MyWay - How we transformed user experience for Premium Visa card members

MyWay is a new mobile application provided by PBZ Card that brings a completely new user experience to Premium Visa cardmembers. Application is available for both Apple iOS and Android mobile devices and it is easy and safe to use. The new MyWay application is available on Apple AppStore, Google Play Store, and in Huawei App Gallery.

The application provides following functionalities:

• overview of the new charges and payments before receiving the monthly invoice
• review invoices from previous periods
• overview of Premium Rewards points
• overview of Premium Rewards packages
• online payment – authorization of transactions on web stores using push notification, QR code scanning QR, or generating mToken security code for one-time identification
• usage of biometrics during login and transaction authorization
• E-račun Service (E-invoice) activation
• change of personal data.

One of the main security requirements that the new MyWay application had to meet was 3D Secure 2.0 transaction authorization. 3D Secure 2.0 is the new authentication protocol for online card payments that is designed to improve upon 3D Secure 1 (3DS1) by addressing the old protocol’s pain points and delivering a much smoother and integrated user experience.

The application incorporates Premium Rewards feature that provides end users with the ability to track points gathered per each Premium Visa Card that is enrolled in a loyalty program. Users can see the number of gathered Premium Rewards points in current and previous periods. Also, application provides the end user with an overview of Premium Rewards packages that could be redeemed for gathered points.

CROZ was responsible for the development of the new MyWay mobile application and MyWay microservices as well as support during user acceptance testing and solution production rollout. Currently, CROZ is maintaining the application for PBZ Card d.o.o.

CROZ developed the new MyWay application and MyWay microservices by following the latest technical and security standards as well as implementing the latest trends in the modern financial application.

The new MyWay mobile application is developed by using Ionic/Angular9/Capacitor frameworks. Ionic framework provides cross platform development that is based upon modern HTML5 / Javascript technologies. Seamless integration with native device APIs is provided by Capacitor framework. Also, Capacitor allows creation of various plugins that can provide an interface to the native APIs and libraries such as mToken, QR code scanner, etc.

MyWay microservices are developed using SpringBoot framework and run over Apache Tomcat middleware. MyWay microservice layer includes the following microservices:

• API Gateway microservice
• Registry microservice
• Integration microservice

API Gateway microservice is used as a proxy towards other microservices and provides user authentication and API orchestration. User authentication is based upon verification of one-time password and token serial number that are generated by mobile application. Upon successful user authentication, JSON Web Token is created and delivered back to the mobile application for further requests toward API Gateway microservice.

Registry microservice is used for basic user data storing and retrieval such as user id, token serial number, etc. and for user setting storing and retrieval. Data is persisted inside the relational database.

Integration microservice implements all the necessary integration with the external systems.

AppStore | GooglePlay