Rabobank

The Challenge

Rabobank wanted to take mortgage applications fully digital. Customers would start the process in a branch with an advisor and continue independently online, or vice versa. The frontend had to maintain perfect session continuity across channels, perform complex financial calculations client-side for instant feedback, and meet the stringent security and accessibility requirements of Dutch banking regulation (WCAG AA, pen-test sign-off).

My Contribution

Developed the cross-channel mortgage application frontend with multi-step forms, real-time income/debt-ratio calculations, document upload with client-side validation, and progress persistence across sessions and devices. Every form step performed client-side eligibility checks so users got instant feedback instead of waiting for server round-trips.

Worked closely with the Java backend team to design the REST API contract, handled edge cases like session hand-off between branch tablets and home desktops, and ensured WCAG AA compliance throughout.

Key Results

• Mortgage application turnaround reduced by several days through digital self-service
• Seamless cross-channel hand-off between branch and online achieved
• Passed all security pen-tests and WCAG AA accessibility audits on first submission
• Client-side eligibility calculations eliminated unnecessary server round-trips

Technologies Used