The banking world is transforming rapidly, and at the heart of this transformation lies one undeniable truth: the future of banking is digital-first, customer-centric, and experience-driven. In “FutureBank: A New Blueprint for Digital-First Banking”, we explore what the next generation of banking could look like—and what it should look like. This is not just a …
Author Archives: khaled.sayed
Payment System Resilience…
In 2020, the Bank of International Settlement (BIS) published guidelines for central banks and included discussion of core banking features.Payment System Resilience was one of the top required features as per the guidelines, So …What is payment system resilience and what are the possible ways to achieve this? I hope that this document will give …
Super App Strategy – Full book
In conclusion, this document on Super App applications is the result of a collaborative effort of combined expertise. It is important to note that there are multiple design approaches to Super Apps that cannot be fully encapsulated in a book, and that this document is not the optimal solution. Rather, it is an attempt to …
07-Market place
Throughout the previous modules and components, our goal was to pave the way for a successful ecosystem market place. In essence, the market place was the end goal that we were building towards through all our previous efforts. The market place is the primary customer-facing product that will attract users to our ecosystem and encourage …
06-Channels
In a super-app ecosystem, channels refer to all available portals and interfaces that are published for customers, partners, and internal teams to access the ecosystem’s functionalities. This includes applications and interfaces that are designed for customers, as well as web portals that are available for partners and business entities to manage their business with additional …
05-Reconcilation
The reconciliation module is responsible for maintaining the integrity of the financial data by comparing the data in the super-app system reports against the data in parallel system reports. This process helps identify any discrepancies between the two sets of data and allows the system to reconcile any gaps. Counters The transaction counters module, on …
04-Service
To maintain a dynamic design, a service module is built to complement the account concept, thinking about service as the same way we trade on a daily basis. Paying at a POS machine moves funds from our card account to the merchant’s linked bank account, while paying money to friends involves cash flowing from our …
03-Account
Building a super-app ecosystem begins with how system accounts are defined. While traditional customer and merchant account types are great, they do not reflect the true meaning of an integrated ecosystem. Therefore, it’s essential to change the account definition from rigid definitions to an adaptable model that emulates real-life scenarios. As humans, we have different …
02-Ecosystem
In this book, we aim to present our vision for the new super-app era. We believe that the future of super-apps lies in creating a complete ecosystem that leverages the power of AI and new analysis tools to seamlessly link all integrated services. This ecosystem will enable the delivery of a rich and enhanced end-user …
01-Super App
As a concept super-app was originated in Asia, where tech companies saw an opportunity to integrate multiple services and functionalities into a single mobile application. The was such services were integrated delivered a smooth and rich end user experience where users were able to run big portion of their daily routines through these super-apps. The …