The Challenge

For over three decades, a leading financial institution in Moldova has served more than a million clients, blending professional service with steady digital growth. But one gap remained –  sending money abroad still meant waiting in line. Customers wanted instant transfers from their phones, not paper slips and branch visits.

The bank’s leadership saw this as the next logical step in its digital transformation: to make international transfers as simple and secure as domestic ones.

The challenge wasn’t just technical. It was behavioral –  convincing users to trust a mobile process for something that used to happen across a counter.

The Build –  Designed for Trust and Adoption

1. Building the Foundation for Scale

Itera Research joined the project as a technology partner to lead mobile development, UX design, and quality assurance. Together with the bank’s digital agency, the team defined a mobile-first architecture tightly integrated with the core banking system.

Every connection –  from API gateways to enterprise service buses –  was built for long-term scalability, regulatory compliance, and high availability.

2. Experience That Teaches Itself

To help users adapt quickly, Itera designed a simple, guided flow. Transfers could be completed in minutes, supported by videos, contextual hints, and step-by-step onboarding.

Each interaction was tuned to different levels of digital literacy –  making sure even first-time users felt in control.

The goal wasn’t just a smooth interface; it was confidence.

3. Security That Builds Confidence

International transfers demand complete trust. Itera’s engineering team built a security layer that went beyond compliance  encrypted channels, secure collaboration with multiple money transfer systems, and automatic verification of transactions before execution.

This reliability helped shift perception: users began seeing digital transfers as safer and faster than branch visits.

4. Human Support, Digital Core

To drive adoption, technology wasn’t left alone. Bank staff were trained to demonstrate the service in branches and assist customers during onboarding.

This hybrid approach –  digital-first, human-assisted –  bridged the trust gap and accelerated early adoption.

The Outcome

Eight months after launch, the bank had a new success story in its portfolio.

• 4× increase in international transfers
• Major reduction in paperwork and printing costs
• Noticeable drop in staff time spent on manual transactions
• Higher profitability through reduced operational expenses

More than the metrics, the shift marked a mindset change –  from transactional banking to accessible, experience-driven service. The digital channel became a new growth engine.

Tools & Technologies

• Native app development
• API gateways
• Enterprise Service
• CI/CD tools
• NoSQL databases

The Bigger Picture

For Itera Research, this project was about changing habits. When a trusted financial brand adopts mobile-first thinking, it sets a precedent for how technology and human experience can evolve together.

The success reaffirmed a belief we hold across all projects: meaningful transformation happens when technology feels natural, not forced.