Mobile banking

OCA

Industry

Financial services

Client website

oca.uy

The new OCA app

OCA redesigned its mobile banking app to orchestrate the digital wallet, the OCA Blue account, and core products (cards, loans, rewards) in one place—driving recurring usage and cross-sell. Customers now pay with their phone via NFC (Android + Mastercard) and access benefits and promos, increasing purchase frequency and average ticket. The app also adds real-time crypto buy/sell (BTC/ETH), expanding revenue streams and engagement within the brand’s digital ecosystem.

+350K

of users

4.8/5

App Store rating

+70%

digital transactions

About the client
Client needs
Solution delivered
Services provided
Results

About the client

OCA is one of Uruguay’s leading financial brands, focused on payments and digital solutions for millions of yearly transactions. Through its app and “Mi Cuenta,” it unifies credit cards, loans, insurance, rewards, and the OCA Blue digital account into a single ecosystem, making the mobile channel the gateway to its products and daily customer relationship.

With OCA Blue, users manage peso and dollar accounts, make unlimited free transfers to any institution, and shop abroad without surcharge—accelerating digital adoption and reducing operational friction. The app also enables contactless payments via NFC/Google Pay for Mastercard cards, increasing usage frequency at the point of sale.

Client needs

· Modernize experience and brand perception with a faster, safer, user-centered app, reinforcing mobile as the main touchpoint.
· Unite and expand digital capabilities in one place: peso/dollar balances, transfers (internal, OCA Blue, and other banks), card activation/blocking, payments, and rewards.
· Scale the technology foundation to support ecosystem growth (OCA Blue), enable mobile payments (NFC/Google Pay), and accelerate launches with less operational friction.

Mobile banking development

· iOS/Android app development: integration with OCA Blue and contactless Google Pay/NFC payments; new APIs, CI/CD, and monitoring for frequent releases.
· Complete UX/UI redesign with a design system and simplified flows.
· NFC payments for OCA cards, increasing usage frequency at POS.
· Digital channel redesign with dynamic content (videos and messages) without needing store updates.
· Reinforced security and optimized performance to scale the digital ecosystem.