FINANCIAL SERVICES

Empowering the Future of Finance with Secure Digital Transformation

Integrate strong authentication, secure communication, and digital signatures for mobile banking and financial transactions.

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Businesswoman confirming a payment on her smartphone while holding a bank card

OVERVIEW

The Financial Industry’s Foundation,Trust and Security.

With KOBIL, you gain a platform that doesn’t just secure your operations – it redefines your business. From enabling strong customer authentication (SCA) to secure customer communication, digital signatures, and compliant payment flows, we help you build the future of finance.

Whether you’re a traditional bank or a cutting-edge Fintech, KOBIL empowers you with everything from KYC to transactions – all from one trusted partner.

CASE STUDY

Migros Bank, Secure Digital Banking

CHALLENGE

As a leading financial institution, Migros Bank needed a solution to modernize their app while ensuring top-notch security and compliance.

SOLUTION

With KOBIL’s platform, Migros Bank integrated:

Modular solutions that grow with your business.
Secure chat for real-time customer engagement.
Digital signatures for paperless agreements.

RESULTS

With KOBIL’s platform, Migros Bank integrated:

Reduced customer onboarding time by 50%.
Enhanced customer satisfaction scores by 35%.
Achieved full compliance with PSD2 and GDPR regulations.

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KEY USE CASES

Key Use Cases for the Financial Industry

Seamless KYC and Onboarding

Welcome Customers with Trust

Customer onboarding is the first impression – make it seamless, secure, and compliant

KOBIL identity document scan on a smartphone with a verified shield badge

Instant Identity VerificationUse AI-driven processes for fast, accurate KYC.
Frictionless OnboardingEliminate unnecessary steps with device-bound digital identities.
Real-Time Document VerificationEnsure compliance with minimal user effort.
Regulatory ConfidenceBuilt to comply with AML and eIDAS regulations.

Result: Faster customer onboarding, reduced drop-offs, and a superior first impression.

Strong Customer Authentication (SCA)

Compliant and Secure

Meet the demands of regulations like PSD2 by integrating IDentity into your app or platform.

A bank welcome screen with a secure lock badge on a smartphone

Enable two-factor authentication with seamless user experiences.
Bind identities securely to devices for unbreakable trust.
Leverage AI-powered threat detection to protect against fraud in real-time.

Result: Compliance and security with frictionless customer interactions.

Transaction Security

Safeguard Every Payment

Every financial transaction is an opportunity to build trust. With mSecure and Signature, we ensure that:

A secured payment approval screen with an accept button on a smartphone

Transactions are verified using tamper-proof digital signatures.
Payment approvals are secured through device-bound identities.
Fraud is mitigated with real-time AI monitoring.

Result: Faster customer onboarding, reduced drop-offs, and a superior first impression.

Secure Communication

Transform Customer Engagement

With Trusted Messenger, engage your customers in a secure, compliant way:

A KOBIL AI secure messaging conversation about a credit card on a smartphone

Send real-time transaction notifications or account updates.
Offer instant support via AI-enhanced chatbots or human agents.
Simplify complex processes like loan approvals or investment guidance through interactive, secure messaging.

Result: Faster customer onboarding, reduced drop-offs, and a superior first impression.

Digital Signatures

Modernizing Approvals and Agreements

Replace slow, manual processes with Signature:

A digital signature capture screen on a smartphone

Enable legally binding signatures for contracts, agreements, and KYC processes.
Use AI to ensure compliance and verify authenticity.
Integrate signatures seamlessly into existing workflows for maximum efficiency.

Result: Faster customer onboarding, reduced drop-offs, and a superior first impression.

Tailored for Fintechs

Accelerate Your Growth

For Fintechs, speed and scalability are everything. KOBIL’s solutions help you:

A secure unified platform app with cards and finance tools on a smartphone

Launch faster with modular solutions like OneID4All™ and OneAPP4All™.
Focus on innovation while we handle identity, security, and compliance.
Scale effortlessly with cross-platform MiniApps powered by low-code development.

Result: Faster customer onboarding, reduced drop-offs, and a superior first impression.

Omni-Channel Ecosystem

Expand Without Limits.

With OneAPP4All, you can:

Launch a branded SuperApp that integrates all customer-facing services.
Add MiniApps for new offerings like investment tools, credit calculators, or reward programs.
Scale your ecosystem with low-code development for fast deployment across platforms.

With OneID4All, integrate the same powerful features directly into your app via SDK:

Start with strong digital identity, then add secure chat, digital signatures, and payments over time.
Build a customized solution that aligns perfectly with your business.

Result: Future-proof your business with scalable, modular solutions.

A branded SuperApp on a smartphone surrounded by MiniApp icons, a card, and a secure chat

KOBIL myCity

One App for
All Citizens

myCity brings municipal services, local businesses, and citizen communication into a single secure platform — live in as little as three months, built on the same identity infrastructure trusted by banks and governments.

Your City in Your Pocket

All services in one place, available 24/7. No multiple logins, no fragmented apps — one verified identity across every interaction.
Digital Transformation Made Easy

Cities go live in one to three months with custom branding, full service control, and no heavy IT lift. KOBIL handles infrastructure, security, and setup.
Digital Transformation Made Easy

Zero-trust architecture, GDPR compliance, eIDAS-ready digital signatures, and encrypted communications — the same security stack used by leading European banks.