HomeSuccess StoriesPOP Pankki's New Mobile Banking and Insurance Platform

POP Pankki's New Mobile Banking and Insurance Platform


New mobile banking and insurance platform


POP Pankki


Banking & Finance




UX/UI Designer, Project Manager, Front-end Developer, Back-end Developer, Manual Tester, Automatic Tester


Pop Pankki needed a new mobile app that would act as a banking and insurance platform at once. The old one lacked crucial features and customers weren’t happy at all with its design. It was evident as the app had a low 2.8 stars on the App store.


Euvic took care of the entire product development; from analysis, UX design, implementation and testing to launch and maintenance. Additionally, Euvic created also an external API to handle all banking and insurance functions. The plan was divided into three stages:

  1. Catching up with the market leaders.
  2. Introducing insurance products to digital channels.
  3. Implementing and offering new products only through the mobile app.

In the first stage, we prioritized the creation of appropriate teams on both sides (ours and the customer’s one) to fully understand and define the scope of the final product. This meant continuous collaboration between the business unit, the design team, and the software developers who weren’t involved only in building the platform. This step included also verifying business cases and testing unstable APIs that were built simultaneously.

The second stage was to introduce POP Vakuutus insurance services to the market via digital channels. By implementing the insurance part in a mobile banking app, we created cross-selling opportunities in both directions. As a result, the number of insurance customers increased by 19.8% in 2019. The insurance part reported a positive annual result for the first time!

The third stage involved offering new funds to customers only via a mobile app. The problem we had to solve was how to safely offer sophisticated products to both experienced investors and beginners. In early 2019, POP banks added 11 new POP funds to their portfolio. The majority of the third step involved working on two things:

  • User experience workshops to deliver an intuitive easy-to-use solution.
  • Verifying business ideas with API capabilities.
glass bank building
young woman holding a black credit card in her hand
coins money in the glass bottle

Examples of functions

Bank: transfers, account services, savings, and loans

Insurance: generating offers, policy purchases, and bonus payments

Additional third-party services: express transfers


After six months of development, the platform was launched and gained a strong response. The rating on the App store has increased to 4.5 stars and insurance sales have raised by 20%. With the digital transformation, POP Pankki has achieved the best results in the Group’s history in 2019. Profit before tax has increased by 126 percent. The new platform is fast and easy to use ensuring that POP Pankki is the bank with the most satisfied customers in Finland.

Client's feedback

Pekka Lemettinen

CEO Pop Pankki

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