Soon, 3.8 million customers will gain access to mOkazje Shopping. This service will launch with a new version of the mobile app, set to appear in app stores by the end of this week and gradually roll out until Christmas. Ultimately, 3.8 million individual bank customers will have access to it.
A year ago, mBank and Morele.net partnered to provide customers with the most convenient shopping experience and a wide product assortment.
“Our strategic thinking about application development focuses on making customers’ lives easier. Whenever we want to change something, we always ensure the new solution meets this criterion,” says Krzysztof Bratos, Vice President of the Management Board at mBank for Retail Banking. “That’s why we pay close attention to what our customers do. It turns out that online shopping is their domain. In 2024, they spent around PLN 32 billion through this channel. This means that nearly every fourth zloty spent in the e-commerce market then came from an mBank customer’s account. So, we decided we’d make their lives easier by offering the ability to shop directly within our mobile app. From the customer’s perspective, it’s convenient that they can do more things in an environment they know well and visit daily (the average customer logs into the mBank app 35 times a month). From the bank’s perspective, expanding the range of additional services is a way to increase customer activity and loyalty. The project also fulfills one of our strategic goals: development in the e-commerce sector,” explains Krzysztof Bratos.
Teams from mBank and Morele collaborated on the project. Together, they created a platform with full functionality familiar to customers from popular shopping platforms.
“We assumed that for the project to succeed, we couldn’t compromise. The mBank app is one of the highest-rated and most technologically advanced on the market. We’ve accustomed our customers to this level, so when building a shopping module into it, we couldn’t fall below the standards known from our app or the largest marketplaces. And we succeeded. We even did more, because our process is faster, partly because we have our own payments, and some data is automatically pre-filled from our systems. And at no stage does it require redirection to external sites. The entire process happens within our banking app,” says Krzysztof Dąbrowski, Vice President of mBank for Operations and IT. “We were integrating two technological environments, which presented many challenges. Fortunately, we chose a partner for cooperation who, in addition to a wide range of products, brought advanced know-how to the project,” adds Krzysztof Dąbrowski.
“As a company with over 20 years of experience in e-commerce, we perfectly understand the needs and expectations of customers regarding online shopping. Morele.net’s cooperation with mBank on the mOkazje Shopping project allowed us to leverage our know-how in creating solutions that are not only intuitive but also fast and secure. By combining our e-commerce experience with mBank’s technology, we’ve created a solution that merges the convenience of mobile banking with a rich product offering. This is a unique project for us because customers will gain the ability to make online purchases in an environment they know well and trust. We believe this is an innovative endeavor towards redefining online shopping standards,” says Michał Pawlik, President and Co-founder of Morele.net.
mOkazje Shopping Launching Soon to 3.8 Million Customers
The solution will be available to adult individual clients of mBank. You can access mOkazje Shopping by clicking the offer widget on your dashboard or by selecting the “Shopping” tab in the app’s menu. Inside, customers will find over 1.5 million products across approximately 2,000 categories. They will also receive personalized recommendations (based on purchasing habits, among other factors), promotions, and daily deals.
A search engine, with filtering and sorting options, will help customers find the right product. The service boasts full functionality, familiar to users of popular shopping platforms. When customers view a product page, they’ll see images, specifications, price, available delivery methods, and user reviews.
Address details are automatically pre-filled, and order finalization only requires entering the app’s PIN or confirming the transaction via Face ID. Payments are equally instant and occur without any external redirection.
mBank Pay Later – A Unique Solution
Customers will have several payment methods to choose from, including the “mBank Pay Later” deferred payment option, available since January of this year. This is the bank’s proprietary solution. Initially, this option will be available to approximately 2 million customers. Limits have been tailored to the customer’s financial capabilities, allowing them to defer payments for purchases worth up to PLN 7,000. In the next phase, in 2025, customers will also be able to convert these payments into installments.
Service Already Has Its First Promoters
The service’s introduction was preceded by a pilot program involving 500,000 customers who served as its first reviewers. Their feedback on the project has been very positive. The vast majority recommend using mOkazje Shopping. The service’s NPS in November of this year reached an impressive 92*, a rarely seen result in the market. Now, it’s time for feedback from more users.
The service will continue to be developed. In subsequent phases, it will become available to business clients. The number of products and sellers will also expand.
*To calculate the NPS (Net Promoter Score), subtract the percentage of Detractors (those who strongly do not recommend the service or product) from the percentage of Promoters (those who strongly recommend it). For example, if 75% of respondents are Promoters, 15% are Passives, and 10% are Detractors, the NPS is 65 (75 – 10 = 65). The NPS score ranges from –100 (all Detractors) to +100 (all Promoters).