
A New Approach to Digital Consultation for Financial Services
Oberbank utilized a standardized workflow for conducting customer meetings. However, due to its outdated design and poor user experience, the legacy workflow became a post-meeting documentation tool rather than the interactive consultation aid it was intended to be. Additionally, because data was collected in free-text fields, drawing analytical conclusions was difficult. As user expectations evolved, Oberbank recognized the need to shift from passive documentation to a dynamic, visual "consultation experience" displayed directly in advisory rooms and & stepped in to turn that vision into a reality.

Customer
Oberbank
Type
Web Application
Industry
Financial Technology
Duration
6 Months
Country
Austria
Starting Off with Goals in Mind
1
Elevate the Live Consultation Experience
Shift the workflow from post-meeting administration to a live, interactive advisory process that engages customers visually and modernizes the in-branch experience.
2
Unify Workflows and Data Utility
Replace fragmented legacy processes with a consistent advisory standard while transitioning from unstructured notes to structured data capture for advanced analytics and regulatory compliance.
3
Accelerate Advisor Enablement
Implement guided questionnaire logic to empower new or less-experienced advisors to lead high-quality, independent client conversations significantly faster.
Phase 1
Solution Finding Process
How we did it
Right off the start of the project, we faced a challenge: Integrate an externally developed advisory module into a bank's core frontend with minimal overhead while preserving standards, and reusing UI components.
A: Integrated Repository Development
Leverage the host’s existing infrastructure or Git Submodules to enable immediate component reuse. This ensures a fast start and low setup costs but ties development to the host’s release cycles.
B: NPM Package
Offers great framework support via an internal registry. However, releases remain tied to the host, and reusing host UI components would require extracting them into a separate shared library.
C: Module Federation
Allows highly independent development and deployment cycles (lazy-loaded). The downside is significantly higher architectural setup costs and the need to package shared components via NPM.
Single-SPA
Converts the entire frontend into a microfrontend architecture for maximum independence, but the initial setup and ongoing maintenance costs are extremely high.

Our decision
We chose to develop directly within the host application's codebase. While we accepted the trade-off of shared release cycles, this approach delivered critical advantages:
• Immediate Start: Allowed us to meet a strict time budget without battling existing organizational processes.
• Zero Pipeline Changes: Avoided disrupting other teams' infrastructure by leaving existing Angular templates and deployment pipelines intact.
• Trivial Component Reuse: Leveraged the clean host repository to easily move shared UI components into a centralized module.
• Future-Proof: Kept the architecture simple for now, keeping the door open to migrate to Module Federation later if frontend teams scale up.
Phase 2
Implementation
Tech Stack
Froots' web app was already built with React and Next.js, making React Native the obvious choice. Code reuse, existing knowledge, and a shared monorepo meant we could hit the ground running.
React Native & Expo: Natural evolution from React/Next.js
Tamagui: Replacing Mantine while keeping design consistent
Monorepo: Share code between web and mobile
Bonus: Expo can render on the web, meaning it could eventually replace the web app entirely. Plus, & has already built multiple Expo apps used by tens of thousands simultaneously—we know how to move fast.

React Native
Expo

Github

Tamagui
Monorepo
Agile Process
Close coordination with Oberbank’s internal IT teams was a cornerstone of the project’s success. Rather than working in a silo, we functioned as a strategic partner to their technical experts, ensuring a seamless integration into the bank's existing infrastructure.
Our approach:
• Scrum-driven delivery cycles to maintain a structured, iterative, and predictable pace toward the launch.
• Asynchronous Sprint cycles between & and Oberbank. This staggered approach allowed us to remain in a constant "build-and-review" loop without the teams blocking each other’s progress.
• Joint backlog refinement where business logic, regulatory needs, and technical constraints were discussed and prioritized in real-time.
• Continuous feedback loops between & and Oberbank, ensuring that sprint results were reviewed and adjusted without administrative delay.
This communication-heavy Scrum model was essential for managing the project’s technical complexity within a six-month window. By maintaining an "open-door" policy with Oberbank’s developers, we bypassed traditional approval bottlenecks and maintained a high development velocity without compromising on quality or compliance.
Challenges
Phase 3
Ship
Ready, Set, Ship!
Three months. That's all the time it took to develop a complete mobile app from a vision.Today, froots users can natively manage their financial future on iOS and Android. The complete dashboard with all depots, the thoughtful onboarding flow, the entire transaction history, and depot tracking—everything they know from the web app is also there in the native app. Everything works quickly and intuitively; everything feels like an app that was developed from the ground up for mobile.
This only succeeds when an experienced team relies on proven technologies while proceeding strategically. The project showed us that even the most ambitious goals can be achieved in the shortest time with a methodical approach and the right team setup—while also being really enjoyable.

Impact Unleashed
Georgij Oroschakoff
,
Co-Founder & Head of Product of froots
& is a partner, not just a service provider. Our collaboration was honest, open, proactive, and friendly right from the start. The team is incredibly strong, both professionally and personally. They integrated seamlessly into our corporate culture, were actively involved in finding solutions, and were always happy to go the extra mile to achieve the agreed goals and milestones. The cooperation was very successful, and the final product speaks for itself.
About &
& uses the power of technology to empower people in what they are doing. Depending on your ideas and needs, we develop, shape, and improve software products to increase your digital resilience.

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