Skandinavisk Data Center

eBanking 2.0




SDC, Skandinavisk Data Center, handles the development of eBanking solutions for more than 100 Nordic banks – including Lån & Spar Bank, BankNordik and Saxo Bank.

SDC has developed a white label eBanking solution, which from a common core of functionalities is adjusted and rebranded for the individual bank. The solution is originally developed for desktop, but separate mobile and tablet solutions have since been developed.

When SDC came to us, they presented us with two challenges:

1. Is it possible to develop an eBanking solution, purely based on HTML5, which can be used across mobile, tablet and desktop?

2. How would we design the next generation of eBanking, if it were to generate more value for both customers and banks?


Mikkel Jespersen

The average bank customer has a counselling meeting every 5th year, but uses e-Banking 161 times a year



We accepted the challenge and started developing concepts and exploring possibilities. Our work included a trend analysis of the financial sector, personal interviews with key employees in 18 Nordic banking institutions, a survey with participation of a broader selection of employees, qualitative interviews with 16 bank customers in Denmark, Sweden and Norway, and a technical analysis of the present platform.

The analysis led us to a number of hypotheses about the future of banking. One of the key conclusions was that customers want services that help them manage their money. Current eBanking solutions primarily describe status and past transactions – they don’t offer any real value in relation to the future.

Customers don't care about their bank, but they care deeply about their money



Based on the hypotheses, we developed an overall concept for eBanking 2.0, which was visualised in a prototype. A business case and a roll-out plan was developed for the solution. After this, we built a prototype, purely based on HTML5.

The solution was developed in just 3 months and proved that it’s possible to create one overall solution, which meets safety requirements and is sufficiently fast, and at the same time costs significantly less to develop.

SDC has subsequently implemented the design concept in an updated eBanking solution, which was deployed in the banks in 2015.


The interaction and navigation principles took inspiration from cards, as they have fundamental characteristics, that are both well-known and useful in a banking app. A card can be turned. And cards can be stacked, sorted and grouped together.