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Finance
2019–2020

Super app with financial and lifestyle services

IZI is an online neobank targeted at younger audiences. They wanted to attract more users and asked HeyInnovations to bolster their financial offerings with high-frequency lifestyle services in a super app.

super app
finance
Business challenge

Building a financial super app from scratch

Breaking free of the 30-year-old bank's IT infrastructure

IZI sprouted out from a big European bank that had been developing its financial infrastructure for 30+ years. Quickly launching a new platform on its base was impossible.
The bank decided to launch IZI as a separate company, shift the development to an outsourced team, and provide its financial and banking capabilities on their part.

Standing out from modern competitors

There were enough neobanks on the market, so IZI needed to offer something that none of the competitors did.
We suggested creating an ecosystem of banking tools supported by lifestyle services such as taxi, cinema, food delivery, and sports.
This way, we aimed to turn the new IZI super app into a convenient money management and lifestyle tool that would attract customers who are used to solving their everyday tasks on their smartphones.

Key tasks

Get the super app to market in just 4.5 months.
Come up with catchy design concepts.
Develop an MVP and API documentation from scratch.
Pick user-relevant lifestyle services and integrate them into the super app as mini-apps.
Unite the ancillary mini-apps with the financial core to provide a seamless user experience.
How we tackled the tasks

Created lively design to stand out for younger audiences

The app had to come off as a modern and simple tool that helps manage everyday tasks. To give it a less formal look, we created a funky color block design with a contrasting background and vibrant base colors.

Made clear interfaces
for seamless user experience

A super app houses multiple services and mini-apps in one place. To help users find their way and quickly get to the needed section, we developed a clear and intuitive interface design.
Upon opening the app, a user sees a personalized service feed: buying movie tickets and booking restaurants, or visiting new gyms and hair salons nearby.
Placing such offers instead of banking services on the main screen incentivizes users to shop more, and as a result, use IZI cards.
A user gets to the full service catalog by tapping the Home button. Each service in the super app is color-coded, so it is easy to navigate without reading the captions.

Added partner services
to grow engagement
and in-app transactions

To prompt purchases, we researched the everyday wants and needs of our target audience and added corresponding services, for example, a restaurant booking app.
To add a service, IZI partners with a company that provides it. It helps to accelerate development and cut costs, since IZI simply integrates a ready-made service into its super app. Moreover, such partners usually come with their audiences which helps IZI grow its base.
Restaurant booking and food delivery

Users choose a restaurant, leave their info, and specify the date and time, or place an order and pay for it with their IZI card.

Movie ticket aggregator

Users specify their location, select the movie theater and the date, and pay for the tickets with their IZI card.

All-in-one gym subscription service

Users purchase the service subscription with their IZI cards, and unlock access to various gyms, workouts, and sports studios.

Appointment scheduling and service discovery

Users browse the catalog of barbershops, beauty salons, vet clinics and car services, and schedule their visits right in the app.

Deals and discounts to offer extra value

Users buy coupons with their IZI cards and enjoy discounts in stores, restaurants, beauty salons, and travel agencies.

Used cross-selling to boost in-app sales

Smart cross-selling recommends relevant offerings to complement the main purchase and support other ecosystem services.
All the cross-selling services are task-relevant and picked to facilitate the specific steps in the user journey. This way, we create a meaningful experience that motivates users to make purchases in the IZI app.
For example, when a user gets a movie ticket, we offer to book a taxi ride to the cinema, and show a selection of restaurants, in case they get hungry after the movie.

Integrated lifestyle services as mini-apps to enhance usability

A mini-app is a small program within a regular mobile application. It has its own icon and basic functionalities often targeted at one or two user tasks. Mini-apps help declutter the interface, and diversify user experience without spending much time on development.

Outcomes

We helped IZI create the super app with banking and lifestyle services that they envisioned.
In just 4.5 months, we developed a prototype, API documentation, and design concepts, which later became the super app interfaces. After that, we performed the scheduled project handover to the IZI development team.
4.5
Months to design and prototype
90+
Super app screens designed
+10
Partner mini-apps integrated

Let’s develop solutions to skyrocket your business together!

George Petersen
Head of Business Development

Let's talk

Do you have a project in mind or want to learn more about super apps? Reach out, we’ll be glad to talk.

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