Money by Afterpay partners with Digizoo to help build new platform

Afterpay’s unique approach to banking experiences

More than 3-million existing Australian Afterpay customers will have access to Money by Afterpay, its new money and lifestyle app as of October 2021.

The app will provide customers with a financial wellness platform that integrates essential banking products such as savings, transactions accounts, payments etc. with the existing Afterpay BNPL services.

The direction for the new app is to provide a unique customer-centric experience that stands out from other banks and competitors.

Afterpay Executive Vice President of New Platforms Lee Hatton said “We’ve built upon the trust and love of the Afterpay brand to bring Gen Z and Millennials a money and lifestyle app that’s truly built for them. Combining money management with the BNPL offering will allow us to help customers spend, save and play just by using Money as their primary app. We can’t wait to share this with Australians.”

The app will stand out by offering a series of unique money management tools and customer-tailored shopping experiences.

Technical delivery and integration of Afterpay’s new banking app

Afterpay are leveraging Westpac and their new 10x banking platform for accounts and payments in the app.

Digizoo have been selected as Afterpay’s key technology partner in the delivery and integration of the new app to provide technical and banking expertise for:

  • Technical design and delivery
  • Integration with Westpac 10x banking platform
  • Front-end design and build
  • User experience and accessibility frameworks
  • Platform engineering and security
  • Application engineering and CICD

“We’re thrilled to be working with a forward-thinking company like Afterpay to bring new categories of product to the market. The Digizoo team has integrated well with Afterpay’s own team to provide early and rapid delivery” said Robert Kassis, Digizoo CEO.

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Platforms

Digizoo delivers cards payments and cards onboarding to Volt Bank

‘Digizoo develops innovative cards payments, and cards management platforms to onboard new customers, allowing them to manage and use their Volt cards for all transaction-related functionalities.’

Foreword

Volt Bank is an Australian consumer neobank, and the first of which to be issued a full banking license by APRA. Volt was founded in 2017, and received its full license to operate as an authorised deposit-taking institution (ADI) in January 2019. Since then, they’ve been able to develop a functional savings account and have started onboarding some of the 40,000 members on the waitlist in early 2020.

Volt partnered with Digizoo to deliver their new cards payments and management platforms. Digizoo’s experience in infrastructure with similar banks gave Volt the capability that led to a successful delivery.

Cards Management Platform

Initially, Digizoo was engaged to assist with platform architecture and technology strategy at Volt. This quickly led to the complete design and build of an innovative cards management platform. This platform allowed Volt to begin onboarding new customers by giving customers the ability to:

  • Create new cards,
  • Activate their cards,
  • Set their pin on new cards,
  • Lock and replace lost or stolen cards,
  • And execute authentication checks.

Cards Payments Platform

Digizoo’s reputation of continued successful delivery at Volt led to being re-engaged to begin the development of their new cards payments platform. The cards payments platform allows Volt’s customers to use their cards for all transaction-related functionalities including:

  • Ability to tap cards anywhere such as POS terminals,
  • Withdrawal from ATM’s,
  • And online purchases.

Streamlining Business and Development Processes

Digizoo was able to streamline business and development processes within Volt by providing new ways of working. Digizoo uses proven methodology and frameworks combined with an agile approach to delivery, to ensure continued successful delivery. Using this approach, Digizoo has been able to streamline development throughout the whole bank by creating reusable code for security, logging, and reusable connections.

The Result

Partnering with Digizoo has allowed Volt Bank to compete with other emerging fintech’s and neobanks by delivering an innovative cards transaction suite, consisting of both cards management and payments platforms. Digizoo continues to work closely with Volt to deliver new payments functionalities and innovative technologies.

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GCP Platforms

Digizoo helps Greater Bank to build their new digital banking platform in the cloud

Foreword

Greater Bank is an Australian customer owned mutual bank, based in Hamilton, NSW. The Greater was founded in 1945, and now has over 270,000 customers, 59 branches, and over $7 billion in assets under management. The Greater is currently implementing a major digital transformation strategy to improve all of their digital platforms (web, iOS, and Android). Digizoo have been asked to help Greater Bank achieve their digital transformation goals.

Digizoo’s broad and deep experience brought the necessary confidence and capability to help Greater Bank to make the right decisions early, and establish the foundations for modern digital banking.

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Transitioning to Cloud

Early in 2019, Digizoo was asked by Greater Bank to design and deliver their new, innovative banking platform. Greater Bank had an existing on-premise solution, which was becoming costly, slow to change, and increasingly limiting to the necessary business change. Digizoo’s experience was a key enabler for Greater Bank’s decision to implement a cloud-native solution on Google Cloud Platform, to capitalise on innovative technologies and improve their time-to-market.

Cloud-native solutions are designed to capitalise on the scalability and flexibility of the cloud, working effectively in combination with an agile approach to delivery. Greater Bank was able to modernise their architecture, shift workloads, and make changes to their solution faster and more reliably. Utilising a cloud-native solution also lowered risk for Greater Bank, providing superior scalability and security; with lower maintenance costs and redundancy.

Greater Bank Works with Digizoo to Deliver New Innovative Banking Platform

Digizoo’s expertise and track record of banking platform delivery in the cloud became a catalyst for helping build and transition Greater Bank’s new Digital Technology Team. Digizoo provided technical specialists for all key areas including:

  • Core Banking Integration with Data Action
  • Cutting edge infrastructure as code using Google Cloud Platform; design and build, security, and automation with CI/CD
  • Backbase Omni-Channel Customer Experience Platform; Native Web, iOS, and Android Banking Applications
  • New integrated digital security platform
  • API Management with Google Apigee
  • User Experience and Accessibility practices and standards
  • Regulatory compliance and Open Banking standards.

Partnership and Mentorship

Digizoo and Greater Bank have forged a strong partnership, based on successfully completing every delivery milestone to date. The long-standing success of this partnership is a result of making the right decisions from the beginning. Digizoo helped Greater Bank to modernise their ways of working to a new agile approach, establishing new practices and structures within Greater Bank using proven methodology and frameworks. The resulting business and development processes became more streamlined and cohesive, also providing the ability to integrate with Fintech’s and new opportunities easier.

By establishing a holistic environment, all individuals from each team had the ability to up-skill themselves and benefit from mentorship in all technology disciplines. Thanks to this mentorship focused team structure, several team members were able to obtain Google Cloud certifications and improve their personal development.

The Result 

Partnering with Digizoo has led to Greater Bank successfully completing all of their delivery milestones and achieving a foundational modern banking platform. The platform consists of a contemporary banking app with full payment capability. Digizoo continues to work closely with Greater Bank on future releases to incrementally upscale users. Greater Bank now has a cohesive development team with the necessary capability and frameworks to allow them to achieve all future milestones.

For new banks and startups

Are you building a bank from the ground up? Do you need the best solutions for a successful delivery?

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You can trust us to bring your ideas to life. Our team has done it before, and we know what to do every step of the way. By leveraging our frameworks, capability, and experience you can feel secure that you’re making the right decisions. Whether you prefer a bespoke solution, or an out-of-the-box solution; we’ve done it.

Accelerate your delivery with our expertise in banking platform solutions. We give you the confidence to make the right decisions early; by meshing our experienced team together with your in-house team, we enable you to be self-sufficient during and after a successful delivery.

We can help you build your platform from end-to-end with specialists in all areas including:

  • End-to-end banking platforms in the cloud
  • Responsive web and native app development
  • DevOps and security experts
  • UX and front-end banking experts
  • Regulatory expertise
  • Omni-channel digital banking
  • Integration with well-known banking solutions
  • Open banking experience for new, small, and larger banking solutions.

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Platforms

Greater Bank partners with Digizoo to build modern banking platform

Digizoo has been selected to bring its specialist expertise in digital banking platforms by assisting Greater Bank in Newcastle to design and deliver an innovative new banking platform.

The solution is cloud-native on the Google Cloud Platform to take advantage of the most modern and innovative technologies, and improve time to market.

Digizoo are providing technical specialists in all key areas including, Core Banking Integration, Cloud Platform design and build, Open Banking standards, Backbase Customer Experience Platform, Security, Automation with CI/CD, new ways of working in Agile and remote working.

The new platform will allow Greater Bank to quickly adapt and respond to the fast-changing financial environments in the future.

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API's

Digizoo forms partnership with Google Apigee

Digizoo has partnered with the industry leading platform for API Management, Google Apigee to deliver world recognised modern integration solutions on either Cloud or on-premise for our clients.

The API Management landscape has undergone significant consolidation and change in recent years, and after the dust has settled, Apigee has emerged as a clear leader as shown by its clear dominance in the Gartner Magic Quadrant for API Management Platforms.

Digizoo has trained its software engineers to take full advantage of the Apigee suite as a key tenet of our digital platform architecture.

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Platforms

Rabobank selects Digizoo for new online and mobile banking platform

Rabobank Australia and New Zealand has selected Digizoo as it’s strategic implementation partner for the Backbase Customer Experience Platform.

Digizoo’s pedigree in multiple Backbase implementations, as well as their unique approach of working to build their clients’ own internal capability and practices was a key factor as the bank was looking for the right partner to drive the culture change that it was seeking for its FutureTech initiative.

Rabobank has targeted some very aggressive dates for a complete technology refresh of most of the key technology platforms. Digizoo will also be assisting Rabobank to drive new Agile ways of working, including DevOps, CI/CD, and full test automation using Behaviour Driven Development (BDD) practices.

Backbase has recognised Digizoo as their strategic partner in Australia and New Zealand, and largely works in the mode of an Australian office for the world’s leading Customer Experience Platform for Banking; even earning the nickname OutbackBase within the Backbase organisation.

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Platforms

Digizoo delivers whole of government digital platform

When Computer Sciences Corporation (now DXC) won the tender to build a new whole of government digital identity and services platform, they asked Digizoo to provide the technology team to design and develop the solution.

Digizoo worked as a key services provider in a broader team consisting of members from CSC and various government agencies to build a solution that was production ready in the Microsoft Azure Cloud platform within 6 months.

The solution consisted of custom services for motor vehicle registration renewals, payments, and address management that were integrated with the AccessCanberra Oracle Service Cloud for an integrated federated identity solution. The web and mobile platform was based on the Backbase Customer Experience Platform that the ACT Government had selected in a rigorous tender process. Integration microservices were built to manage interactions with AccessCanberra, Roads and Traffic Authority, Westpac payments, and the Federal Government’s Document Verification Service (DVS).

Throughout the project, the decision to move the platform from cloud to on-premise was constantly under review, and the elegance of the modular platform architecture was able to regularly move the deployments from one infrastructure to the other without much effort thanks to the automation and DevOps practices in place.

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Backbase

Westpac – Australia’s first Backbase customer

Digizoo staff are engaged in key roles within the WIB Digital team to establish the first implementation of the Backbase Customer Experience platform in Australia for Westpac Institutional Bank.

team planning on a whiteboard

A key project outcome is to pave the way for some significant technology and organisational change in areas that had entrenched groupthink over the years. Challenges in the areas of infrastructure, security, Agile, Integration, DevOps were all needing to be met head on in a project that takes the organisation on a transformation journey.

Compliance with the stringent standards for the Monetary Authority of Singapore (MAS) and the Hong Kong Monetary Authority (HKMA) to facilitate banking in Asia are an additional complexities for standards of probity and security that are well beyond the needs for Australia.