COI.
search Request for Consideration arrow_forward menu
close Submit Innovation
close
Banking verified Verified Outcome TRL 9

Super App Platform Architecture

domain Client: Brazilian Digital Bank handshake Provider: AWS schedule Deploy: 2019-2023
93 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

The digital bank evolved its mobile app into a 'Super App', integrating non-banking services like e-commerce and travel directly into the platform to drive daily engagement.

rate_review Analyst Verdict

"The 'WeChat model' applied to Western banking. By owning the marketplace and checking out logic, the bank captures transaction data and merchant fees, diversifying revenue beyond pure interest income."

lock
Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Digital banking apps often suffer from low daily active usage compared to social media or messaging apps. The bank needed to increase engagement frequency and cross-sell opportunities without spending heavily on customer acquisition for each new product line.

psychology The Solution

The institution re-architected its app to host a marketplace of third-party mini-apps (retailers, travel, mobility). Customers can shop and pay directly within the banking app using their account balance, receiving instant cashback. The architecture supports rapid integration of new merchant partners.

settings_suggest Technical & Deployment Specs

Integrations
Merchant APIs
Deployment Model
Cloud
Data Classification
PII/Commercial
Estimated TCO / ROI
Medium
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
App Bloat Low Modular architecture

trending_up Impact Trajectory

Audited value realization curve

Growth in non-financial GMV Verified Outcome
Primary KPIIncrease in daily login frequency
Audit CycleReduced customer acquisition cost (CAC)

policy Compliance & Gov

  • Standards: E-commerce / Banking
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: PII/Commercial

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
lock
verified_user
Technical Audit
PDF • Audited
lock

Related Intelligence

article
CapEx Forecasting & Equipment Intelligence
View Outcome →
article
Nuclear Lifecycle Digital Twin
View Outcome →
article
Real-Time Logistics Intelligence
View Outcome →
Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for Brazilian Digital Bank without exposing sensitive IP or identities.

Private
lock_person

1. Raw Evidence

Audit ID: #PRIV-455
Evidence: Direct SQL Logs
Public
public

2. Verified Asset

Outcome: Verified
Ref ID: #COI-455

Strategic Action Center

Identify your current stage and take the next step.

rocket_launch
Replicate This Success
Want similar results? Request a deployment consultation.
psychology_alt
Submit Challenge
Have a different problem? Submit your problem statement.
publish
Publish Case Study
Submit your own verified evidence.
thumb_up
Verify Impact
Audit your existing solution.