I developed an innovative payment flow for business owners, replacing the previous 3-day wait with instant, 24/7 transfers. This feature was part of a B2B app for Austria’s largest bank, serving the Russian quarter.
We looked at the existing solution in the B2C app and realized we could reuse it for business payments.
Already integrated into Raiffeisen Bank’s B2C app and growing fast since 2019, the tech was a natural fit for our B2B product.
Developed by the National Bank of Russia, this technology enables 24/7 phone transfers across 200+ banks with 0% commission.
The chart below illustrates the technology's rapid growth since 2019.
We also researched current solutions in the B2C market and found that everyone used the same technology for fast money transfers.
So, we decided to reuse this technology for our B2B app.
Our first approach showed a data-entry screen, but low activations led us to a one-click activation landing.
To simplify payments, I integrated the contact list, prioritizing the owner's number while allowing transfers to any number.
There are more than 200 banks listed, so I've placed the top 5 banks at the forefront, with Raiffeisen Bank taking top priority.
