Bank of Georgia
HCE Wallet- Living Innovation





CLIENT
Bank of Georgia
JSC Bank of Georgia is serving more than 2.5 million customers through the widest network of 267 retail branches, 933 ATMs and 3,217 Express Pay (self-service) terminals, a sales force of more than 3,200 people, along with our diverse products and services. It offers a broad range of retail banking, corporate banking and investment management services.

WHAT WE SOLVED
The Challenge
In order to keep its leadership in the market by improving digital user experience, JSC Bank of Georgia wanted to deliver a simplified transaction process to its 2.5 million customers. To achieve this, Host Card Emulation (HCE) technology was the most suitable solution. HCE allowed emulating a payment card on a mobile device using only software. This approach offers technical and business benefits to a wide range of mobile industry stakeholders that want to be active in the near field communication (NFC) payments ecosystem.
KEY FEATURES
Our Solutions
Simplified Payment Options
Cards and other payment methods in one place.
HCE Wallet
Ease of contactless payment.
Money Order
Effortless money transfer.
Security Upgrade
Strong protection with HCE payment system.
Innovation
Leads the market with technology.
Utility Payments
Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat.

OUTCOME
The Result
Bank of Georgia wanted to integrate it into their mobile banking apps for various advantages. 15% of Bank of Georgia customers started to use the app in the first 6 months as it is first in the market.

Bank of Georgia
HCE Wallet
Learn more about BoG

500.000+
Downloads
Downloads

Increased Customer
Engagement
Engagement

Most Used
HCE Wallet
HCE Wallet
CHIEF DIGITAL OFFICER
David Birman
“Bank of Georgia went through a significant business transformation in terms of our mobile payment, with a huge emphasis towards the mobile channel.HCE wallet has been instrumental in helping us build simple mobile payment for Georgian clients.”