Author: Vitězslav Košina

Mobile devices, mobile technology and mobile applications are widely different. Every now and then, we see Android smartphones of various designs and sizes that are extensively used mainly for communication, entertainment, and sharing in social networks. In business, we come across legendary iPhones and iPads with advanced applications often tailored to the needs of a particular company. Windows Phones are gradually creating their segment in the mobile market. The spectrum of mobile platforms is even wider and a variety of using mobile devices is broad as well.

Entertainment and business are only two out of many aspects of mobility. Mobile devices are also of considerable practical importance. They are able to meet specific user requirements at the right time and place. Thus, mobile applications become the right hand in finance (smart banking) and insurance.

Think, for instance, of the mobile application Pojišťovna for an insurance company. It is a case of value added insurance services, a new channel to customers, an interactive communication tool, and a useful helper in crisis situations such as traffic accidents. The hybrid extension of the Pojišťovna application allows for the search of contracted services. The developers applied an innovative approach focusing on user-friendliness while minimizing the need of additional adjustments and costs associated with future updates. This part of the application for a Czech insurance company is developed by the IBA CZ team.

Usable application may be of help to everyone
Application Pojišťovna (Insurance Company) is available not only for the clients of Česká Pojišťovna. Anyone interested in practical assistance in crisis situations is able to download it. The number of downloads is the best evidence that it makes good sense to have the application and that it brings real benefits to its users. Currently, more than a hundred thousand users run the application on their mobile phones. And the download continues, as well as the app’s gradual improvement and its enhancement with new features.

Certainly, the application is available for download from the App Store and Google Play. It is possible to get the app for Android, iOS, and Windows.

Relevant help, no need to click to another application
Mobile application Pojišťovna provides much more than just a quick and easy access to information about products and services of Česká pojišťovna. As a bonus for current and future clients, the application offers assistance when in a car accident, when looking for contractual services or places of interest (including contacts and opening hours). Technical solution involves a combination of generally known mobile applications and a website built on the Liferay technology. The result is a hybrid application that is used as an easy-to-manage web application. The user does not need to visit the website because all the functions are controlled directly from the mobile application.

To view a website through the mobile application, the so-called Webview components are used. All standard operating systems are nowadays equipped with them. The benefit of this solution for the application owner is a significant reduction of time-to-market when deploying new or editing existing content in the mobile application and thus potential cost savings. In fact, the deployment is not subject to a regular release cycle of mobile applications (up to several days for iOS), yet it is subject to a regular web publication activity. In extreme cases, it can take a couple of minutes. At the same time, the website owner doesn’t have to maintain and publish several versions of the app (iOS, Android, Windows Mobile) when making changes in the content.

This technological approach may not be suitable for all mobile scenarios. However, for a selected set of scenarios it can significantly save costs and time of publishing new content in mobile applications.

Mobile web: advantages in many situations
Depending on the position context, a mobile application can provide relevant information associated with the situation. In case of Pojišťovna, it will specify the closest branch offices or available points of service. In case of the Bene+ loyalty program, it is the list of current rewards and discounts offered by GE Money Bank to its loyal customers.

Bene+ is a GE credit card loyalty program and is another example of using mobile web to increase customer comfort. In addition to general information about the loyalty program, the participants of Bene+ immediately get the list of places where their discounts and bonuses can be used and see their locations on the active Google maps.

Unlike the Pojišťovna application, Bene+ is not a genuine mobile application, it is a full responsive website. It is available for mobiles and desktops, although technically it is a different solution. The thing they have in common is that both the part of mentioned Pojišťovna application and Bene+ website are created by the IBA CZ development team and are built on Liferay technologies.