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N-iX > 实例探究 > Neobank 转型:通过开放银行合规性重新设计移动银行
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Neobank Transformation: Enhancing Compliance and Security

技术
  • 网络安全和隐私 - 身份认证管理
  • 机器人 - 轮式机器人
适用行业
  • 金融与保险
  • 电信
适用功能
  • 产品研发
  • 质量保证
用例
  • 欺诈识别
  • 语音生物识别
服务
  • 系统集成
  • 测试与认证
挑战
客户需要重新设计和重建移动银行应用程序,为客户提供更便捷的与其平台交互的方式。此外,他们需要实施开放银行——英国金融机构的一项强制性要求。
关于客户
该客户是英国一家领先的小型企业专业数字挑战者银行。他们为企业家、独立企业和消费者提供更快、更智能、更简单的银行服务。
解决方案
N-iX扩展了客户端的测试和后端开发能力。他们几乎从头开始构建解决方案,完成开放银行实施,并引入其他功能。他们还实施了安全措施,例如 24 小时欺诈监控、安全面部和生物识别 ID、从应用程序或在线阻止卡的功能,以及资金离开帐户时的即时应用程序通知。
运营影响
  • Working closely with the client, N-iX improved the backend, fully developed and supported native Android and iOS apps with over 50K daily active users. They developed an automation testing framework from scratch to accelerate time-to-market. Successful implementation of Open Banking allowed the client to become a fully-fledged digital bank. They added many new features, for instance, cashback and deposits. Also, they added various analytics that enable users to quickly comprehend data and draw actionable insights that would otherwise go unnoticed. The N-iX team drove the technology implementations to comply with the revised Payment Services Directive (PSD2) for EU countries.

数量效益
  • 70-80% of daily active users — over 50K — are mobile app users

  • In a recent study on risk-based authentication, with 3DS2, 95% of transactions will be low risk, requiring no additional customer verification

  • Typically, less than 5% of transactions will require additional customer verification

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