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Guaranty Trust Bank PLC is also known as GTBank is a Nigerian multinational financial institution, that offers online/internet banking, retail banking, corporate banking, investment banking, and asset management services. It is well known in the financial sector for its spearheading technological advancements in the African market, and capitalizing on new trends to be able to achieve sustainable growth.

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Objective

The early 2000’s saw the growth in online banking and digital payment transactions. The Markets saw a sharp increase in the online spending trends. Hence, as a part of its 5-year growth plan, GT Bank wanted to capitalize and generate revenues out of every digital transaction that was being carried out by their customers.

The Challenge

Most of the online spending being done by customers were spread across various industries and POS. Urban customers could be seen buying flight tickets on a travel portal, or were buying clothing merchandise from their favorite brands that had presence online, Or Purchase music from an itunes store, or Spotify.com from their smartphones or laptops.

GT Bank wanted to create an app that could enable all of these transactions from one app itself called Habari.

Internet Data was precious and very expensive in Nigeria. Not every customer, could afford data that easily and freely. Hence it was of utmost importance that whatever Solution was made should be data friendly and light.

A Befitting Solution

Habari is a module of the Habari application. It is incorporated with advanced functionalities such as a bank account, wallet, and many more. This application supports other trending features that meet the digital age demands and product-related services. When it comes to development, our team faces a major challenge in payment integration service and without a third-party platform, it is fully secure and reliable. With our team we developed a robust and secure Habari module that supports KYC verification, users are able to save the customer’s information if preferred, and users can pay the bill payments easily and without any hassle. It is our successfully launched product in the finance industry.