AikBank faced a growing challenge familiar to many financial institutions undergoing digital transformation: new customers could only be onboarded through a branch visit, requiring physical presence, manual document processing, and waiting times. A remote digital acquisition channel simply did not exist. The consequences were twofold: limited growth potential and a customer experience that no longer matched modern expectations. The bank therefore set a clear objective — to reduce the workload of branch offices, lower operational costs, and at the same time provide customers with a faster, simpler, and more convenient path to banking services.

The solution enables new customers to complete the entire onboarding process online through web or mobile channels, eliminating the need for any branch visit. Account opening and debit card issuance are seamlessly integrated into a single digital journey, significantly reducing onboarding time and delivering a noticeably improved customer experience. At the same time, the bank benefits from a scalable digital acquisition channel that supports access to new customer segments, lowers operational costs compared to traditional branch-based onboarding, and creates opportunities for further transformation and optimization of branch operations and service models. This was not a straightforward implementation project. The delivery team had to manage numerous integrations across a heterogeneous technology landscape, including the Core Banking System (CBS), video identification solution, digital signing platform, and Document Management System (DMS).

Each integration point brought its own technical and procedural complexities, all of which needed to be connected into a single, seamless customer journey.

Three ASEE teams from different business lines worked together on the project, which in itself reflects the complexity of coordination involved.

From a technical perspective, the project required complex integrations with multiple systems — including video identification, digital signing, DMS, and CBS platforms — resulting in a robust infrastructure capable of supporting a fully digital onboarding experience.

Project timeline was September 2025 – January 2026

This implementation is not just another incremental digitalization initiative — it delivers a truly end-to-end customer experience, from the very first interaction with the bank to a fully active bank account and issued debit card, without a single analog interruption in the process.

For AikBank, this represents a significant milestone in its digital transformation journey and strengthens its market position by enabling it to compete on equal footing with institutions that were built as digital-first organizations from the outset.