CASE STUDY
Building Blink
Capital Bank of Jordan wanted to tackle financial inclusion with a groundbreaking neobank built for Jordan’s young, mobile-first population. Working with Codebase Technologies on Digibanc, Blink launched its front-to-back digital banking proposition, including core banking, in just six months. Its gesture-based UI was designed around how Gen Z and millennials use their phones.
Project Overview
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Jordan has high digital connectivity, with 92.5% internet penetration, 97.5% smartphone penetration and 87.7% mobile connectivity. However, financial inclusion remains at 55%, creating an opportunity to improve access to digital financial services. Capital Bank of Jordan wanted to address this gap by launching a digital-only neobank for Jordan’s young, mobile-first population.
Capital Bank worked hand in hand with Codebase Technologies to bring Blink to life. Leveraging Codebase Technologies’ proprietary Digibanc platform, Blink was built from the ground up, from the core banking system and digital onboarding to card issuance, digital lending, API integrations, regulatory reporting, and more. Digibanc’s ready-built components enabled the Bank to focus on the customer proposition and experience without building the technology from scratch.
Blink launched its front-to-back digital banking proposition in just six months. Customers can open an account from their smartphone, access virtual and physical cards, send and receive money, make payments, manage their accounts and access credit through a fully digital experience. The platform gives the Bank an agile foundation for future product development, integrations, and expansion.
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Client's Mission & Expectations
Capital Bank of Jordan wanted to build a digital-only neobank that could expand access to banking for underbanked and underserved customers while appealing to Gen Z and millennials.
The Bank sought to simplify account opening and traditional onboarding while delivering faster, more accessible digital financial services. At the same time, Blink needed to augment the Bank’s strong physical footprint, strengthen its position in a rapidly evolving market, and provide the agility to compete with digital-first fintechs.
“Codebase Technologies made such a great impression on us. The team has excellent technical know-how and truly understands the intricacies of banking and the vision we’re trying to achieve.”
Dawod Alghoul,
CEO, Capital Bank Group
How Codebase Technologies and Digibanc Made It Possible
Codebase Technologies worked closely with Capital Bank to design, build and launch Blink as a fully digital banking proposition. Leveraging Digibanc and its component-based architecture, the teams brought together the technology, banking capabilities and customer experience needed to launch quickly, while giving the Bank a flexible foundation for continued product development and innovation.
“We’re grateful to Codebase Technologies for being a committed partner and helping us in our journey of building a neobank. The chemistry between both teams was fantastic and we’re happy the team helped us bring our vision to life so quickly and to such a high standard. We look forward to further growth in the product and expansion to new markets in the future.”
Zein Malhas,
CEO,
Blink
What Digibanc Delivered for Blink
Digibanc provided the technology foundation for Blink’s digital-only banking proposition, bringing together the capabilities needed to deliver a seamless, mobile-first customer experience. Below are some of the key highlights.
Core Banking System
Provided the foundation for Blink’s digital banking proposition, supporting customer accounts and core banking operations as part of a fully digital, front-to-back banking environment.
Digital Onboarding
Enabled customers to open a bank account directly from their smartphones using their Jordanian ID, reducing documentation and manual processes and allowing account opening in under 15 minutes.
Virtual and Physical Card Issuance
Enabled customers to access virtual and physical cards digitally, with Blink introducing instant credit card issuance in Jordan without requiring a salary transfer.
Digital Lending
Integrated a digital credit application and approval journey, giving customers faster access to credit while connecting Blink to the National Credit Bureau for credit assessment and transparency.
Payments and Money Transfers
Enabled customers to send and receive money, make QR and bill payments, and manage everyday transactions directly through the Blink mobile banking experience.
API Integrations
Established API integration capabilities that allow Blink to connect with external services and support the introduction of new products, services and digital banking capabilities.
Regulatory Reporting
Integrated regulatory reporting capabilities into the digital banking proposition, supporting the Bank’s operational and compliance requirements as Blink scaled.
Gesture-based Mobile UI
Introduced a gesture-based interface built around swiping, with simplified journeys and language designed to reflect how Gen Z and millennials interact with digital services.
Outcomes
Blink achieved Capital Bank of Jordan’s objectives by bringing a digital-only banking proposition to market in just six months and creating a new way for customers to access financial services. The impact is twofold, benefiting both the Bank and the underbanked population the proposition was designed to serve.
To Capital Bank of Jordan
Blink expanded Capital Bank’s digital reach beyond its physical footprint, enabling the Bank to attract new-to-bank customers and gain greater visibility into customer behavior. The platform also provides an agile foundation for continued product development, innovation and expansion.
To Jordan’s Underbanked
Blink made banking more accessible to Jordanians by allowing them to open an account in under 15 minutes using their Jordanian ID. Customers can also access a credit card in just three minutes, helping reduce traditional barriers to financial services.
Frequently Asked Questions
What is Blink?
Blink is Jordan’s first digital-only neobank, built by Capital Bank of Jordan in partnership with Codebase Technologies to tackle financial inclusion for the country’s underbanked population.
What platform powers Blink?
Blink runs on Codebase Technologies’ Digibanc platform, built using a component-based approach featuring core banking, omnichannel, digital onboarding, card issuance, digital lending, API integration, and regulatory reporting.
How long does it take to open a Blink account?
Jordanians can open a Blink account from their smartphone using their Jordanian ID in under 15 minutes.
How fast can Blink customers get a credit card?
Blink can issue an instant virtual or physical credit card in under 3 minutes, without requiring a salary transfer – a first in Jordan, through a fully digital credit approval process integrated with the National Credit Bureau.
What can customers do in the Blink app?
Customers can complete digital onboarding, apply for and manage virtual and physical cards, make QR payments, pay bills, transfer money, view transaction history, withdraw from domestic and international ATMs, and manage their profile, all through a gesture-based, swipe-first interface.
How long did it take to build and launch Blink?
Blink was designed, built, and launched front to back, including core banking, in six months.
How has Blink performed since launch?
Blink has reached the top 5 most downloaded apps in Jordan, with tens of thousands of accounts opened and tens of thousands of credit cards issued, and plans to expand across the MENA region.
