Raiffeisen SmartMarket

Raiffeisen Bank is one of Romania's largest banks, serving millions of retail customers. SmartMarket is its loyalty app: a marketplace of cashback, discounts, and rewards that spans everything from the local coffee shop to international retailers. It's the kind of product a bank hopes its customers open for fun, not just to check a balance — a reason to come back, tied to a partner network that keeps growing.

A loyalty ecosystem has a lot of moving parts — the bank on one side, a specialist loyalty vendor supplying the underlying rewards engine on the other, and hundreds of merchant partners in between. Someone has to own the thing in the middle: how the product actually works for the person holding the phone, and how every screen looks and behaves. That was our mandate. Turn a capable rewards engine into a product customers love, and give it a design language coherent enough to scale to hundreds of partners without falling apart.

We sat between the bank and the loyalty-solution vendor, owning product and design. On the product side, we defined how the whole thing works: the end-to-end flows for discovering offers, earning and spending cashback, collecting and redeeming points, joining campaigns, and browsing a partner catalogue that grew past 200 merchants across travel, fashion, dining, electronics, beauty, and more. Every journey — from first open to redeemed reward — was ours to shape.

On the design side, we built the design system that holds it all together: a component library and visual language that let the app add partners, campaigns, and categories without the experience fragmenting. One coherent product across iOS and Android, translating a complex ecosystem of bank, vendor, and merchants into something that feels simple in the hand.

In three years SmartMarket grew to 200+ partners and more than 1,000,000 users, holding a 4.8+ average app rating the whole way — and it was named Best Customer Loyalty Program. Proof that a bank's loyalty app can be a genuinely good product, not a checkbox. SmartMarket has since been folded directly into Raiffeisen's Smart Mobile banking app, carrying the product and design foundations we built into the bank's core experience.