Customer apps
Your brand in their pocket, their browser and their chats.
A mobile app, a website and WhatsApp, under your brand and running on the same core. Your customers open products, pay, transfer and get help wherever they are, and every channel shows the same numbers.
One customer, three ways in, one set of numbers
Because the app, the website and WhatsApp run on the same core, your customer can move between them freely, and each one shows the same information.
Laura asks whether she qualifies for a loan and sees her pre-approved offer.
She applies in the app and the loan is approved.
At her desk, she checks her payment schedule and downloads her statement.
An app that does everything your customers expect from their bank
Fast, stable and ready with your brand. Your customers handle their finances without visiting a branch or calling anyone, and they come back every day, not once.
Their money at a glance
Balances for every account, loan and savings goal.
Pay and transfer
Bills, transfers to other people and banks, instant payments and QR.
Every movement
A clear history of everything that came in and went out.
Offers that fit AI
Product suggestions based on how each customer actually uses their money.
Smart alerts AI
Reminders before a payment is due and alerts on unusual activity.
Open new products
A loan, a savings account or a savings goal, from the app.
Statements and receipts
Download them whenever they need them.
Help inside the app AI
Answers to their questions in a chat, with a person taking over when needed.
Their money at a glance
Balances for every account, loan and savings goal.
Open new products
A loan, a savings account or a savings goal, from the app.
Pay and transfer
Bills, transfers to other people and banks, instant payments and QR.
Every movement
A clear history of everything that came in and went out.
Statements and receipts
Download them whenever they need them.
Smart alerts AI
Reminders before a payment is due and alerts on unusual activity.
Offers that fit AI
Product suggestions based on how each customer actually uses their money.
Help inside the app AI
Answers to their questions in a chat, with a person taking over when needed.
A website that informs, wins customers and lets them operate
A public site that explains your products and turns visitors into customers, plus a secure area where customers use their products from the browser. Same core, same experience as the app.
Built to be found
Product pages and content written for search engines, so new customers find you.
Open a product online
Prospects sign up and open an account or apply for a loan without downloading anything.
A secure customer area
Customers sign in to see balances, pay, transfer and download statements.
Help while they sign up AI
A guide on the page and instant answers to the most common questions during sign-up.
Ask, open and pay, inside a WhatsApp chat
The app your customers already use every day becomes a place to get help and get things done. An AI assistant answers questions, guides customers through opening products and carries out operations, day and night, and hands over to a person whenever it's needed. Support costs go down and your brand gets closer to its customers.
Answers right away
Balances, payments due and product questions, at any hour.
Guides them through
Step by step through opening an account or applying for a loan.
Gets it done
Pays bills and sends transfers, with a confirmation and receipt in the chat.
A person when needed
Hands the conversation to your team when a case needs it.
Your account, your number
Runs on your own WhatsApp Business account.
A sign-up that's fast for customers and safe for you
Identity, list and fraud checks are built into the sign-up, so customers get in quickly and you stay compliant from the first step, without slowing down honest customers.
Identity
The ID document is checked against official sources.
PassedBiometrics
A liveness test and a face match confirm it's really them.
PassedRestricted lists
Anti-money-laundering and politically exposed person lists are checked, with a record kept for audit.
PassedFraud check
The risk of each sign-up is assessed in real time.
PassedAccount open
The customer is in and operating, with a complete file.
OpenAIDocument and biometric checks and fraud models use AI.
See integrationsYour brand, your stores, your accounts
Your logo, colours and fonts are set from the back office, and every channel updates with them. The apps are published under your name, and your customers never see ours.
Set from the back office
Change your logo, colours and fonts without a development project.
Your app stores
The apps are published on the App Store and Google Play under your own developer accounts.
Your WhatsApp number
The assistant runs on your WhatsApp Business account.
Your website address
The website lives on your own domain.
Questions about the customer apps
Yes. They go out on the App Store and Google Play under your own developer accounts.
No. Start with one (the app, the website or WhatsApp) and add the others when it makes sense.
Yes. The apps can run on top of the systems you already have, or on the Cowally core.
Yes. Logo, colours and fonts are set from the back office, with no development project.
Yes. AI services are switched on per client and billed by use.
See your brand in your customers' hands
In one session we'll show the app, the website and WhatsApp running with your brand and a product like yours.