Toyota Bank - Tankuj Korzyści
Company description
Toyota Bank Polska S.A. is a well-established bank specializing in financial services with a strong focus on the needs of drivers and car owners. The bank offers comprehensive banking solutions tailored to everyday vehicle use, where convenient access to tools on a smart phone plays a key role. In practice, drivers expect one place to control costs, documents, and benefits, which is why a bank loyalty app became a natural extension of the Toyota Bank service ecosystem. This approach allows customers to manage expenses and information in one place, improves security, and makes decision-making easier while travelling.
Bank loyalty app
In cooperation with Toyota Bank Polska S.A., we delivered a project involving the development of a mobile app for iOS and Android, together with a dedicated CMS for content management. Toyota Tankuj Korzyści is a free mobile app created for drivers, combining a loyalty program with tools for financial management and everyday car use. The app was designed as modern software and a service platform that helps the user control costs, receive personalized offers, and use features that are particularly useful on the road.
The solution remains stable even with limited internet connectivity, while data and content are continuously updated through update mechanisms managed from the CMS level. The app was built to give customers ongoing access to information about benefits and rewards, while also supporting data security and user control. The project included integrations with external systems and communication automation processes, including push notifications, which were essential for effective real-time contact with customers.
In the context of travel-related features, the solution could also rely on map-based tools such as Google Maps, supporting navigation, route planning, and the delivery of useful information in the field. This enhanced convenience and contributed to a better user experience for people using the app during daily driving and longer journeys.
Project goals
The main goals of the project were to provide customers with easy access to information about loyalty programs and allow them to quickly view benefits directly in the app.
Another objective was to enable users to track benefits and rewards related to their participation in loyalty schemes, while strengthening customer engagement through personalization.
The project also included building a clear and responsive mobile app for iOS and Android, with a strong emphasis on usability, intuitive navigation, and convenience on a smart phone.
An equally important goal was to implement a CMS that would allow the bank to improve communication with customers through personalization, segmentation, and automated push notifications and offers.
Driving customer engagement through bank account benefits
The app allows users to quickly record refuelling events, or fill ups, and fuel expenses, and then generate clear reports on spending. Users can monitor operating costs related to their car, which makes budgeting easier and provides full control over finances in one place. The system automatically creates summaries and reports, supporting analysis and informed decisions about how much money they spend on their vehicle.
The functionality also includes digital storage of motor insurance policies, increasing security and making it easier to store and manage documents without the risk of losing them. In the event of a road incident, the app supports drivers in preparing the documentation required for a third-party liability claim, which is especially useful in stressful situations.
Users have access to instructions and important data in one place, and the process can be supported through notifications and real-time updates. In the context of travel, the app delivers current information and helps organize activities related to the vehicle, which proves valuable both on longer routes and in everyday use.
A particularly useful feature was the ability to calculate and monitor average fuel consumption based on refuelling history. This gave drivers a practical answer to the question of how much fuel their car was using over time. By combining fill ups, mileage, and cost information, the solution helped users better understand fuel consumption, reduce unnecessary costs, and ultimately save money.
Within the app, users could take advantage of two loyalty programs. Toyota More allowed them to earn rewards for activities related to the Toyota and Lexus brands and then redeem points for discounts, for example when purchasing a new vehicle. Cashback rewarded users for meeting specific conditions on their bank account, such as maintaining a balance or showing purchase activity, and let them earn cashback on purchases made at petrol stations. This approach strengthened relationships with customers, supported ongoing activity, and increased the value of the bank’s services.
CMS
The CMS enables push notifications to be sent to precisely defined target groups, supporting personalization and better-matched communication. Employees can manage content and offers, prepare messages, and run campaigns based on user parameters, improving the effectiveness of marketing activities. Thanks to the CMS, the bank has full control over the content available in the app and can quickly introduce updates so that information remains current for users.
In addition, the CMS supports data management, including collection, analysis, and reporting, which helps the bank better understand customer needs and direct offers to relevant segments. It also gives teams a stronger basis for monitoring communication performance and selected key performance indexes related to campaigns and content delivery.
Integration with external systems through CSV files improved the exchange of data from multiple sources. Some processes, including push notification delivery, were automated, which reduced service time and limited the use of internal resources while still enabling real-time communication with selected groups. This improved operational efficiency and supported stronger customer engagement.
From a broader digital perspective, the CMS could also provide structured campaign data and selected reporting outputs similar in logic to a site’s analytics report, helping teams evaluate how users respond to content, offers, and journeys within the ecosystem. While this was not a public website analytics implementation, the reporting approach supported decision-making in a way comparable to digital analytics, helping the bank track outcomes and enhance communication quality. The reporting layer helped the bank understand how visitors interact with promotional content and loyalty-related messages across the digital ecosystem. Analytics tools make it possible to calculate visitor activity, compare engagement patterns, and assess the effectiveness of digital campaigns. The reporting framework made it easier to identify unique visitors across campaign-related digital touchpoints and evaluate overall audience reach.
Challenges
The implementation of the app was challenging and required an advanced approach to mathematical modelling, integration with external services, and compliance with strict legal requirements and security standards. One of the key challenges was developing a model for calculating average fuel consumption based on refuelling data, so that users could monitor efficiency over time and better control fuel costs.
The integrations also required an understanding of complex legal terminology and banking processes. In addition, the project was delivered with limited access to customer data, which required particular attention to security, environment control, and the protection of sensitive information.
Another important aspect was combining core mobile banking expectations with loyalty and travel-related certain functionalities in one coherent product. This required careful planning, particularly where external integrations and other third party features had to operate reliably and securely alongside banking-related processes.
Solutions
To speed up the process of adding vehicle information, AZTEC codes from registration certificates were used. Scanning the code on a smart phone allowed the user to complete the vehicle register process in just a few seconds. In SEO language this could be compared to a qr code-like convenience, although technically the project relied on AZTEC codes.
The iOS app was built natively in Swift, while the Android version was developed in Kotlin. This resulted in high performance, stability, and a smoother experience across devices, including Apple phones and Android smartphones. Because of the sensitivity of the data, biometric methods were applied to enhance access security.
The backend was based on WebLogic, Oracle, and PrimeFaces, providing a solid technological foundation, efficient business logic management, reliable data storage, and stable integration handling. This architecture made it possible to support both loyalty features and banking-related processes in one scalable environment.
Results
- The app enabled drivers to quickly record refuelling events and fuel costs, resulting in more accurate spending monitoring and better cost control.
- Thanks to reporting features, users received clear summaries of fuel expenses and other operating costs, which made analysis and budget planning easier.
- The solution provided secure storage for policies and documents, as well as support in road-related situations, increasing safety and convenience during travel.
- The Toyota More and cashback programs increased engagement, strengthened customer relationships, and supported loyalty through tangible value in everyday payments.
- The intuitive CMS interface enabled automation and personalization of communication, including push notifications, content updates, and offer targeting.
- From the user perspective, the solution combined loyalty, everyday vehicle management, and selected banking functionalities in one free mobile app.
- From the bank’s perspective, it created a powerful tool to engage customers, improve communication, deliver personalized rewards, and strengthen long-term customer engagement.
