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Bank Zachodni WBK created a more compelling mobile banking offering by integrating an e-commerce platform. The application now offers more added value for the customer and the bank.


  • Central to Bank Zachodni WBK's decision to extend the mobile banking application with a wallet and m-commerce capabilities was its realization that the existing banking application mainly catered only for simple queries such as paying bills or checking balances.
  • Since its launch in 2014, the application has experienced growing traction among Bank Zachodni WBK's customers, resulting in 14% of all digital credit product sales now being from mobile.
  • Bank Zachodni WBK's mobile banking application with integrated m-commerce wallet offers customers additional functionality such as the capability to buy bus tickets.

Features and Benefits

  • Learn how to monetize a mobile banking application.
  • Understand what makes mobile banking applications attractive to customers.

Key questions answered

  • How can an m-commerce wallet add value for a bank and its customers?
  • What are the main concerns when building a compelling mobile banking offering?

Table of contents


  • Catalyst
  • Key messages
  • Ovum view


  • Invest now to monetize your mobile banking offering
  • Offer wallet services and products that the customer needs
  • Close partnerships are an excellent way to extend in-house IT development capabilities

Developing a monetized banking application that offers added value to customers

  • Setting the business context
  • Bringing the strategy to life


  • Methodology
  • Further reading
  • Author

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