The Crédito Agrícola group is the only Portuguese cooperative financial group with over 100 years of history. It has a network of 75 associated local banks – Integrated Mutual Agricultural Credit System – and 627 branches throughout the national territory, making it one of the main Portuguese financial groups.

The Portuguese financial market did not have a specific digital offer for the youth segment (13–17 years old), despite the existence of offerings related to payments, as in the case of prepaid cards. CA challenged its technological partner Xpand IT to materialise, in a mobile app, an innovative and appealing concept for the target in question, mixing user experience and personalisation.

“A relationship of trust and partnership with customers is built over time. To this end, Crédito Agrícola intends to provide digital solutions that support the strengthening of this relationship, counting on the support of our partner Xpand IT.”

Lídia Oliveira Sá – Director of Direct Banking, Crédito Agrícola

Main Benefits:

  • Development of an innovative, irreverent and daring mobile app, one of the first in the Portuguese financial market;
  • This app allows to develop financial literacy and independence in young Portuguese people;
  • The first iteration allows young people to ask for money, check their balance and movements and charge their phone;
  • The mobile app follows a zero clicks approach: it is easy to use, quick and functional.

Main Technologies Used:

The need to develop an innovative app led Xpand IT to use leading-edge technology to deliver an added-value product to the organisation.

The solution was developed using Xamarin, a technology that allows the creation of multi-platform apps, ensuring all the features of a native app.

Azure is Microsoft’s cloud platform. Azure has integrated tools, pre-built templates, and managed services, meaning that developers and IT professionals can quickly build and manage their apps with technologies they already know, using skills they already have.

Furthermore, Azure can support the main operating systems and almost every programming language, framework, tool, database and device.

Learn all about the Crédito Agrícola success case:

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