Industries Financial Services

Bank-grade security. Consumer-grade experience.

Strong authentication, compliant signatures, and secure communication, built for how banking actually works today.

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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.

KOBIL secures the full customer journey, whether you’re a traditional bank or a fintech.

CASE STUDY

Migros Bank - Secure Digital Banking

CHALLENGE

Migros Bank needed to modernize its app without compromising security or compliance.

SOLUTION

KOBIL delivered modular platform tools, real-time engagement, and paperless digital signatures.

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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Migros Bank mobile banking app on an iPhone with card wallet and transaction history, in front of an orange Migros Bank brand backdrop

Key Use Cases

Key Use Cases for the Financial Industry

Seamless KYC and Onboarding

Welcome Customers with Trust

KYC done in minutes, not days. Fully compliant with AML and eIDAS from the first tap.

Result: Faster onboarding, lower drop-off.

Strong Customer Authentication (SCA)

Compliant and Secure

Meets PSD2’s strong authentication requirements without adding friction to the login.

Result: Regulatory compliance that doesn’t cost you conversions.

Transaction Security

Safeguard Every Payment

Every payment carries a tamper-proof signature. Fraud is caught before it settles.

Result: Fewer disputes, fewer chargebacks.

Secure Communication

Transform Customer Engagement

Real-time alerts, in-app support, and secure messaging, all in one channel.

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

Digital Signatures

Modernizing Approvals and Agreements

Contracts and approvals signed digitally, with full legal standing.

Result: Faster deal cycles, verifiable audit trail.

Tailored for Fintechs

Accelerate Your Growth

Modular tools that scale with you, no rebuild required as you grow.

Result: Lower engineering cost, faster time to market.

Omni-Channel Ecosystem

Expand Without Limits

Launch a branded SuperApp. Add lending, cards, or investments as MiniApps. Scale without rebuilding the core.

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

Built for Compliance. Ready for the Future.

Regulations are non-negotiable in the financial industry. With KOBIL, compliance isn’t a hurdle – it’s an enabler.

  • PSD2 (Payment Services Directive 2)

    Full SCA compliance for secure payments.

  • GDPR

    Protect customer data with end-to-end encryption.

  • eIDAS

    Ensure legally binding digital signatures for all agreements.

  • ISO 27001

    Adopt the highest global standards for information security.

Why KOBIL? The Ultimate Partner for Financial Services.

Security Beyond Compare

  • Device-Bound Identities Trust rooted in hardware-level security.
  • AI-Driven Threat Detection Stop fraud before it happens.
  • Continuous Monitoring Real-time analysis to safeguard every transaction.

Cost Efficiency and Scalability

  • Modular solutions that grow with your business.
  • Reduce operational costs with automated processes and secure communication.
  • Customer-Centric Innovation.
  • Frictionless experiences that build loyalty.
  • Future-ready technology to meet evolving customer expectations.

Compliance Without Compromise

  • Globally recognized certifications and adherence to key regulations.

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