• 1200

    Man hours of
    brainstorming

  • 1500

    man hours of
    research

  • 54

    APIs from 6 third-
    parties reviewed

  • 4

    POCs created for
    different modules

Introduction
  • Client Name

    Guarantee Trust Bank Ltd.
    (GTCO PLC.)

  • Business

    Banking & Finance.
    Retail, Commercial
    & Corporate Banking

  • Country

    Nigeria

Considered as Africa's best bank, Guaranty Trust Holding Company PLC also known as GTCO PLC is a multinational financial services group, that offers retail and investment banking, pension management, asset management and payments services, headquartered in Victoria Island, Lagos.

  • ₦ 4.945Trillion Assets
  • 12k+ Employment
  • ₦ 814.4Billion Shareholder's Fund
  • Featured as subject of
    Harvard Business School Case studies

    Best Digital Bank in Nigeria

Services in
  • Cote D'Ivoire Cote D'Ivoire
  • Gambia Gambia
  • Nigeria Nigeria
  • Ghana Ghana
  • Liberia Liberia
  • Kenya Kenya
  • Rwanda Rwanda
  • Tanzania Tanzania
  • Uganda Uganda
  • Sierra Leone Sierra Leone
  • United Kingdom United Kingdom
    Kingdom
Business Goal

GTConnect would provide an ecosystem to consumers that offers social interactions,
banking services, eCommerce, news & updates on a single interface. Additionally it
provides a revenue generating platform for vendors and content providers to market their
content over the platform.

gtbank biz goal
Client
Olusina Ayegbusi (CIO, GT Bank)

Through new GT Connect application,
non-account holders of GT Bank Nigeria
can be directly reachable. Appending
other prominent service segments apart
from the basic banking features of the
application, attracts all age group the
most.

Pain Areas
  • Accessibility issues due to internet
    connectivity problems in Nigeria
  • User experience issues due
    to multiple platforms
  • Marketing & advertising complexities due
    to user base across platforms
  • Administrative complexities of managing
    different platforms for different verticals
  • Lack of single integrated intelligent
    dashboard for decision making
  • Feasibility concerns considering an
    all-in-one platform requirement
  • Third-Party platforms
    dependencies
  • Lack of other industry
    expertise in GT Bank team
Hidden Brains Approach(Discovery & Analysis)

The start of discovery phase of the solution. This involved, identification & understanding the vision, objectives and goals resulting in defining the starting point.

Identify and prepare workflows. In depth Analysis of the Workflow carried together with defining the business model of the product, and identification of the busienss cases.

Technical feasibility checks, risks identifications, dependencies, deriving multiple technical options, aligning the technical options with the business needs, and creation of POC helping in selection of the right approach and technology selection.

  • Understanding theVision
  • Understanding theWhy
  • Defining theWhat
  • Defining theHow
  • Checking theViability
  • Deriving theWhen

This started with understanding the current IT & software infrastructure of GT Bank, together with currently existing platforms and capabilities. Understand the purpose of each applications & modules.

Wireframes & prototypes created to convert the user journey into user experience on the platform. Defining the architecture, product design, modules, interfaces and data for the system to satisfy specified requirements.

Identification and selection of the priority features based on the business goals. Preparation of the product roadmap considering priority feature releases for the MVP.

Hidden Brains Solutions
Online Multivendor Marketplace

Multivendor ecommerce marketplace platform design, and development plan to enable buyers & sellers to connect & transact.

gt bank multyvendor
  • Merchant onboarding
    & seller portal
    development
  • Quick payments through
    advanced shopping card
    development
  • Customer journey
    tracking for retail
    shopping
  • Deals & loyalty programs
    solution
  • Payment software
    solution
  • Targeted advertising
  • Logistics & shipment
Utility Bill Payments Solution

Definition & designing of digital Payment solution leveraging Electronic Payment technology for Convenient Bill Payments & Collection.

Merchants onboarding to leverage payment software solution

Bill generation through bill payment app

GT Bank New Payment Wallet flow
  • Bill Payments through real-time
    payment solution
  • Bill sharing with friends & family
  • Scheduling payments
  • Split bills between users
Core Banking Solution

System design for custom banking software development solution enabling digital payments for all users and the entire bouquet of GTBank services to account holders

GT Bank Core Banking
  • Online/Offline transfers through
    core banking software system
  • Mobile Top-Ups
  • eWallet & virtual cards
  • Request, replace & block cards
    through banking application
  • Account opening
  • Loyalty programs
  • QR payment through hi-tech
    fintech solution
  • Personal financial management
  • Insurance policies management
  • Loans management
  • Cardless withdrawals
Digital creation & publishing platform

Solution design for Custom content publishing software platform development providing content creation solution, to engage the platform users through the digital publishing solution.

GT  Bank dig creation
  • Publisher onboarding through
    publishing app platform
  • Automatic content moderation via
    advanced publishing platform
  • Videos publishing &
    creation
  • Marketing & advertisements
    through custom advertising solution
  • Consumer interaction analytics
    & payments
  • Online/Offline audio/
    video player
  • Audios &
    podcasts
  • Games
    publishing
  • New &
    magazines
  • Blog
    publishing
Custom Messaging APP

Design for Custom Chat application development to build community of visitors via engagement & transaction processing

GTbank Custom Messaging
  • Contact management
  • one-to-one & Group messaging through the instant
    chat app solution
  • File sharing
  • Chatbot embedded into the instant messaging
    application
  • Messages using emoji,
    stickers, badges
  • Bill payments through real-time digital payment
    solution
  • Moments - available for 24 hrs.
  • Audio & video chat through the messenger app
  • Payments & transfers
Application Store development

Plan for Custom app marketplace development to enable app developers to get enterprise applications tested by community before actual launch

GTBank app store
  • App approvals
  • App analytics
  • App private store
  • App reviews
  • Social community
Custom Website Builder

Technical design for developing free website builder and custom website design solution & Provide IT infrastructure as a service (hosting) to small businesses through no-code website development

GTBank Custom web build
  • Webpage &
    website builder
  • Webpage templates
    management
  • Hosting
    services
  • Subscription
    packages
  • Storage space
    management
GTCO same orange achievements
Achievements
  • 1200

    Man hours of
    brainstorming

  • 1500

    Man hours of
    research

  • 7

    Applications Prototype
    built in 8 weeks

  • 54

    APIs from 6 third-parties
    reviewed

  • 4

    POCs created for
    different modules

  • Offline application
    architecture defined

Technical Information

To complete the prototype of all applications in short period of time is like magic. Cannot imagine completing this in 8 weeks without the dedication & expertise of Hidden Brains team.

Profile Placeholder

Edufon Japhet (Group Head, Business Solutions, GT Bank)

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