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Bank Pekao in Cooperation With Efigence, Has Launched PeoPay 4.0

PeoPay, a Polish banking application, is gradually unveiling its new functionalities. Bank Pekao, together with the Efigence team, designed innovative solutions, strongly focusing on personalisation and adaptation to the essential needs and behaviours of users who actively use the online and mobile environment.

One of the most important goals of refreshing the application was to increase the number of its users who have above-average digital competencies and are maximally mobile – without forgetting those outside this group, a little more conservative but equally crucial for Bank Pekao.

The new version of PeoPay was to enable the customer to manage finances using only the application, all in one place and fully configured to a specific client.

In addition, the goal was to increase the sale of banking products by making it as easy as possible to enter the purchasing process and by expanding the offer with non-banking services – related to daily payments for parking, tickets, motorway travel, etc.

Efigence was, among other things, responsible for the reconstruction and optimisation of a personalised dashboard, which allows for banking-related interactions and provides users with fresh content (based on a model known from social media) concerning elements such as recent transactions. Clients can decide for themselves how the desktop should look and which functionalities and interface elements they want to place on the application’s main screen.

“A modern approach to personal finance management is a priority for us, and a functional and intuitive mobile application is the basis of modern banking. PeoPay 4.0 allows the second largest Polish bank clients to finally lead their entire financial lives in the mobile channel without compromises imposed by existing solutions. It also gives them access to non-banking services, making the application the focal point of most of their daily financial activities. We are glad that we were able to work on this project with Efigence, a partner who not only knows the needs of our clients very well but also has extensive experience, know-how and an unconventional approach to each activity. It’s a pleasure to work with such a team” sums up Michał Ornatowski, lead of alternative payments and value-added services team at Bank Pekao.

“An important foundation of the new version of PeoPay was the bank’s support for the client at every stage of using the application. It was intended to increase the sense of security, which is why we paid so much attention to the aspect of customisation in the application so that the user could adapt this tool to their needs. It was equally important to introduce them to the world of PeoPay safely with the help of newly created on-boarding” – comments Paweł Dunia, UX director at Efigence.

“We focused heavily on a new group of potential PeoPay users, people who are accustomed to the active use of mobile solutions – including handling several banking applications at the same time – who are eager to explore new tools and want changes and improvements. I am glad that thanks to the trust and openness of the client and our extensive experience in working for the largest financial players, we were able to design a modern application accessible to everyone” – he adds.

One of the most important fields of change was creating a system of advertising placement – areas in the application where the recipient’s attention can be focused on the interface element, introducing them to the sales process. An important assumption was the abandonment of the banner model – which is becoming more obsolete in the online world – in favour of a tool approach, i.e., interface elements matching the rest of the application.

Changes to PeoPay will be released gradually, and users will receive step-by-step instructions on how to use the new features.


  • Francis is a journalist and our lead LatAm correspondent, with a BA in Classical Civilization, he has a specialist interest in North and South America.

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