Overview
Overview
Overview
Seeking to enhance the way users interact with their services, Premium Card, a leading BNPL company, chose 34ML as their trusted software development partner.
Expanding into the retail market, their aim was to successfully revamp their digital presence allowing users to manage their accounts, make payments, and access exclusive benefits. Together, we managed to build a much simpler user journey.
Industry
Industry
Industry
Fintech
Fintech
Fintech
Services
Services
Services
Solution Design, Roadmapping, User Research, Prototyping, User Interface Design, Third Party Contracting, iOS, Android, Web, Backend Development, AI / ML, Cloud Hosting, DevOps, Performance Monitoring
Deliverables
Deliverables
Deliverables
High Fidelity Designs, Admin Panel, Native iOS & Android (Google & Huawei) User Apps, Native Android internal App, 3rd Party Integrations
High Fidelity Designs, Admin Panel, Native iOS & Android (Google & Huawei) User Apps, Native Android internal App, 3rd Party Integrations
Technologies
Technologies
Technologies
Goals
Goals
Goals

Enhance user experience
Enhance user experience
Creating an intuitive, engaging, and easy-to-use app for PC customers.
Creating an intuitive, engaging, and easy-to-use app for PC customers.

Simplify card registration process
Simplify card registration process
Providing easy and straightforward steps to apply for the card.
Providing easy and straightforward steps to apply for the card.

Build a modular app
Build a modular app
Developing an app that is scalable & easier to maintain and update.
Developing an app that is scalable & easier to maintain and update.

Personalize the user's wallet
Personalize the user's wallet
Encompassing all the user’s financial details in one place.
Encompassing all the user’s financial details in one place.

Facilitate user onboarding
Facilitate user onboarding
Implementing an automated KYC process to streamline and secure the onboarding experience.
Implementing an automated KYC process to streamline and secure the onboarding experience.
Solution
Solution
Solution
To create a seamless user experience
To create a seamless user experience
34ML built a full fledged bank-free user apps.
34ML built a full fledged bank-free user apps.
34ML built a full fledged bank-free user apps.

These user apps help customers install payments, find nearby stores, track finances and redeem loyalty ships. Alongside the user apps, we also built an internal app and a landing page, all of which are connected to a centralized backend layer that holds the content management system.
This layer also acts as the integration layer between internal ERP systems, payment gateway, analytics platforms, and more. Our solution has empowered users with unparalleled convenience, streamlining their financial interactions and enhancing their overall digital experience.
These user apps help customers install payments, find nearby stores, track finances and redeem loyalty ships. Alongside the user apps, we also built an internal app and a landing page, all of which are connected to a centralized backend layer that holds the content management system.
This layer also acts as the integration layer between internal ERP systems, payment gateway, analytics platforms, and more. Our solution has empowered users with unparalleled convenience, streamlining their financial interactions and enhancing their overall digital experience.
These user apps help customers install payments, find nearby stores, track finances and redeem loyalty ships. Alongside the user apps, we also built an internal app and a landing page, all of which are connected to a centralized backend layer that holds the content management system.
This layer also acts as the integration layer between internal ERP systems, payment gateway, analytics platforms, and more. Our solution has empowered users with unparalleled convenience, streamlining their financial interactions and enhancing their overall digital experience.
Features
Features
AI-driven Onboarding Process
A faster and safer onboarding process through artificial intelligence and machine learning EKYC process.
User Wallet
Provides users with a holistic view of all their transactions and simplify the installment payment process.
Loan Management
A clear and quick process to apply, track and receive loans through the app.
Offers & Discounts
Incorporating Loyalty program, vouchers, offers, and referral program to boost the frequent use of Premium Card.
Passwordless Authentication
Provides a more secure, convenient and password-free login experience.
Full Fledged Merchant Catalog
Users will be able to search, sort and filter through all merchants available and finalize all their payments.
Personalization
Customized user experience through personalized homepage & geo-location based push notifications.
AI-driven Onboarding Process
A faster and safer onboarding process through artificial intelligence and machine learning EKYC process.
User Wallet
Provides users with a holistic view of all their transactions and simplify the installment payment process.
Sign In
WELCOME BACK!
Premium Card Number
Password
Forgot your password?
Need help? Call us 16818
Sign-in with face ID
…Intouch with your needs!
Apply For a Premium Card
Continue Without Signing In
Register
SIGN IN
Do you have a premium card?
Don’t have a card yet?
ENG
Need help? Call us 16818
Register
Confirm Password
Expiry Date
Password
Premium Card Number
Sign up
Account Balance
70%
Avalibale credit limit
7000 EGP of 10000 EGP
Upcoming Installments
July installment
0.00 EGP
August installment
0.00 EGP
September installment
0.00 EGP
November installment
0.00 EGP
3,000 EGP
Current Balance
Recent Transactions
Tradeline
- 1000.00 EGP
15 April - 11:02
Nike Store
- 65.00 EGP
12 April - 22:50
+ 450.00 EGP
Premium Card
11 April - 18:44
+ 450.00 EGP
Premium Card
11 April - 18:44
Home
Catalogue
Offers
Menu
Want to save your money?
Join a Gam3ya now!
Men
Shoes
Women
Kids
Learn more about Loyalty program
Home
Catalogue
Offers
Menu
Favorite Vendors
Latest Offers
Latest Updates
Favorite Categories
Quick links
Balance
Financing
Vouchers
Loyalty
-70%
NEW YEAR SALE
Welcome,
User’s First name
Profile
Personal Info
Edit
Last Name
Phone Number
Email
Work
Net Income
Residential Area
Name
0123456789
email@34ml.com
Work
1000 EGP
Cairo - Heliopolis
Home
Catalogue
Offers
Menu
First Name
Name
Profile
Favorites
Home
Catalogue
Offers
Menu
Edit
Edit
Vendors
MaxMara
Tommy Hilfiger
MaxMara
Tommy Hilfiger
C&CO
C&CO
Converse
MaxMara
Tommy Hilfiger
C&CO
Converse
MaxMara
Tommy Hilfiger
C&CO
Categories
Favorite Categories
Save
FASHION
ACCESSORIES & COSMETICS
FOOD & BEVERAGE
OTHERS
Men
Bags
Bags
Women
Bags
Women
Food
Food
Bags
Women
Sports
Sports
Women
Kids
Loan Management
A clear and quick process to apply, track and receive loans through the app.
Offers & Discounts
Incorporating Loyalty program, vouchers, offers, and referral program to boost the frequent use of Premium Card.
Passwordless Authentication
Provides a more secure, convenient and password-free login experience.
Full Fledged Merchant Catalog
Users will be able to search, sort and filter through all merchants available and finalize all their payments.
Personalization
Customized user experience through personalized homepage & geo-location based push notifications.
Results
Results
Results
Successfully simplifying complex banking services into an enhanced digital experience.
Successfully simplifying complex banking services into an enhanced digital experience.
Successfully simplifying complex banking services into an enhanced digital experience.
1M+
1M+
1M+
Of users’ traffic on all Premium Card apps
Of users’ traffic on all Premium Card apps
Of users’ traffic on all Premium Card apps
200K+
200K+
200K+
Active monthly users
Active monthly users
Active monthly users
40%
40%
40%
Cut down in onboarding process time while significantly decreasing fraudulent applications
Cut down in onboarding process time while significantly decreasing fraudulent applications
Cut down in onboarding process time while significantly decreasing fraudulent applications
Said by our partners,
Said by our partners,
Said by our partners,

"The special thing about 34ML is that their response is fast and they understand exactly what we want. "
Paul Antaki - Founder and Chairman

"The special thing about 34ML is that their response is fast and they understand exactly what we want. "
Paul Antaki - Founder and Chairman
Play Video

"The special thing about 34ML is that their response is fast and they understand exactly what we want. "
Paul Antaki - Founder and Chairman
Play Video
All offline processes are now served through the mobile app dropping customer service inquiries to a min
All offline processes are now served through the mobile app dropping customer service inquiries to a min
All offline processes are now served through the mobile app dropping customer service inquiries to a min

Ready to craft your success story with us?
Ready to craft your success story with us?
Ready to craft your success story with us?