By integrating pensions into its mobile ecosystem, the bank transformed a traditionally offline product into a high-engagement layer that strengthened multi-product adoption.
App rating — up from 3.4★
4.7
Active users by 2025
~3M
Growth in new users
+35%
A leading Nigerian financial institution serving more than 30 million customers across retail and corporate banking. While its mobile app was widely used for daily banking, pension services remained heavily reliant on offline processes and served a significantly smaller customer base. Digitising pensions became critical to improving accessibility, reducing servicing dependency, and increasing product adoption across the bank’s digital ecosystem.
Nigeria · 30M+ Customers
The Challenge
Pension services are delivered primarily through offline channels and back-office processes, limiting customer visibility and direct engagement.
At the same time, pensions represent a sticky financial relationship in a market where customers rarely switch providers. Without integration, the bank risked leaving a high-retention product disconnected from its primary digital growth engine. This created a structural inefficiency: a high-lifetime-value product remained underutilized across the broader financial ecosystem.
Heavy reliance on branch and call-centre servicing
Making contributions, fund performance, and account controls visible and understandable inside the mobile app
Limited in-app visibility compared to daily banking
Reducing servicing dependency on branches and call centres
A significant adoption gap between 30M+ banking users and under 1M pension users
Closing the adoption gap between banking and pension user bases
Digitising previously offline pension management processes
Enabling cross-sell without introducing additional onboarding friction
Objective
Restore the bank's ability to innovate safely by rebuilding the product and technical foundations of its mobile ecosystem. Rather than focusing only on visual redesign, the project addressed the deeper structural issues preventing sustainable product evolution.
Analysis of pension workflows and offline touchpoints identified friction across onboarding, access, and ongoing fund management. The discovery phase focused not only on user flows but on aligning identity, compliance, and onboarding logic across products to ensure pensions could operate under the same governance model as daily banking.
This revealed an opportunity to
Embed pensions directly within the main app
Reuse unified login and shared KYC documentation
Position pensions alongside daily banking and investments within one profile
Given the long-term nature of pension relationships in Nigeria, deeper digital integration strengthened the bank’s ability to maintain and expand that relationship inside its own ecosystem.
The Results
Expanding the Digital
Ecosystem
In addition to the mobile banking platform, Alty collaborated with GTBank on additional ecosystem products, including its Investments and Pensions services.
These initiatives extended the bank's digital capabilities and strengthened the overall financial ecosystem available within the GTBank platform.
The Results
A Scalable Digital Foundation Restored
GTBank restored its ability to evolve the mobile platform confidently without risking system stability
Infrastructure modernization reduced long-term maintenance costs while improving platform stability and scalability
App rating — up from 3.4★
4.7
Active users on GTWorld by 2025
~3M
Year-over-year growth
+19%
Matches industry leaders
90%
“
We have truly enjoyed working with Alty on what has been a memorable and fruitful journey to rebuilding GTWorld.
Ololade Okobi, E-Commerce Development & Marketing, GTBank
Innovation capability is a strategic asset in large financial organizations
Restoring innovation requires rebuilding both product clarity and technical foundations.
Architecture modernization enables safe experimentation and faster product evolution.
Digital transformation succeeds when internal teams regain ownership of the platform roadmap.
