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Serving 100.000 monthly users with PBZ Premium Visa Card services

The MyWay app by PBZ Card and CROZ is a pioneering mobile application that provides a unified and user-centric platform for managing financial services, significantly enhancing user experience and operational efficiency.


MyWay, developed by CROZ for PBZ Card, revolutionizes financial management for Premium Visa members by consolidating essential services into one comprehensive mobile application. This transformation addresses the previously fragmented experience, providing enhanced security, convenience, and real-time financial insights, significantly improving customer satisfaction and engagement.



When it comes to financial services, Premium Visa Card is the first choice for millions of consumers globally. People choose Premium Visa cards for quality, ease of use, and continuous innovation. Regularly excelling at product development, PBZ found a matching level of precision in the digital realm with CROZ. Together, we set out to create a unique mobile application MyWay, transforming the way consumers approach their financial services using a single digital hub.

MyWay mobile app offers a comprehensive suite of features, streamlined functionalities, and robust security, empowering users to manage their finances with ease from the palm of their hand.

Before MyWay, PBZ Card’s Premium Visa members faced a fragmented financial management experience. Key information like transaction history, reward points, and invoice details were scattered across various channels. This lack of a centralized platform made it cumbersome for users to gain a holistic view of their finances. Imagine logging into a web portal for invoices, dialing a customer service number for reward point inquiries, and scrutinizing paper statements for upcoming charges. This disjointed experience not only wasted valuable time but also created a barrier to fully utilizing the benefits associated with premium cards.

Here’s a closer look at the pre-MyWay challenges:

  • Fragmented Information:
    Essential financial details like transaction history, reward points, and invoices resided in separate systems, hindering a comprehensive financial overview.
  • Limited Accessibility:
    Managing finances often required accessing web portals or contacting customer service, hindering convenience and flexibility.
  • Cumbersome Processes:
    Tasks such as bill payments or reward point redemption could be cumbersome and time-consuming due to the lack of a centralized platform.
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CROZ addressed these challenges by crafting the MyWay mobile app, a secure and user-friendly platform built with cutting-edge technologies. The core pillars of MyWay’s success include:

  • Cross-Platform Development:
    Leveraging the Ionic framework with Angular 9 and Capacitor, CROZ ensured the app’s seamless functionality on both iOS and Android devices. This eliminates compatibility concerns and allows users to manage their finances regardless of their preferred mobile operating system.
  • Enhanced Security:
    Security remains paramount in today’s digital landscape. MyWay adheres to the latest security standards, including 3D Secure 2.0 for online transactions. This robust security framework safeguards user data and financial information, fostering trust and confidence in the platform.
  • Microservices Architecture with Cloud and API Integrations:
    The MyWay app utilizes a microservices architecture built with SpringBoot deployed in a cloud environment. This approach breaks down the application into smaller, independent services that communicate with each other through APIs (Application Programming Interfaces). Cloud integrations enable scalability and flexibility, while API integrations facilitate seamless communication with PBZ Card’s existing systems. This architecture enhances scalability, simplifies maintenance, and ensures optimal performance even as user numbers grow.

CROZ employed a human-centered approach throughout the development process. By prioritizing CX design and UX design principles, the team ensured the MyWay app is intuitive, user-friendly, and caters to the specific needs of PBZ Card’s premium members. This focus on user experience is a key driver of MyWay’s success.

The MyWay mobile app goes beyond simply viewing account information. It empowers users with a comprehensive suite of features that streamline financial management and elevate convenience:

  • Real-time:
    Gain complete transparency into your finances with features like upcoming charge previews and access to past invoices. This allows for informed budgeting and spending decisions.
  • Effortless Tracking:
    Keep a close eye on your Premium Rewards points. MyWay allows you to monitor points earned on individual transactions, view total points accumulated across all enrolled cards, and explore redemption options directly within the app.
  • Secure:
    No more scrambling for passwords or security codes. MyWay allows swift and secure online transactions through biometrics or one-time codes generated within the app. This eliminates the need for remembering complex passwords and ensures a smooth checkout experience.
  • Convenient E-statements:
    Go paperless with MyWay. Activate electronic statements directly within the app and access past invoices with ease. This reduces clutter, simplified record-keeping, and contributes to a more environmentally friendly approach.
  • Seamless:
    Update your personal information effortlessly within the app. This ensures your account details remain accurate and facilitates smooth communication with PBZ Card.
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