NCBA Now Banking App streamlines account opening, payments, foreign exchange, loans, investments, and secure financial management for customers.
It has become important for Kenyan banks to reduce the amount of friction once someone logs in to their bank app. The NCBA Now app has been built with that in mind, with the aim of reducing how often its customers have to think about banking, with their multilayered platform
Digital onboarding
First off, the app makes it is easy to open an account, only taking minutes. You simply download the app from the Google Play Store or Apple App Store. After that, you enter yor personal details, you then upload your ID, complete a selfie verification and then you submit. After all this you ‘’ get approved and then you account will be activated instantly,
What this means, you don’t need to take time off your day or schedule a specific day to get to the bank. Signing yup and having an account take minutes so anyone can open their account right from their smartphone – this can abe a first time time customer, a student, a freelancer, a returning diaspora or anyone in between commitments
This is important since it means the bank is meeting its prospective customers wherever they are.
Making mobile payments
One feature that makes the NCBA Now app stand out is how they have collapsed paying for government services, merchant payments, paying utilities or doing personal transfers all into a single flow.
As a customer, this means that you can pay for eCitizen services, KRA taxes via iTax, water bills, internet subscriptions, electricity tokens, school fees, buying airtime, expressway tokens and ultimately Lipa na MPESA merchants(Tills, Bills and Pochi) without ever leaving the app. This reduces the amount of steps you need to take when making daily or routine transactions.
All this ensures that making payments don’t interrupt your day as they become background tasks.
Seamless and secure foreign exchange
For years, relationship managers have gatekept foreign exchange treating it a special service that needs branch visits. The NCBA Now app has FX NOW which normalizes currency access. Customers can buy and or sell foreign exchange at preferential rates right on their smartphones. What you get is that FX now stops being an event but a tool for Kenyans
returning home, frequent travellers, small crossborder traders, and remote workers who get paid in foreign currency.
Having direct access to FX on your smartphone in the NCBA app means that currency exchange becomes accessible and easily manageable.
More than just transactions – borrowing and investing
The app goes beyond just payments and transactions. You can apply for digital loans such as Loop products, personal loans and salary advances. Besides this is the fact that there are repayment tracking and early repayment options are also available right next to the loan and their options are not buried deep in the app.
If you go the other route and want to invest and grow your money, the app supports unit trusts, fixed deposits, money market funds(MMF) and treasury bonds. Alongside them is portfolio performance, maturity timelines and interest accrual. All these features make sure that investing is visible and transparent and customers can go ahead and make iterative financial decisions.
Security
The NCBA NOW app puts the security of its customers at the fore front with features that reinforce privacy like biometric logins, card controls, real time alerts and the option to hide account balances.
Account monitoring feature sit together with card management such as bill payments and PIN changes. And if you need support, you can reach out to the bank’s digital channels embedded in the app such as phone, email or WhatsApp. Branch and ATM locations are also easily accessible in the app.
It is worth noting that the app’s security and privacy design assume that trust is maintained through consistency.
Banking that fits you
The good thing about the NCBA Now app is that its more of a financial operating layer instead of being an extension of the bank. The app is for customers who are local, travelling, running businesses, managing households or doing all of the above.
The NCBA NOW App now functions less like a mobile extension of a bank and more like a financial operating layer. It supports customers who are local, traveling, running businesses, managing households, or balancing all of the above.
The app’s embedded features such as digital account opening, eCitizen payments,investment tracking to FX meansthat tasks are compressed to one interface instead of multiple platforms.
As we begin a new year, it is important to choose a banking app that adapt to your way of life instead of the other way especially where time is concerned.
With the NCBA NOW app, you get to experience banking built on momentum and not interruptions. Download or update the app on Google Play Store or Apple App Store.
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