PKO Junior Application Qorus Banking Innovation Awards 2016

The key goals of the PKO Junior banking offer are: • to establish long-term relations with customers; • to increase the banked population among the 0-13 age bracket (about 5 million children in Poland); • to provide practical education for the youngest. The PKO Junior app is a mobile equivalent of the PKO Junior online service. Its key feature is comfortable and intuitive navigation, thanks to which children can initiate money transfers, undertake and carry out financial challenges set by their parents, top up their phones or set up deposit boxes. Under the tutelage of their parents, the young ones learn practical skills of managing one’s budget and saving money as well as developing orderliness. PKO Junior is the only such comprehensive and innovative offering for children below 13 in Poland and their parents, enabling the financial education of the youngest. With PKO Junior app, they have been provided with a mobile banking solution graded to their age and preferences. Apart from using the basic function of checking the account balance and reviewing the account history, the child can open virtual deposit boxes meant for saving money for specific purposes and initiate money transfers (the transfer function can be enabled or disabled by the parents) and phone top-ups, which are always approved by a parent in the iPKO online service. The mobile banking app for the young ones is the first solution of its kind in Poland.