KBC's Scan & Start Qorus-Infosys Finacle Banking Innovation Awards 2025

1. Concept and objectives

1.1. Enrolling KBC Mobile on yourChild's smartphone (self-generated QR) 1.1.1.Concept Parents generate a secure QR code from their own KBC Mobile app to activate the app on their child's device - no branch visit or card reader required. 1.1.2. Objectives * empower parents to manage their child's digital banking setup remotely. * ensure a secure, guided, and age-appropriate onboarding process. * encourage early adoption of KBC Mobile among young users.

1.2. Enrolling KBC Mobile via QR code at a branch 1.2.1. Concept Customers who visit a KBC branch can scan a QR code generated by a branch employee to instantly activate KBC Mobile on their device. 1.2.2. Objectives * streamline in-branch onboarding by removing the need for physical card readers. * provide a modern, efficient experience for customers who prefer in-person support. * reduce setup time and improve staff efficiency.

1.3. Enrolling KBC Mobile on a new smartphone via QR 1.3.1. Concept Users switching to a new smartphone can transfer their KBC Mobile setup by scanning a secure QR code from their old device - no manual steps or card reader needed. 1.3.2. Objectives * simplify the migration process for customers. * increase app retention by making reinstallation effortless. * ensure instant and secure access to mobile banking on new devices.

1.4 Unified goals for all three projects * offer fast, secure and user-friendly onboarding. * support digital adoption across all age groups and channels. * reinforce KBC's image as an innovative, customer-first bank. * eliminate reliance on card readers.

2. Reasons behind

2.1. Shared reason: Phasing out physical card readers: like many banks, KBC is exploring the possibility of phasing out the physical card reader. KBC Scan & Start is a significant step in that direction, offering secure, efficient digital alternatives for our customers.

2.2. Enrolling KBC Mobile on your child's smartphone (self-generated QR) * empowers parents to securely set up banking for their children without needing to visit a branch. *promotes financial literacy by making it easier for young users to access digital banking. * enhances convenience with a guided, secure and remote setup process * builds long-term loyalty by introducing KBC Mobile early in a customer's life.

2.3.Enrolling KBC Mobile via QR code at a branch * streamlines in-branch service by reducing setup time and reliance on card readers. * improves customer experience with a fast, modern and intuitive process. * supports digital adoption for less tech-savvy users who still prefer in-person support. * frees up staff time to enable them to focus on more complex customer needs.

2.4. Enrolling KBC Mobile on a new smartphone via QR * eliminates friction when switching to a new device - no card reader, no delays. * boosts app retention by making reinstallation effortless. * enhances security with encrypted QR-based data transfer. * aligns with user expectations for instant, mobile-first experiences.

3. The competition No competitors offer a similar bundle of solutions.

4. Sources of inspiration

4.1. Enrolling KBC Mobile on your child's smartphone (self-generated QR) * parental control platforms (e.g. Apple Family Sharing, Google Family link) which allow parents to manage their child's digital experience remotely. * digital onboarding in education where QR codes are used to set up student devices securely. * growing demand for youth banking and early financial education tools.

4.2. Enrolling KBC Mobile via QR code at a branch * retail and hospitality check-ins using QR codes for fast, contactless service. * banking digitalization trends, especially post-COVID, where branches aim to blend personal service with digital convenience. * customer feedback indicating frustration with card readers and complex setup flows.

4.3. Enrolling KBC Mobile on a new smartphone via QR * device migration tools like Apple's 'Quick start' and Samsung's 'Smart Switch', which use QR or proximity-based transfers. * authentication apps (e.g. Google Authenticator, Microsoft Authenticator) which use QR codes for secure account transfers. * user expectations for instant, seamless transitions between devices.

5. Departments involved * Transform Policy teams * Digital Channels Development teams

6. Main results so far

6.1. Enrolling KBC Mobile on your child's smartphone (self-generated QR) With around 3.000 QR enrollments each month this way, we have seen a clear uptake of minors using KBC Mobile. When a minor starts the enrollment, we clearly provide this option to them. This way the children can ask a QR code from their parents so it is a great way to get parents to discover this feature as well!

6.2. Enrolling KBC Mobile via QR code at a branch Steadily rising each month, currently we enroll around 10.000 users into KBC Mobile on a monthly bases using the QR code at our branches.

6.3. Enrolling KBC Mobile on a new smartphone via QR This functionality was released to customers in November 2024, and the results were nothing short of astonishing. Without any marketing, customers quickly discovered the QR enrollment for their new smartphone. In just one month, we not only met our KPI but exceeded it by a factor 10, with more than 1.000 users per day! This remarkable achievement demonstrates that this feature is not only highly appreciated but also extremely useful and well-received by our customers.