The integration of e-grocery and ready-to-eat food delivery into banking apps is radically changing the frequency of service usage. From a financial tool, the app transforms into a daily assistant that covers the user’s basic needs.
Blockers and barriers to service development:
- The gap between the banking interface and the actual customer experience (issues with couriers, cancellations, refunds).
- Navigation complexity: attempting to embed a grocery catalog into a financial app often overloads the interface.
- Fierce competition with specialized delivery services that offer deeper personalization.
How to overcome barriers (Recommendations):
- Creating a dedicated e-com contour within the app with autonomous order tracking and smart catalog search (without overloading the financial interface).
- Automating chargebacks and instant refunds to the bank card upon order cancellation to increase customer trust.
Summary: Food delivery grows the DAU (Daily Active Users) metric like no other service, but it requires fintech players to build strong logistics expertise that goes beyond traditional banking.
These are insights from a study on user behavior in Kazakhstani financial ecosystems by Rocket Tech.
