Frictionless card activation powers mobile banking
Proekspert enabled Coop Bank customers to add Mastercard debit and credit cards to Apple and Google Wallets. Our team delivered direct MDES integration, automated account management, and digital support tools. No manual steps. All deadlines hit.
The rise of electronic money has revolutionized the way we handle transactions, eliminating the need for physical currencies and paving the way for a more efficient payment system.
Client challenge
Coop Bank exclusively issues Mastercard brand cards.
The client wanted to enable the bank’s customers to add debit and credit cards to mobile devices, including Google Wallet and Apple Wallet.
Technologies
Java 11, Spring Boot, PostgreSQL, Vue.js & Vuetify, Microservices, Python for testing
Project duration
From November 1, 2022, to May 31, 2023.
Solution at a glance
The solution was to develop Mastercard MDES service support for the bank, especially services such as Payment Account Management API, Pre-digitization API and Customer Service API.
We:
- created a MDES pre-digitization service.
- integrated the MDES pre-digitization service directly with Mastercard services.
- developed customer support systems.
- developed an automated Mastercard Payment Account Management service linked to the bank account infrastructure.
Results
A MDES pre-digitization service that allows authorization of debit- and credit card digitization requests, connecting seamlessly with existing bank accounts.
Coop has a solution that integrates directly with Mastercard services without intermediate third-party services.
We developed customer support systems that allow support personnel to gain insight into customers’ digitized cards and support customers throughout their journey with digital payment cards.
Card issuers may seamlessly govern the lifecycle of physical payment cards (issue, close, and renew) without significantly impacting digitized cards. (This was enabled by developing automated Mastercard payment account management services.)
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