In this case study, we will explore how the introduction of Value-Added Services (VAS) in the mobile channel helped a large financial institution increase sales in remote channels and attract new customers. The client, one of the top 5 banks in Poland, sought to enhance their digital offerings and generate additional revenue streams by introducing a new product in the form of digital gift cards.

Client Profile

The client is a prominent financial institution operating in the banking industry in Poland. They aimed to leverage the growing popularity of digital channels to expand their product portfolio and engage customers in new ways. The introduction of digital gift cards was seen as an opportunity to boost sales and enhance customer satisfaction.


The main challenge was to design and implement a solution that would allow customers to purchase digital gift cards easily and securely through the bank’s web and mobile channels. The solution needed to offer flexibility in terms of card types, dynamic amounts, and settlement methods. The project involved collaboration between various business units within the bank, including sales, e-banking, and IT departments.


Our project team took on the challenge of developing a solution that met the client’s expectations. Key aspects of the solution included:

  1. Configurable Card Types: We designed the system to support the introduction of various types of gift cards, allowing customers to choose from a wide range of options tailored to their needs.
  2. Dynamic Amounts and Settlement Methods: The solution allowed customers to select the desired gift card value and offered flexible settlement options, including digital payment methods, to ensure a seamless and convenient purchasing experience.
  3. Seamless Integration: Our team ensured seamless integration between the mobile channel, web platform, and backend systems to provide a consistent user experience and enable secure transactions.
  4. Time and Budget Management: The project was executed within the expected time and budget frames, meeting the client’s requirements and ensuring efficient resource allocation.


The implementation of Value-Added Services (VAS) in the mobile channel enabled customers to easily and securely purchase digital gift cards. This new functionality proved to be highly attractive to consumers, offering convenience, ease of use, and safety. Customers embraced the option of gifting their loved ones digitally, driving increased sales of gift cards and boosting customer satisfaction.

From the bank’s perspective, the introduction of digital gift cards created a new revenue stream with limited costs and risk. The solution provided a distinguishing feature for the bank, setting them apart from competitors in the market. The successful implementation of the project demonstrated the bank’s commitment to digital innovation and customer-centric solutions, positioning them as a leader in the industry.


The introduction of Value-Added Services (VAS) in the mobile channel allowed the client, a top bank in Poland, to enhance their remote sales capabilities and attract new customers. By offering digital gift cards through their web and mobile channels, the bank provided a convenient and secure gifting solution that resonated with consumers. The seamless integration, configurable options, and timely execution of the project contributed to its success.

The implementation of VAS in the mobile channel created a new revenue stream for the bank while offering a unique value proposition to customers. The solution’s positive impact on sales, customer satisfaction, and market differentiation further solidified the bank’s position as an industry leader.