Innovating the Mobile Banking Experience for Jordanian Consumers

CASE STUDY

Building Capital Bank’s Mobile Banking Experience

As of 2022, Jordan had over 10 million people and more than 8 million active mobile connections, but only 27% of women and 53% of men held a bank account. Capital Bank of Jordan set out to close that gap by reimagining its existing digital banking experience entirely. The bank extended its partnership with Codebase Technologies to reengineer the experience on Digibanc infrastructure, launching an MVP followed by a series of implementation phases that have since transformed how Jordan banks.

Project Overview

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Jordan entered 2022 with more than 10 million people and over 8 million active mobile connections, but only 27% of women and 53% of men held a bank account. That gap between connectivity and access represented one of the clearest opportunities in the market: a digitally connected population still waiting for a banking experience built around them. Capital Bank of Jordan moved first. The bank extended its partnership with Codebase Technologies, the second collaboration between the two organizations, and set out to completely reimagine its digital banking experience. The goal was a proposition built for digital-native customers, capable of lifting financial inclusion while raising the bar on what customers expect from their bank. The implementation was delivered on Digibanc infrastructure, launching with an MVP before progressing through a series of implementation phases. That phased approach was thanks to Digibanc’s composability, modular architecture, and API-native design, which allowed new capabilities to be plugged in as the roadmap advanced. And the journey continues.

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Client's Mission & Expectations

Capital Bank’s objective was to fundamentally change how customers engage with the Bank. They wanted to build specifically for digital natives, and to build a superior experience on an agile environment that would allow them to progressively engineer new capabilities. They selected Digibanc to launch quickly without disrupting operations and to build a solution that would reach more people, strengthen acquisition and retention, and enhance financial inclusion across Jordan.

“Our new mobile app provides our existing and new customers with a totally fresh and highly customer-centric digital experience, helping us increase customer retention, attract new customers, and provide easier ways for people to manage their money digitally.”

Hussein AbuAyvash,
Group Chief Information Officer,
Capital Bank of Jordan

How Codebase Technologies Made It Possible

The team from Codebase Technologies and Capital Bank of Jordan worked hand in hand, from customer journey design through feature planning, development, deployment, and subsequent phases. The collaboration combined the bank’s intimate knowledge of the Jordanian banking industry and its customers with Codebase’s implementation expertise and the strength of Digibanc.

The rollout unfolded across four phases, each marking a step forward. The first introduced Apple Pay, virtual prepaid cards, CRIF credit reports, and enhanced bill payments, widening what customers could do from day one. The second brought IBAN validation, cutting failed transactions at home and abroad. The third delivered sub-accounts, refined scan bill functionality, and redirections into Capital Investments and Capital Pay. The fourth added credit card management, single sign-on, and portfolio view. The journey continues as the business, customers, and market evolve.

What Digibanc Delivered for Capital Bank of Jordan

Capital Bank’s mobile experience was assembled from Digibanc’s configurable fintech components, connected to the bank’s core banking system and IT infrastructure for seamless deployment. The platform’s API-native design gave the bank a future-proof base, allowing new services to be introduced and existing ones refined as needs changed. Among the key features implemented include:

Widget-Based User Interface  

MENA’s first widget-based interface in a mobile banking app, inspired by smartphone operating systems. Each widget was personalized by product and service, showing customers a streamlined view of relevant information at any moment. The dashboard was arranged by product type for simple, intuitive navigation.

Custom UI for Private Banking Customers

A dedicated interface for high-profile customers, delivering more personalized services, sophisticated experiences, and products aligned to their financial preferences. With global studies showing 72% of customers rate personalization as highly important, this layer ensures each customer receives an experience tailored to drive engagement and retention.

Account and Balance Overview

Customers can view detailed balances and account information across their banking relationship. This provides a clear, consolidated picture of their financial position, forming the foundation for the everyday transactions and account management actions they perform through the app.

Transfers and Bill Payments

Customers can make transfers and pay bills directly within the app. The bill payments functionality was further enhanced with a dynamic screen that updates as each payment processes, with failed payments handled without disrupting the rest.

Debit and Credit Card Management

Customers can manage their debit and credit cards from within the app, including the ability to block, freeze, and set spending limits. This puts control over card security and usage directly in the customer’s hands.

Cardless ATM Withdrawals

Customers can withdraw cash from ATMs without needing a physical card. This extends access and convenience beyond the app itself, giving customers a way to access funds even when they don’t have their card with them.

Virtual Prepaid Cards

A digital alternative to traditional physical cards, giving customers a flexible and secure way to manage their finances. Virtual prepaid cards provide greater control over transactions and contribute to a more adaptable, personalized financial experience.

IBAN Validation  

Integration of IBAN validation reduces failed transactions for both domestic and international payments. It ensures entered IBANs adhere to established international standards, reducing payment errors and improving accuracy and efficiency across financial interactions.

Sub-Accounts  

Customers can manage multiple accounts within their primary account, supporting investments, savings, risk management, financial planning, budgeting, and expense tracking. This adds flexibility and organization, allowing seamless allocation of funds and transaction tracking across sub-accounts.

Investments and Capital Pay Redirection  

A web redirection under the Investments tab onboards existing customers into Capital Investments, the bank’s investment subsidiary. A similar redirection into Capital Pay, the bank’s payments app, unifies the journey across the bank’s digital channels.

“Codebase Technologies’ technical know-how and ability to work under extreme time constraints is really impressive. Their platform puts us in a strong position from a technology point of view and allows us the flexibility to grow and scale in line with the needs of our Bank and our customers.”

Hani Khalil,
Group Chief Digital & Innovation Officer,
Capital Bank of Jordan

Outcomes

The collaboration between Capital Bank of Jordan and Codebase Technologies delivered a mobile banking experience that transformed how customers engage with their finances. The solution has created lasting value for the bank and its customers, while contributing to the continued evolution of digital banking in Jordan.

For Capital Bank of Jordan

The solution is now a critical business tool that engages customers more effectively, reduces operating costs, and sharpens business analytics. Digibanc’s composable architecture gives Capital Bank the agility to respond to market shifts, integrate new capabilities through APIs, and scale sustainably as customer expectations evolve.

For Customers

A personalized, digital-first experience built around their lifestyle. From widget-based dashboards and a dedicated private banking interface to cardless ATM withdrawals, virtual prepaid cards, and full portfolio visibility, customers gain convenience and control across their everyday banking.

For Jordan

The project is a step forward toward increasing financial inclusion, which is targeted to reach 65% by 2028. By extending digital banking access to more Jordanians, Capital Bank is contributing to that national ambition while reinforcing its position as a digital leader.

“We’re extremely proud of the new mobile app and the experience our customers will enjoy. The high level of personalization and ease of use helps us increase our customer retention and attract new customers to our Bank, ultimately driving increased revenues across our business.”

Mohammed Othman,
Group Chief Consumer Banking Officer,
Capital Bank of Jordan

Frequently Asked Questions

What is Capital Bank of Jordan's mobile banking experience?

It is a fully reimagined retail banking solution for mobile and tablet, built by Capital Bank of Jordan with Codebase Technologies on Digibanc platform. It replaces the bank’s previous app with an experience designed for digital-native customers, and it was launched within a few months.

What platform powers the app?

The app runs on Codebase’s Digibanc platform, built on a microservices-based architecture. Customizable fintech components were connected to Capital Bank’s existing core banking system and IT infrastructure for seamless deployment, with an API-native design that allows new services to be introduced as needs change.

What is a widget-based user interface?

It is the first widget-based interface in a mobile banking app in MENA, inspired by smartphone operating systems. Each widget is personalized by product and service, showing customers a streamlined view of relevant information at any given time. The dashboard is arranged by product type for intuitive navigation.

What features are available in the app?

Customers can manage balances and accounts, make transfers and bill payments, view post-dated cheques and letters of guarantee, manage debit and credit cards with block and freeze controls, perform cardless ATM withdrawals, manage beneficiaries, use Apple Pay, access virtual prepaid cards, download CRIF credit reports, and view their full portfolio.

How does the app handle multiple bill payments?

A dynamic screen updates as each payment processes when customers pay multiple bills at once. If one payment fails, the rest still go through, and the confirmation screen shows which succeeded and which did not. Customers can also save billers without completing a payment.

What is IBAN Validation and why does it matter?

IBAN validation ensures entered account numbers adhere to international standards when processing domestic and international transactions. This reduces failed payments, improves accuracy, and enhances the overall efficiency of financial interactions.

How does the solution support future growth?

Digibanc’s composable architecture gives the bank agility and flexibility to respond to market shifts and customer demands. Future developments can be integrated into the app through APIs, positioning Capital Bank for sustainable growth without needing to rebuild the platform each time.

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From redesign to rollout, Capital Bank of Jordan launched a fully personalized, future-ready mobile banking app—built in record time, loved by users, and twice crowned the best in the nation.

In a market primed for digital transformation, Capital Bank of Jordan partnered with Codebase Technologies to completely reinvent its mobile banking experience. The result was a next-generation app built on the Digibanc™ platform, designed around personalization, intuitive navigation, and features tailored to digital-first lifestyles. This bold move not only improved customer retention and acquisition but also earned the app back-to-back recognition as the “Best Mobile Banking App in Jordan” for 2024 and 2025 by International Business Magazine.

Leveraging a first-of-its-kind widget-based interface in MENA, the app introduced dynamic dashboards personalized by customer segment, including a premium design for high-value clients. From cardless ATM withdrawals to real-time card controls, the experience was engineered to be seamless, secure, and scalable. Codebase Technologies’ agile architecture enabled fast deployment with minimal disruption, empowering the Bank to respond quickly to market demands.

Explore how Capital Bank of Jordan is redefining mobile banking by setting a new benchmark for user experience, digital inclusion, and innovation in the region.

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About Codebase Technologies

Innovating the Mobile Banking Experience for Jordanian Consumers

CASE STUDY

Building Capital Bank’s Mobile Banking Experience

Project Overview

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Client's Mission & Expectations

How Codebase Technologies Made It Possible

What Digibanc Delivered for Capital Bank of Jordan

Widget-Based User Interface

Custom UI for Private Banking Customers

Account and Balance Overview

Transfers and Bill Payments

Debit and Credit Card Management

Cardless ATM Withdrawals

Virtual Prepaid Cards

IBAN Validation

Sub-Accounts

Investments and Capital Pay Redirection

Outcomes

For Capital Bank of Jordan

For Customers

For Jordan

Frequently Asked Questions

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Widget-Based User Interface  

IBAN Validation  

Sub-Accounts  

Investments and Capital Pay Redirection  