Case Study: Large Regional Bank achieves modernized online and mobile banking (3.5M customers migrated, reduced downtime) with Cognizant

Regional Bank Embraces Digital Solutions For Online And Mobile Capabilities

A large regional bank was losing competitive ground as customers shifted to digital channels and rival firms offered more advanced self-service online and mobile features. With branch traffic declining and call center volumes—and costs—rising, the bank engaged long-time IT partner Cognizant to modernize and synchronize its web and mobile applications and deliver the digital experience customers expected.

Cognizant built an integrated custom web and native mobile platform using three-week Agile sprints, aggregating accounts across internal and external providers and adding PCI‑compliant biometric authentication, P2P transfers, mobile deposit, credit scores, mortgage tracking, personal financial management and a loyalty program. The rollout migrated 3.5 million customers in 23 months, drove 375,000 native app downloads in 25 months, captured 250,000 PFM opt‑ins and 145,000 loyalty enrollments, cut maintenance downtime from four hours a week to 20 minutes, and ranked the bank in the top five on the Javelin Mobile Banking Scorecard.