NextGen Banking | Ailleron

Today’s clients are mobile-only

Out of 20 million mobile banking users, over 13.6 million are mobile-only – they use the app at least once a month and don’t log into online banking at all. And the number of active app users is only going to keep growing!

What are banking customers really looking for?

Easy access to their bank via a mobile app

Customers value their time, and they’re done waiting on hold or jumping between websites, e-mail, and mobile apps just to access banking services.

From basic queries to simple tasks – like changing account limits, activating new services, or checking transaction history – everything should be available without calling or waiting for an e-mail reply.

Fast, relevant and AI-powered support

With AI, the banking app can recognize the customer’s intent and deliver real-time answers to FAQs. It can also carry out entire operations such as processing transfers, checking account balances, handling applications and requests.

Smart chatbots handle everyday queries right away, and when things get more complex, virtual assistants are there to guide clients through it – one step at a time.

Convenient self-service features

Self-service is the new standard – today’s customers expect fast, easy, and independent ways to manage their finances 24/7, without calling or visiting a branch.

Banking clients don’t want to be stuck on the phone or searching through a website all the time. Whether it’s personal data updates or applying for new products, they want to handle basic banking operations themselves.

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The right products, at the right time

Customer attention is limited, and the relevance and timing are what count the most.

Users expect banking advisors to understand their needs and offer tailored solutions exactly when they need them.
Contextual sales and hyper-personalized offers help maintain long-term engagement.

Future-ready banking

“To attract new customers, banks need to offer intuitive, secure, and personalized services that go beyond traditional features. Yet, many mobile solutions still remain outdated replicas of desktop systems that fail to meet the expectations of today’s users. Mobile banking must evolve and the time for change is now!”

Tomasz Dębski

Business Development Manager

What makes a truly mobile experience?

According to an Accenture report, over 70% of tasks in the financial sector can be fully automated or supported by artificial intelligence.

An interface that is user-friendly for everyone, ensuring easy access without barriers.

A smart layer learning user behavior, recognizing decision points, and delivering timely, context-based recommendations.

Advanced security mechanisms that protect customer data and transactions.

Full availability and compliance with essential regulations, including EAA and PSD2.

Self-service and automation empowering customers to handle things on their own, with no complicated steps.

Seamless integration with core banking systems and new financial services.

AI-powered Mobile AI Assistant

Do you want to deliver the best experience across the entire mobile journey and automate customer service directly within the app? Watch the webinar recording to learn how it’s done.

What’s the NextGen Banking approach all about?

Mobile-only DNA

NextGen Banking is a new chapter in mobile banking, where the smartphone becomes the hub for everyday finances. We don’t adapt desktop solutions; instead, we design fully native mobile experiences.

Modular service ecosystem

From the available modules, you choose the ones that best support your business goals – from increasing sales and conversions to more effective customer communication. Payments, loans, investments, onboarding – all integrated in one environment.

AI that truly gets the user intent

Contextual AI, customer support leveraging the power of GenAI, and virtual assistant assistance provide instant service exactly when the user needs it.

User-centricity

The NextGen Banking ecosystem comes from analyzing how real users interact with mobile apps, simplifying navigation, making decisions easier, and getting rid of unnecessary steps.

NextGen Banking – who’s it for?

For financial companies looking for a way to develop a mobile app without writing the entire code from scratch.
For banks wanting to implement a mobile ecosystem that scales with business growth.
For organizations aiming to provide an excellent and fully mobile experience.
For financial institutions wanting to offer their customers fast, easy, and secure banking services, without all the complexity.

What makes Ailleron’s NextGen Banking stand out?

Built for mobile, ready to scale

A fully scalable mobile-only approach – the entire infrastructure is built with one clear goal: to make the smartphone the center of banking.

A complete ecosystem

We designed an entire modular ecosystem that redefines the banking experience, so companies can focus on innovation, not technical complexity.

Smart, accessible, inclusive

AI on the customer service front line, accessibility, and inclusivity are the cornerstones of the NextGen Banking, addressing users’ diverse needs and challenges.