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Uniting 20+ systems into a feature-rich digital banking ecosystem

The Client

Raiffeisen Bank Aval is one of the largest and leading commercial banks in Ukraine. Since October 2005, the bank has been part of the Austria-based Raiffeisen Bank International AG Group.

Today, Raiffeisen Bank Aval serves over 2.5 million customers — individuals and legal entities. Its extensive portfolio spans standard offerings to advanced ones. As of March 2025, the bank operates a network of 313 branches nationwide.

Recognized by GfK Ukraine for maintaining a reputation that exceeds market expectations, the bank is steadfast in its commitment to enhancing customer service. This is achieved by fusing a rich legacy of global financial expertise with the latest technology breakthroughs.

Over the years, this dedication to reliability, innovation, and superior service has garnered the bank numerous professional awards:

2023

Registration for individual and composite clients.
Semi-automatic verification process.
Definition of the UI/UX design concept
Resolution of matters related to subsequent support

2022

Best Bank in Ukraine (EMEA Finance)
Top 30 Most Sustainable Private Companies (Forbes Ukraine)
Best Corporate Bank (Financial Club)

2021

Best Bank in Ukraine (Euromoney)
Best Bank in Ukraine (EMEA Finance)

2020

The Most Stable Bank in Ukraine (FinAwards)
Best Bank in Ukraine (The Banker)
Best Bank in Ukraine (EMEA Finance)
Best Private Bank of Ukraine (Financial Club)

Beyond its commercial success, Raiffeisen Bank Aval is deeply committed to sustainable social development. The bank actively supports charitable and volunteer initiatives, as well as educational and cultural projects.

The Challenge

For Raiffeisen Bank Aval, a leading financial institute in Ukraine, modernization was both an urgent need and a complex challenge. Despite serving a nationwide audience, the bank's fragmented legacy systems and siloed processes hindered operational efficiency and customer satisfaction.

To maintain its premier ranking and effectively compete in a rival market, the bank needed a digital overhaul that would:

Unify disparate systems into a single, flexible digital ecosystem;
Deliver an intuitive, fully digital interface that fosters user-friendliness and personalization;
Build reliable and scalable infrastructures.

The Project

Raiffeisen Bank Aval approached Qulix with an ambitious mission: to renovate a complex legacy system and deliver a sleek, modern digital bank. With deep expertise in fintech system modernization, we partnered closely with the client to define clear objectives and chart a project roadmap.

Business Goals:

Accelerate Time to Market

Launch new banking services and products several times faster than the legacy platform permitted.

Expand Digital Reach

Set up additional online channels to attract and retain new clients.

Drive Revenue Growth

Implement cross-selling and up-selling strategies and generate maximum value for clients and partners.

Our Approach

After a thorough analysis of the client's objectives and extensive collaborative discussions of the future vision, we officially began the Digital Bank Development project. It included:

Front-channel development;
Microservices architecture and business logic development;
Integration with more than 20 diverse systems (core banking, card processing, CRM, SMS gateway, fraud protection, contact center, chatbot solution, CMS, etc.).

The Process

work

Methodology

The project had several feature groups working in parallel, each led by its own product owner. A central architecture committee coordinated and integrated these efforts, ensuring a coherent development process.

Cooperation Model

Initially, the project followed a Fixed Price model, with weekly progress reports to track the project’s advancement. As it progressed, we shifted to a Micro Fixed Price approach, delivering and billing requests separately, often in parallel. By 2021, we transitioned to a Time & Materials model to better support the project's dynamic nature.

Team Performance

<4

years of cooperation

173

men-months

58

engineers

Key Responsibilities

The Qulix team tackled the following tasks:

OTP Generation System

Overhaul the one-time password (OTP) generation system to upgrade security.

Microservices Integration

Develop the concept for transitioning the bank to a microservices architecture and implement an appropriate microservice-based backend for critical features (Payments, Statements, Loans, and more).

E-Banking Solution

Upgrade the outdated digital banking system and implement a new one based on our white-label platform, StandFore Digital Bank.

Messaging System

Upgrade the messaging system, including integration with mobile operators for SMS, and extend its functionality to support push and email notifications, customization rules, and additional messaging channels.

Knowledge Transfer

Equip the Bank's team with the necessary expertise to develop independently and implement future platform enhancements.

Solution Highlights

software

In our mission to modernize user interaction capabilities, the Qulix team created several pivotal online channels, including Internet Banking and Mobile Banking.

We also implemented a Retail Portal for private individuals, as well as an SMB Portal, which was designated a separate project due to its unique delivery specifics and impressive scope.

Key Deliverables

Here are the core elements of the Bank’s ecosystem that our team delivered within the project framework:

Threat Mitigation

Internet and mobile banking channels
Integrated Personal Financial Management logic
Digital Sales functionality User profiling, segmentation, and banner management to boost cross-selling and up-selling opportunities
Administration & Management console
Security Officer functionality
Extended reporting capabilities
Client onboarding functionality

Implementation Details

details

To kick off the project, we conducted a thorough analysis of both functional and non-functional business requirements. Next, we proceeded with the UI/UX design for Internet Banking (IB) and Mobile Banking (MB) channels, preparing materials for usability testing.

Comprehensive Project Scope

Beyond the core module implementation, the project scope also included:

Generating a single middleware layer, including a facade to support business logic and protocols for interaction with external clients (MB, IB, etc.)

Integration with the Bank's Active Directory

Full-scale system testing (functionality, usability, load testing)

Expanding functionalities following the Bank's requirements

Integration with the Bank's anti-fraud system

Integration with the Bank's internal systems via IBM Message Broker, Active MQ, and direct RESTful integrations)

Providing expert advice on setting up and configuring system components within the Bank's ecosystem

Profix gateway and BankID NBU integration

Supplying the client with a full documentation package

Integration with Ukrainian SMS providers

Migration of existing data to the new platform

Unified product line creations

Technology Stack

tech

Core:

Java
Spring Framework

Security:

Spring Security

Mobile

Swift
Kotlin
React Native

DevOps:

Docker
Kubernetes (K8s)

Web Development:

Apache Wicket
JQuery
Less CSS

Android Development:

Java
Kotlin

iOS Development:

Swift

The Result

outcome

Despite numerous technical challenges and the expansive scope of the project, our team at Qulix successfully delivered a digital banking solution for Raiffeisen Bank Aval. We adhered strictly to the project timeline, with deviations not exceeding 2%.

Key Metrics

1M

online users

25K

active users/day

3K

simultaneous users

Horizontal and vertical scalability

Always-on access

As part of the project, we developed a unified product model that consolidates information from multiple banking systems into a single, coherent space. Our team also created a single-user authentication subsystem, a centralized notification generation subsystem (for SMS, push, and email notifications), and an OTP/TAN generation subsystem.

Omnichannel and Beyond

This project allowed embedding omnichannel marketing into the banking system. Clients now enjoy cross-channel transactions, a unified transaction history, a streamlined product line, and access to new products, services, and offers. The new platform laid the groundwork for an ecosystem of financial and non-financial services for the Bank's clients.

Faster to Market

Another notable gain was the remarkable reduction in time to market for the Bank's new products and services. Compared to the legacy platform, the new system enables faster transitions from the idea stage to release. The workflows that Qulix and Aval Digital Hub managed to build significantly reduced the requirements clarification period, with project issues being resolved within an average of just one day.

Why Qulix?

why us

Selected for The Global Outsourcing 100 list by IAOP (2020, 2022, 2023, 2024)

Full-cycle development in the fintech domain: from traditional mobile banking solutions to full-scale neo-bank platforms

25+

years in the market

200+

clients in 30 countries worldwide

500+

qualified in-house engineers

Contacts

get in touch

We’d love to hear from you!

Tell us about your project or the challenge you have, and we’ll get back to you soon.

Prefer direct contact?

E-mail us at request@qulix.com