Building Better Banking Relationships

Products Used

API and Integration


Asia Pacific


Financial Services


Employees respond

to customer inquiries 50% faster

100+ APIs available

for reuse have helped the development team speed their innovation

Faster expansion into new markets

facilitated by an API-first architecture


Traditional banks face growing competition from financial technology firms, banking as a service, and embedded finance from non-banking businesses. However, Yoma Bank is well-positioned to thrive in this new environment. The fastest-developing private bank in Myanmar is on a mission to change the dynamics of traditional banking into a landscape that delivers more for people. An early provider of mobile banking, Yoma Bank has also pioneered many of Myanmar's digital banking initiatives, such as automated lending platforms that seamlessly integrate into its SMART banking application. By deliberately investing in its people and governance as well as technology, the bank has built a solid reputation in the community while forging both local and international connections.

Recently, Yoma Bank embarked on a digital transformation initiative to speed the bank's pace of innovation and create seamless experiences for clients and advisors alike. To support this effort, Yoma Bank relies on the API-first integration provided by WSO2 API Manager.


WSO2 API Manager has played a vital role as a key enabler in our digital transformation journey. It has provided us with affordable access to enterprise-grade features and substantially reduced our time-to-market."

Aung Myo Aye

Head of Architecture Office

Yoma Bank


Yoma Bank had a clear vision of how a unified view of each customer across the business would lead to seamless experiences for clients, provide insights to drive customer-focused innovations, and improve bank employees' responsiveness and productivity. However, with 20-plus siloed IT systems in place, the organization faced serious roadblocks to turning this vision into a reality.

On one hand, the bank's business users were unable to quickly access crucial customer and market data. On the other hand, development teams lacked access to critical data and had little visibility into each other's work or ongoing projects. This led to repeated and inefficient operations that hindered innovation.


To realize its vision for customer-centric banking that delivered best-in-class experiences, Yoma Bank established four goals:

  • Digitize onboarding procedures and improve developer productivity by automating and integrating siloed legacy systems.
  • Build a single customer view to improve financial advisor productivity by integrating legacy data with cloud and on-premises systems.
  • Connect siloed systems so sales, support, and marketing teams can obtain a 360-degree view of clients and prospects.
  • Deliver a personalized experience by creating accessible data for marketing teams to develop campaigns that shift to a digital-first relationship with customers.

Yoma Bank recognized that the most effective way to achieve these objectives would be to implement an API-first architecture.


Yoma Bank has utilized WSO2 API Manager to expedite the provision of consistent customer experiences on a global scale, eradicate redundant procedures and repetitive tasks, and enhance data accessibility. Using WSO2’s software, the bank was able to seamlessly integrate 20-plus siloed systems through more than 100 APIs in just one year, as well as catalog the APIs to standardize access and promote reuse among development teams. Yoma Bank also took advantage of WSO2 API Manager analytics to further improve reuse and streamline operations.


Exceptional customer service:

Since using WSO2 Manager to integrate the bank's systems, employees have gained a 360-degree view of each customer. As a result, sales and client support representatives can respond to customer inquiries 50% faster while improving their quality of service. Moreover, direct marketing efforts can now be tailored to meet the individual needs of clients, leading to greater success for employees and higher satisfaction for customers.

Faster innovation:

The ability to reuse the 100-plus APIs created and managed by WSO2 API Manager has helped Yoma Bank's development team to innovate new and enhanced digital services faster with less effort.

Easier business expansion:

The API-first architecture powered by WSO2 API Manager has allowed for smoother system integrations during mergers and acquisitions, empowering Yoma Bank to more easily expand into new markets.


BIM Group of Companies

Initiated and assisted this project.

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