The best mobile banking app in the world was awarded to PKO Bank Polski at the Retail Banking International Global Awards 2019.

Mobile banking continues to grow in popularity, it’s now about finding that unique feature or product that suits each individual.

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For a vast number of consumers, digital channels are preferred for at least the simple transactions such as checking their bank account balance and paying bills. However, increasingly consumers are using their phone for more complex banking tasks and are integrating it into their daily financial planning.

For banks around the world, creating an enticing mobile app presents an opportunity to hold onto customers and welcome new users.

It can be challenging and competition has never been so fierce. However at the RBI Global Awards, PKO Bank Polski took away the prize.

Best mobile banking app in the world: PKO continues its winning streak

New players, infrastructure and new regulations are testing all financial organisations on their flexibility to change. If they invest in the future of digital channels they will be able to keep up with the pace.

Picking up best global mobile banking app was PKO Bank Polski. Furthermore, for the past two years the Polish bank has won first place in the RBI rankings.

User reviews on both the Apple and Google Play store comment positively about the app design. It is also easy to navigate through and managing money is simple.

The platform shows a customer everything they need on one screen. Although we are stepping into a digital age, the mobile app has a feature that tells a customer where their nearest branch or ATM is to withdraw cash. This feature supports the best of both worlds.

PKO Bank Polski has continued to launch services and products in recent years that aim to enhance the user experience and encourage more of their customers to bank digitally.

Mobile banking apps must create a harmonious balance between providing customised, quick features and a high-level of security.

Digital Marketing and Social Media

Another award that looked at efforts to improve digital interactions was the ‘Best Use of digital marketing and Social media.

First Direct took this award for its efforts in optimising its brand and narrative through online marketing.

In a highly contested category, first direct launched social media payments this year, for both WhatsApp and Facebook Messenger. In a first for UK banking, customers can now use PayKey technology to simply tap a payment icon on the phone’s keyboard and manage a payment within seconds.

Banks are now raising the bar when it comes to their mobile banking app. It’s a fiercely competitive market, one which has high consumer demand and to win, those demands have to be met.