UX case study: Payments on the go with Bank of Georgia & Mastercard.

Bank of Georgia HCE Wallet, a white label NFC payment system

A brief history of Bank of Georgia

JSC Bank of Georgia is the leading Georgian bank. It offers a broad range of retail banking, corporate banking and investment management services.

As of 31 December 2015, Bank of Georgia served approximately 2 million client accounts through one of the largest distribution networks in Georgia, with 266 branches, the country’s largest ATM network, comprising 746 ATMs, 2,589 Express pay (self-service) terminals and a full-service remote banking platform and a modern call centre.

The Challenge

They wanted us to create HCE Wallet payment system to simplify transaction processes with the development of mobile technology. Host card emulation (HCE) is a technology that emulates a payment card on a mobile device using only software.

This approach offers technical and business benefits to a wide range of mobile industry stakeholders that want to be active in the near field communication (NFC) payments ecosystem. It is a feature of the mobile operating system that allows for the secure element to be present outside the mobile device.

Quick, Simple and Easy!

Bank of Georgia & Mastercard collaboration enabled to offer cloud-based mobile payment application. TSK App is a customizable white label product to supply its telecommunication and banking companies to offer its customers a seamless NFC payment experience.

Second iteration wireframes by Zeynep B.

The Methodologies

In this project, we’ve focused on user context. We’ve moved the physical credit card usage to the mobile version. According to the field research that we’ve done and user journey maps, user context was the main object for the project.

The Results

In the first six months, HCE Wallet system was downloaded by 300.000 clients. For the first time, Georgian clients used this technology and started to carry out payments with their mobile phones.

We tried to kept everything simple, and customizable.

“Bank of Georgia went through a significant business transformation in terms of our mobile payment, with a huge emphasis towards the mobile channel.HCE wallet has been instrumental in helping us build simple mobile payment for Georgian clients.” -David Birman, CDO, Bank of Georgia.

TSK App promo video

Thanks for your time!




Award-winning user experience designer and working for Expedia Group, London.

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Furkan Akbayrak

Furkan Akbayrak

Award-winning user experience designer and working for Expedia Group, London.

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