Case Study: Allied Bank achieves 5x internet banking growth and 60% digital transactions with Oracle Banking Digital Experience

Allied Bank Limited blazes a digital path with oracle

Allied Bank Limited, one of Pakistan’s largest banks with over 1,350 branches and 1,500 ATMs, set out to transform its customer experience by avoiding siloed internet-then-mobile solutions and building a scalable, omnichannel digital platform. The bank needed a holistic system that could connect across devices, improve service delivery for both business and retail customers, and strengthen its competitive position.

Allied implemented Oracle Banking Digital Experience as the foundation of its myABL platform, first for business banking (payments, transfers, trade) and then for retail customers. The shift moved the bank from predominantly branch-based transactions to 60% digital transactions, grew internet banking users from 100,000 to 500,000 in two years (350,000 regular users), and cut per-transaction costs from $5–$6 to about $0.40. New capabilities—personal finance and card management, Siri voice commands, and geofencing offers—have improved personalization and customer value, with a goal of reaching 80% digital transactions.

Allied Bank

Mujahid Ali

Chief Information Technology Group