The Z-Mobile Ghana App has been improved with best-in-class biometric authentication (fingerprint and facial recognition) and other user-friendly, convenient, and secure features.

The new app affords customers the opportunity to enjoy a custom dashboard, with an overview of their bank account(s), daily forex rates, initiation of cash withdrawals at any Zenith Bank ATM, without a card, find Zenith Bank branches around them, schedule fund transfers, purchase of airtime and data bundles and set travel notifications.

In addition, the enhanced Z-Mobile Ghana App, enables non-Zenith customers to open an instant account.

Enhancement

The Managing Director (MD) of Zenith Bank Ghana, Anthony Akindele Ogunranti, in an interview with the media in Accra, said the enhancement of the Z-Mobile Ghana App was testament to the bank’s vision to be a reference point in the provision of prompt, flawless and innovative banking services in the Ghanaian banking industry.

He said as a forward-thinking bank, Zenith continues to explore innovative ways of improving its product and service offerings, to create greater convenience for its customers.

He said the bank’s forward-thinking approach has been evidenced by its continued investment in digital solutions and consistent upgrades to existing infrastructure, resulting in a well-rounded and robust suite of products that interact seamlessly with the Zenith Digital ecosystem.

Indeed, he stated that the enhanced Z-Mobile Ghana app lends credence to the expression: the new bank branch was in the palm of customers.

“In addition to the Z-Mobile Ghana App, the bank has provided several financial solutions that cater to the needs of its diverse range of customers, most notably the Zenith Internet Banking platform (individuals and corporates), the bank’s USSD code for EazyBanking.

“Fully cognizant of its responsibilities to safeguard customer assets, adhere to regulatory compliance requirements and preserve its business, the bank has invested heavily in information security, and continuously acquires all PCI DSS, ISO certifications and other security measures to protect and safeguard customer information and interests,” Mr Ogunranti added.

Increasing operational efficiency

Over the course of the last decade and a half, and more especially in the last five years, the narrative has changed, as banks sought to increase operational efficiency, coupled with the intensified financial inclusion efforts by the governments and a high demand for innovative means of payments by financial market participants.

The biggest catalyst for the rapid transition, however, has been the speedy uptick in mobile phone penetration globally and in Ghana, specifically. According to data from the National Communications Authority, (NCA) as at the second quarter of 2021, there were 22.7million smartphone users in Ghana which equates to 73 per cent of the population.

The implication is that a vast number of people can now be served through digital services, positively impacting the growth of the digital economy.

The local digital banking landscape has experienced tremendous change over the last half-decade, due to the aforementioned factors, from internet banking to the use of Unstructured Supplementary Service Data (USSD) codes, to mobile apps and other services.