Taiwan Business Bank’s Senior-Friendly APP - The Most Considerate for the Strong Generation Qorus-Infosys Finacle Banking Innovation Awards 2025- Nominated

Design Philosophy： In response to the aging trend of our customer base, Taiwan Business Bank remains customer-centric, focusing on the "Strong Generation" (aged 55 and above), who account for 40% of our loyal customers. Through big data analysis, we identified pain points in their usage of the standard mobile banking APP, such as small fonts, excessive text, and complex workflows, which often deterred their willingness to use digital services. Data also showed that Strong Generation customers primarily use query-based functions in mobile banking. Consequently, in late July 2024, Taiwan Business Bank led the industry by launching Taiwan’s first exclusive "Taiwan Business Bank’s Senior-Friendly APP - The Most Considerate for the Strong Generation", tailored for this demographic to ensure they dare to use, can use, know how to use, and want to use it, fully embodying the Bank’s digital experience core values.

Product Features： 1. Pre-Use Feature Introduction: The homepage includes a "Pre-Use Feature Introduction". Before Strong Generation customers use the Senior-Friendly APP, the system automatically displays an introduction to help them clearly understand its features. 2. Simplified Homepage: Big data analysis shows that nearly 70% of Strong Generation customers most frequently use "query" functions. Thus, the Senior-Friendly APP places the most-used features on the homepage, simplifying complexity with large images, fonts, and buttons. At the bottom, the i-Money intelligent voice assistant enables financial services via voice commands, addressing the pain point of "overly complex interfaces" for Strong Generation users. Fonts and numbers are enlarged to minimize visual clutter. 3. Customizable Greetings: Users can modify their displayed name (e.g., "Ms. Chen", "Xiao Zhang"). Once set, the name appears upon the next login and can be edited anytime. 4. Easy Account Name Editing: In the account overview interface, fonts and numbers are enlarged, and customers can edit account names based on usage purposes or personal preferences. 5. Transaction Categorization & 2-Year Query Window: The Senior-Friendly APP thoughtfully allows customers to query NTD transaction details from the past two years, with "transfers out" and "transfers in" separately categorized for easier reconciliation. 6. Quick Screenshot Shortcut for Transaction Details: Transaction details include a quick screenshot shortcut at the bottom-right corner of the screen, allowing one-tap screenshots for hassle-free use. The "Return to Transaction Details" button is displayed with an orange background and centered text, making it easily identifiable for Strong Generation users. 7. Fall Detection & Emergency SOS: Taiwan Business Bank specially designed the "Fall Detection & Emergency SOS" feature. Customers only need to set up emergency contact information. When using the Senior-Friendly APP, the feature automatically activates, demonstrating the Bank’s commitment to digital inclusivity for Strong Generation customers. Step 1: Complete emergency contact setup. Step 2: When logging into the Senior-Friendly APP, if the system detects a fall, an emergency SOS window pops up, allowing the customer to choose "Call Emergency Contact Immediately" or "I’m Fine". Step 3: If the customer does not respond within 60 seconds, the system automatically sends an SMS to the emergency contact, truly meeting the needs of Strong Generation users.  This feature received a utility model patent in September 2024 for "Master-Slave Architecture System for Fall Detection via Mobile Banking APP". 8. Industry-Leading Anti-Fraud Settings: To enhance the Strong Generation’s awareness of financial fraud, Taiwan Business Bank strengthened security measures in the Senior-Friendly APP. Customers can set a "transfer amount alert threshold". If a transfer exceeds the preset amount, the system automatically displays a fraud warning. For transfers to unrecognized recipients, the system offers quick access to the 165 Anti-Fraud Hotline or emergency contact verification, preventing elderly fraud. Step 1: Enable anti-fraud settings. Step 2: Set an alert amount. If a transfer exceeds this amount, a fraud warning appears. Step 3: The warning prompts the customer to confirm whether the recipient is known or unknown. Step 4: If the recipient is unknown, the system provides quick access to the 165 Anti-Fraud Hotline or emergency contact verification. 9. Proactive Care Notifications: Based on customer context, the APP delivers care reminders three times daily (morning, noon, evening), such as lunch reminders or nighttime suggestions to ensure proper lighting for eye protection.  This feature received a utility model patent in September 2024 for "Device for Proactive User Care Based on Operation History" and an invention patent in April 2025 for "Device and Method for Proactive User Care Based on Operation History". 10. Instant Version Switching: Strong Generation customers are prompted to switch to the Senior-Friendly interface before logging into the standard mobile banking APP. Alternatively, once logged in, they can switch versions with a single click from the top-right corner of the homepage.  This feature received a utility model patent in September 2024 for "System for Adaptive Interface Adjustment for Elderly Users". 11. Expanded Service Menu: The menu features large images, fonts, and buttons with intuitive icons, helping Strong Generation users easily locate functions. Customers can also switch to the standard version from the menu or use the i-Money voice search at the bottom. 12. Intelligent Voice Assistant - i-Money: The Senior-Friendly APP places the i-Money voice assistant at the center-bottom of the homepage. Clicking i-Money activates voice commands for financial services such as Find (navigation), Check (query), Set (settings), Transfer (remittance), and Pay (bills). This allows Strong Generation customers to complete transactions verbally, eliminating branch visits or complex steps. 13. Message Notification Services: The APP integrates PUSH notification services and folder categorization, combining four digital notification services: PUSH notifications, SMS, Email, and Line BC, with over 30 notification types. Tailored services for the Strong Generation include NTD deposit account debit/credit alerts, transfer/bill payment reminders, and real-time credit card transaction notifications. A "Do Not Disturb" mode can be set to silence push notifications from 10 PM to 9 AM for uninterrupted rest.