A new-generation mobile banking app for young people

Tuesday, September 27, 2016 — KBC today launched KBC K’Ching, a free smartphone app made specifically for young people that lets them carry out financial transactions, combining a high fun factor and attractive new look. The app was developed using the latest technologies and trends, including a chatbot which enables users to ask questions based on key words. This feature is also powered by artificial intelligence making interaction with KBC K’Ching possible as the app learns more about the user.

Users can personalise KBC K’Ching with themes, including a buddy who helps them with their transactions and shares useful tips and advice on secure banking, money matters and simply being young. It helps young people aged between 12 and 25 to become more financially literate and confident in managing their banking.

KBC is the first bank in Belgium and Europe to develop and launch an app especially for teens and young adults.

KBC K’Ching was uniquely co-developed by young people

Recent research carried out by TNS and Google shows that 15 to 25s are resolutely opting for smartphones and user-friendly apps.

The KBC Mobile app did not appeal sufficiently to young users, so we looked for a concept that both matches their expectations and grows with their needs.
The pilot phase was kicked off at the end of June 2016 when about 400 young clients tested the results of this co-creation on iPhones and Android phones. They used a closed Faceboook group to give feedback and suggestions to KBC. The chatbot will also be developed further with their help.

How KBC K’Ching is breaking the mould

The app was made for young people and is very easy to use. KBC K’Ching’s design looks more like a chat app than a banking one and has many innovative features:

  • Young users can personalise the app with their favourites themes to give it their own look. New themes will regularly become available in the autumn.
  • Each theme has its own avatar that gives them useful tips and fun facts. The current version already allows users to chat with it. Interaction will be even greater in upcoming releases.
  • Transactions are grouped per contact so users can see the last transaction per contact using a layout familiar to young people from similar chat apps.
  • Users can personalise their contacts with an image or photograph.
  • The young person can set up the app to check their account or savings account balance without needing to log in.



JArchitects role:

  • Development of the Android APP
  • Development of the iOS APP
  • Security of the apps
  • Setup C.I