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Online Duken B2B

Online Duken B2B

Online Duken B2B

Halyk Bank x McKinsey

Halyk Bank x McKinsey

Halyk Bank x McKinsey

Overview

Overview

Overview

Halyk Bank is Kazakhstan's largest bank with a 35% market share. MAU of its B2C mobile superapp is ~8M. MAU of its B2B mobile app is ~300k+.


Halyk Bank has very trusting relationships with large businesses. However, in a Small and Midsize Enterprises, there is a room to go.

Prerequesites

Firstly, 8 out of 10 Small and Midsize Enterprises actively use services of the competitor Kaspi, while only 3 out of 10 use Halyk for business.

Secondly, the pace of development of e-commerce, especially the FMCG, in Kazakhstan, is growing at a record 12-13% second year in a row.

Solution

So it was decided to collaborate with McKinsey to increase the customer base of Small and Midsize Enterprises not through direct lending, but through providing the first FMCG marketplace for businesses in Central Asia with the option of buying now and paying later.

Benefits

Benefits

Benefits

Halyk Bank

gets up to 2x more new business customers to give them short term loans.

Businesses

get the opportunity of making orders anywhere at any time with the option of buying now and paying later.

Distributors

cut costs on personnel because they will need to keep less sales representatives to send to stores to take the order and thanks to digitalization, they will gain more transparent processes and better tracking of sales and trends.

In the Digital Mortgage Team:

✅ For Businesses I designed:
(1) Core flows like purchase, checkout, delivery and payment.
(2) Application for connection of Deferred Payments.
(3) Sharing rights and setting up accesses of cashiers within the marketplace.

After designing the flows, I was creating prototypes in Figma and go for UX-tests to convenient stores. Results then were analyzed and presented to the team. If the results were satisfiyng, developers were taking the task to their backlog. If not, there was the second round of design and UX-tests.

💎 Increased the average check up to 21% by pushing the implementation of Promo mechanisms by researching, designing and presenting them to the Management.

💎 Increased the conversion to cart by 18% without significant efforts on the development side by imply fixing UX of listing of products.

✅ For Distributors I designed the Monitoring Panel where they can monitor sales, promo, catalog, clients and setup rights and accesses to the panel for its employees. After designing the flows, I was creating prototypes in Figma, presenting and testing with Distributors' representatives.