Pekao Mobile Shopping Planner
Pekao Mobile Shopping Planner
Company description
Pekao S.A. is one of the largest banks in Poland, offering a wide range of banking services for individual customers and businesses. The bank is known for implementing modern technology solutions that make it easier for customers to access products and services, both through its website and within online banking, mobile banking, and digital self-service channels. Pekao also develops a mobile banking app, payment-related tools, and solutions supporting everyday transactions, allowing users to benefit from banking features anytime and anywhere, in line with the highest security and compliance standards. This approach reflects the bank’s innovation, digital expertise, and strong focus on the customer experience.
Mobile banking loyalty app
Mobilny Planer Zakupów was an excellent solution designed as a discount and loyalty program created by Pekao S.A. as a mobile app, with the goal of increasing the convenience and attractiveness of using cards, including credit, payment, and debit cards, together with the connected rewards program. The project was launched in 2011 to encourage customers to actively use their cards, increase the number of card transactions, and attract new customers by promoting the opening of personal accounts. The app was aimed at individual users who wanted to quickly search for promotions, discover rewards, and use them during everyday shopping. In many ways, it functioned as a mobile banking loyalty app connected to the wider banking ecosystem.
The system was available in a web version and as a mobile app for Android and iOS. Mobilny Planer Zakupów was a comprehensive and intuitive solution that combined user convenience with administrative features, supporting the bank’s strategy in product promotion, sales, customer engagement, and new user acquisition. As a digital version of a modern discount and loyalty program, it strengthened the relationship between customers, the banking app, and the bank’s broader digital offer.
From the user’s perspective, the app was strongly focused on practical benefits. It presented current promotions, discounts, and offers in selected places, making it easier to plan purchases and encouraging more frequent card payments. In addition to discounts, the solution also offered extra services, such as information about partners and promotion terms in one place. The program also supported sales paths in which a user could choose a product or account, and the bank could generate leads and encourage further actions, such as requesting a call or submitting an application for a product, among both existing and potential customers. The banking app was used as a convenient channel for presenting discounts in favorite store locations in real time, depending on the user’s location. This helped drive engagement, build customer loyalty, and improve overall engagement with the brand.
Project goals
Increase the number of active card users and grow the volume of payments among Pekao customers.
Promote the opening of a business account and personal bank accounts through lead generation and new customer acquisition.
Support Pekao’s business partners in promoting special offers and provide better visibility for promotions in one place.
Create an intuitive tool enabling offer discovery, detailed listing of available deals, and planning shopping routes.
Increase the reach and availability of the discount program through channels such as the mobile app, website, and integration with the mobile banking ecosystem.
Mobile banking app
(App Store / Google Play)
Mobilny Planer Zakupów was implemented as an app for Android and iOS, as well as in a web version. Users could search for current promotions based on location and use two views: map and list. The app also made it possible to create a list of favorite offers in selected store locations. These basic functionalities were designed to ensure easy access and a smooth customer experience.
A shopping route planning feature was also available. The user selected an attractive promotion, added it to a plan, and completed shopping in a logical sequence. The solution supported both in-store and online shopping, while navigation features made it easier to move between locations. This made the app an example of how a banking product could go beyond standard payments and offer daily value to consumers. It also helped users understand where they could save money, how to manage their spending, and how to make better purchase decisions.
Thanks to the intuitive interface, users could easily browse different types of offers, including standard discounts and time-limited promotions. Anyone could use the app, but the ability to redeem some rewards was available only to Pekao cardholders, such as users of credit or debit cards. In some cases, receiving the discount required completing a transaction with a Pekao debit or credit card. This model increased customer activity and the number of transactions, while also supporting interest in a personal account and card products. It helped earn rewards, strengthened customer loyalty, and created measurable engagement.
In the broader context of mobile banking, the solution helped build a habit of regularly using the bank’s app, where the user also wants access to transaction history, account balances, and other payment functions. In similar scenarios, customers often also use mobile payments, want to send money, review their accounts, and stay in control of their personal finance. Over time, such habits can support wider adoption of banking tools and contribute to long-term customer engagement.
CMS panel supporting the banking app
From the administrative side, the system was operated through a CMS panel that enabled the management of promotional offers, including adding, editing, and removing campaigns. Administrators could review offer details, manage campaign schedules, and import data in bulk using batch files, which made it possible to keep content current in both the app and on the website. The panel ensured full control over content and presentation, supporting consistent communication and fast updates across the partner network.
From a business perspective, this solution improved operational performance, supported content management, and gave the bank stronger capabilities in handling large volumes of data related to promotions, retailers, and campaign timing. It also created room for advanced analytics, better insights, and deeper understanding of user behavior, partner effectiveness, and campaign results. Such insights are essential for improving future campaigns, optimizing sales, and maintaining a high-quality customer experience in digital banking.
Results
- Implementation of one of the first mobile shopping systems in Poland for a bank, available on phones with Android, iOS, and in a web version. The app expanded Pekao’s presence in mobile banking and digital banking channels.
- Integration with a broad network of discount partners across Poland and more effective promotion of offers among individual customers, encouraging them to use banking services and card-based payments more often.
- Users could search for discounts available both in physical locations and online store environments, making shopping planning easier and more convenient.
- Mobilny Planer Zakupów supported further online shopping activity among bank customers, helping them earn rewards, discover promotions, and increase everyday engagement with the bank.
- The release of a shopping route planning feature made purchases easier to complete and improved the overall customer experience.
- The app reached tens of thousands of users at the peak of its popularity, significantly increasing the reach of the loyalty program and helping drive engagement.
- The number of newly opened accounts and the level of customer activity increased thanks to the promotion of card products and the habit of using the bank’s app and mobile banking environment.
- The program encouraged activity because discounts were linked to card payments, including payment card usage in everyday situations, which increased the number of card transactions and strengthened customer relationships.
- Thanks to the implementation, users gained easier access to selected banking products and informational materials in the digital channel, while the bank gained a stronger solution for digital communication, customer engagement, and cross-selling.