CASE STUDY
Building Ajman Bank SuperApp
Ajman Bank, a trusted name in UAE Islamic banking, set out to transform its digital banking experience by building a retail super app. The bank partnered with Codebase Technologies to bring this vision to life. Powered by Digibanc platform, the app delivers a full suite of modern banking services, and gives customers a faster, simpler way to manage their finances.
Project Overview
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Ajman Bank has been a key player in the UAE’s Islamic banking sector for over 15 years. The bank has been committed to building products and services that meet customer needs, and this approach has helped it earn recognition including “Best Bank for Wealth Management” in 2022 and ISO certifications for quality management in 2020. The UAE’s digital landscape is evolving rapidly. With 99% internet penetration and 99% smartphone penetration, customers expect seamless digital experiences. Mobile connectivity stands at 202%, 70% of the population actively uses digital banking, and 80% of transactions were made digitally in 2025. The UAE government has set a target to reach a 100% cashless society by 2031. Banks must adapt to meet these changing expectations.
Ajman Bank recognized that implementing a platform for continuous innovation was the logical next step. The bank selected Codebase Technologies to lead its digital transformation journey. The first major initiative was to reimagine and launch a retail banking super app. Codebase’s consultancy support and technical expertise were key to delivering this solution. The new app helps Ajman Bank enhance service delivery, acquire customers, cross-sell products, and improve internal operations. Codebase built the solution on its Digibanc platform. To ensure flexibility and scalability, Cloud4C was brought in to deploy the solution on Microsoft Azure. This cloud environment guarantees the bank scalability at speed and optimized costs.
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Client's Mission & Expectations
Ajman Bank’s mission was to reinvent how it delivers banking services by moving beyond traditional branch-based interactions and meeting customers through mobile channels. The objective was not simply to digitize existing processes, but to create a comprehensive digital banking experience that brings everyday banking needs into one platform. The solution also needed the flexibility to evolve with changing customer expectations, new digital services, and market developments.
The bank needed a partner that could translate this ambition into a scalable SuperApp with speed and efficiency. This required a technology foundation capable of supporting a broad range of banking services while maintaining security and reliability. Codebase Technologies brought the required digital banking expertise and the Digibanc platform to deliver this vision. The partnership was built on a shared commitment to delivering a secure, scalable, and customer-centric digital banking experience.
“Our strategic plan to move to the cloud is a testament to our continued efforts towards digitization and commitment to the well-being of the UAE’s people and economy. The prestigious awards we have received so far recognize our achievements and are an inspiration to push forward with our mission to provide innovative and secure financial services to our customers. We are excited to embark on this journey with the world’s leading technology vendors and establish a solid foundation for future growth.”
Mustafa Mohammed Saeed Al Khalfawei
CEO, Ajman Bank
How Codebase Technologies and Digibanc Made It Possible
With Ajman Bank’s vision clearly defined, Codebase Technologies adopted an agile development approach. The team worked closely with the bank through workshops and collaborative sessions to translate business requirements into technical solutions.
Digibanc’s modular, API-first architecture served as the foundation, enabling the teams to configure and integrate banking capabilities without building every function from scratch. This accelerated development significantly while providing the flexibility to enhance the platform as customer needs evolved.
“Our team drew upon their extensive experience to work on the design of the SuperApp, ensuring that it was user-friendly and intuitive. They conducted extensive desktop research and user testing, mapping out and testing various iterations of UI elements to identify pain points and create a design that would meet the needs of Ajman Bank’s customers.”
Raheel Iqbal
Managing Partner,
Codebase Technologies
Key Functionalities Implemented at Go Live
The initial release of Ajman Bank’s Super App focused on delivering the most essential banking services customers use daily. Rather than launching with every possible feature, the bank prioritized core functionalities that address the majority of customer needs. This approach allowed for a faster time-to-market while establishing a solid foundation for future enhancements.
Digital Onboarding
Customers can complete remote onboarding through integrated digital identity verification without visiting a branch. Existing Ajman Bank customers can migrate to the platform without re-registration, preserving account access and ensuring a seamless transition to digital banking.
Account management
Customers get a unified view of their accounts, including real-time balances, transaction histories, and financial activity. Customisable alerts and transaction categorisation provide greater visibility and help customers monitor account activity
and manage their finances more effectively.
Payments & Transfers
The SuperApp supports fund transfers, IBAN transactions, and bill payments through a single interface. Customers can also make bulk bill payments and manage inbound and outbound transfers, simplifying recurring payments and everyday financial transactions.
Card management
Customers can apply for debit and credit cards directly through the SuperApp and manage key card services digitally. They can make payments, block or unblock cards, monitor transactions, and receive real-time notifications for greater control and security.
Beneficiary Management
Customers can securely save beneficiary details for future transactions, eliminating the need to re-enter information for repeat transfers. The feature supports both local and international beneficiaries, making recurring payments and transfers faster and more convenient.
Branch Locator
An integrated branch locator helps customers find nearby Ajman Bank branches, with access to locations, operating hours, and directions. The feature connects digital banking with physical services when customers need in-person assistance or branch-based support.
Delivered Through Strategic Partnerships
Microsoft Azure
Microsoft Azure provided the cloud infrastructure for Ajman Bank’s Digibanc deployment, delivering the scalability, security, and compliance capabilities required for a digital banking environment. The platform enabled Ajman Bank to scale resources based on demand while supporting data integrity, regulatory requirements, and the bank’s long-term digital transformation strategy.
Cloud4C
Cloud4C provided managed cloud services for Ajman Bank’s deployment on Microsoft Azure. Its role covered infrastructure management, optimisation, security, compliance, and ongoing maintenance, enabling the bank to operate a scalable and secure cloud environment while reducing infrastructure management demands and focusing on digital banking innovation.
InfoBip
Infobip provided the notifications engine for Ajman Bank’s SuperApp, enabling real-time transaction alerts and customer communications. The solution supports timely notifications across banking activities, helping customers stay informed about account and transaction activity while strengthening the overall digital banking experience.
Kong
Kong served as the technical integration layer connecting the SuperApp with Ajman Bank’s underlying systems and external services. Its API management capabilities helped orchestrate complex system interactions and support seamless data exchange, contributing to a consistent and responsive customer experience across the digital banking platform.
“We are delighted to support Codebase Technologies and Cloud4C to support Ajman Bank in their migration to the cloud. Our infrastructure for financial service providers is specifically designed to help organizations like Ajman Bank achieve their long-term objectives of delivering exceptional customer experiences, ensuring compliance and security of data, and scalability with ease.”
Yvonne Chebibv
Global Partner Solutions Lead, Microsoft UAE
Outcomes
The partnership between Codebase Technologies and Ajman Bank delivered a groundbreaking retail banking SuperApp, creating a modern digital foundation for the bank’s next phase of growth and innovation. Built on Digibanc™ and supported by a robust technology ecosystem, the solution positions Ajman Bank to continuously evolve its digital banking proposition.
For Ajman Bank
Ajman Bank formed a scalable digital banking foundation that enables the bank to expand its product and service offering, respond to changing market demands, and accelerate the delivery of new digital capabilities through a more flexible technology environment.
For Ajman Bank Customers
Customers gained access to a unified digital banking experience that brings essential everyday services into one SuperApp. The solution makes key banking activities more accessible and convenient, while providing a simpler way for customers to manage their financial needs digitally.
For the UAE Ecosystem
The project contributes to the continued digitalisation of the UAE’s banking sector by demonstrating how established financial institutions can leverage modern, cloud-based banking technology and ecosystem partnerships to build more agile and innovative digital financial services.
“Our expertise in cloud-based infrastructure managed services, combined with Microsoft Azure’s robust cloud capabilities, enabled Codebase Technologies to deploy their Digibanc platform on a fully compliant and secure cloud environment. This combined effort enables Ajman Bank to easily innovate, scale their business operations, and most importantly, focus on their core business — delivering exceptional customer experiences.”
Cloud4C
Frequently Asked Questions
What is Ajman Bank?
Ajman Bank is a UAE-based Islamic bank that has operated in the country’s Islamic banking ecosystem for over 15 years, recognized for its value-driven approach to retail and wealth management banking.
What platform powers Ajman Bank's super app?
Ajman Bank’s retail super app is built on Digibanc™, Codebase Technologies’ cloud-native, API-first digital banking and fintech platform.
What can customers do in the Ajman Bank super app?
Customers can transfer funds, pay bills individually or in bulk, apply for and manage debit and credit cards, open accounts, make deposits, request loans, save beneficiaries, locate nearby branches, and much more.
Which partners were involved in building the Ajman Bank super app?
Codebase Technologies led the build on Digibanc, with Cloud4C and Microsoft Azure handling cloud deployment, Infobip powering real-time notifications, and Kong managing API integration.
Where is Ajman Bank's super app hosted?
It’s deployed on Microsoft Azure, in compliance with UAE Central Bank regulations, with Cloud4C providing ongoing managed services for infrastructure, optimization, security, and regulatory compliance.
How long has Ajman Bank operated in the UAE's Islamic banking market?
Ajman Bank has been part of the UAE’s Islamic banking ecosystem for over 15 years.
What awards has Ajman Bank received?
Ajman Bank has been recognized with MEA Finance Banking Technology Awards, Best Cloud Implementation (2025), NAFIS Award (2024), and ISO certifications for quality management and customer satisfaction.
