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 However, due to its outdated design and poor user experience, the legacy workflow became a post-meeting documentation tool rather than the interactive consultation aid it was intended to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 &amp stepped in to turn that vision into a reality.

User onboarding screen for a fintech application, designed by andamp.

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.

Wrench Icon

Single-SPA

Converts the entire frontend into a microfrontend architecture for maximum independence, but the initial setup and ongoing maintenance costs are extremely high.

User onboarding screen for a fintech application, designed by andamp.

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, &amp has already built multiple Expo apps used by tens of thousands simultaneously—we know how to move fast.

React Native

React Native

Expo

Expo

Github

Github

Tamagui

Tamagui

Monorepo

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 &amp 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 &amp 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

1

Migrating from Prose to Structured Data Logic

The old system relied heavily on free-text notes, making data un-analyzable. Our solution was to develop a smart "Questionnaire" module. By answering specific, structured questions, an underlying algorithm automatically suggests relevant deep-dives (e.g., Mobility, Housing) and other tailored suggestions.

2

Seamless Core Banking Integration

The application needed to instantly pull and update existing customer data, including KYC, product usage and other relevant information. We solved this by designing precise API endpoints and interfaces to the core system. This enables real-time data validation and updates directly during the live customer meeting.

3

Providing Business Autonomy

The bank needed the ability to alter the questionnaire for specific target groups without IT intervention. We designed a bespoke relational database structure. This empowers authorized bank staff to activate, deactivate, or schedule new questions for specific demographics completely independently.

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.

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Mock-up of the froots mobile application.

Impact Unleashed

Georgij Oroschakoff

,

Co-Founder & Head of Product of froots

&amp 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 &amp

&amp 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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Katharina Bühn
Software Engineer