ELDIK — mobile banking created by people, for people.
- Customer
- Eldik Bank OJSC
- Project manager on the customer side
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- IT Provider
- ElTech
- Year of project completion
- 2025
- Project timeline
- October, 2023 - October, 2025
- Project scope
- 500000 subscribers
- Goals
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The main goal of the ELDIK mobile banking project is to make modern financial services accessible to everyone, regardless of location or social status. As a state-owned bank, ELDIK focuses on social inclusion and equal opportunities by bringing digital banking to people in remote and hard-to-reach regions, senior citizens, people with disabilities, and other vulnerable groups. Through digitalization, we aim to simplify everyday financial interactions, promote financial literacy, and empower citizens to manage their money safely and conveniently — all from their mobile devices. Our mission is to ensure that technology serves people and improves their quality of life.
Key Objectives:
- Expand access to banking services for rural and remote populations through digital channels.
- Create an inclusive and user-friendly experience for people with disabilities and elderly customers.
- Promote financial literacy and digital confidence across all age and social groups.
- Integrate government and social services to simplify daily financial operations.
- Strengthen trust in digital finance by ensuring transparency, security, and accessibility for all.
At ELDIK BANK, we believe that digital progress has real value only when it helps people live better, safer, and more connected lives.
- Project Results
- Since its launch, the ELDIK mobile banking app has reached over 500,000 users and continues to grow rapidly. The platform has expanded access to financial services for people in remote areas, senior citizens, and vulnerable groups. Customers can perform fast and secure transfers via Visa and Mastercard Money Send, SWIFT international payments, and pay government services directly from the app. Integrated payments, loans, deposits, card and account management, and personalized templates have made everyday financial operations simpler and more convenient. By combining technology with social impact, ELDIK has enhanced financial literacy, strengthened trust in digital banking, and empowered users to take control of their finances — creating an inclusive, user-friendly platform that bridges citizens and the digital economy.
The uniqueness of the project
ELDIK stands out as more than just a mobile banking app — it is a gateway to financial inclusion for every citizen. Designed with simplicity, accessibility, and trust in mind, the platform combines a full range of digital banking services within one intuitive ecosystem. Customers can open accounts through remote identification, make instant payments and transfers, manage cards, deposits, and loans, and create personalized templates for everyday transactions. Advanced security tools protect every step, ensuring peace of mind for users. What makes ELDIK truly unique is its social mission — to make high-quality financial services equally available to people in all regions, including those in remote areas and vulnerable groups. It is not just about technology — it’s about creating a digital experience that cares.- Used software
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- microservice architecture
- backend - java spring
- frontend - react, flutter
- Difficulty of implementation
- Implementing the ELDIK mobile banking project posed significant challenges due to its scale and social mission. Reaching users in remote and hard-to-access regions required building reliable digital infrastructure and ensuring stable connectivity. Designing an app that is intuitive for elderly users, people with disabilities, and first-time digital users demanded extensive user testing and accessibility considerations. Integrating a wide range of services — from CORE banking systems to government services — while maintaining high security and regulatory compliance added additional complexity. Despite these challenges, careful planning, strong technical expertise, and a user-focused approach allowed the project to succeed and grow rapidly.
- Project Description
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ELDIK is a next-generation mobile banking platform that brings together a full range of financial and lifestyle services in one unified digital ecosystem. It was created with a clear purpose — to make everyday life simpler and more connected for all citizens, including those in remote areas, senior citizens, and vulnerable groups. The app already provides customers with secure and seamless access to essential financial services — remote identification, account opening, payments and transfers, loans and deposits, card and account management, and personalized templates for recurring transactions. Each function is designed to be intuitive and accessible, ensuring that even first-time digital users can confidently manage their finances.
Building on this foundation, ELDIK is now evolving into a super app — an integrated digital platform that combines financial tools with everyday services. In the next phase, users will be able to access not only traditional banking but also services such as utility payments, mobile top-ups, ticket purchases, travel and insurance products, investment tools, and government-related digital services — all within one app. The goal is to create a single digital environment where users can earn, save, pay, invest, and travel without switching between different platforms. Integration with government and private partners will allow users to handle their daily needs securely and efficiently, while AI-driven personalization will help tailor offers and insights to each customer’s lifestyle.
As a state-owned bank, ELDIK plays a key role in national digital transformation and social development. By combining innovation with accessibility, the project supports financial inclusion, economic growth, and the empowerment of citizens through technology. ELDIK’s vision goes beyond banking — it’s about building a digital bridge that connects people, opportunities, and progress. The super app will not only modernize financial services but also create new ways for people to engage with the digital economy, no matter where they live.
In short, ELDIK is shaping the future of inclusive digital finance — technology created by people, for people.
- Project geography
- ELDIK mobile banking serves users across the country, including remote and hard-to-reach regions, and supports Kyrgyz citizens worldwide, making it easy for them to help family and friends back home. By providing digital access to accounts, payments, transfers, loans, deposits, and government services, the app ensures inclusive financial services for all, bridging gaps between urban and rural areas and empowering users wherever they are.