Digital processes, mobile usage, and connected ecosystems are now standard. As a result, the demand is growing for platforms that combine efficiency, security, and ease of use – while also complying with regulatory requirements. The KOBIL SuperApp OneApp4All™ addresses these needs as a modular, scalable, and audit-proof platform for citizens, companies, public authorities, and developer ecosystems.
This guide explains the technical foundations, regulatory framework, use cases, and strategic benefits for users and developers.

Technical architecture: Modular, secure, and future-proof

The KOBIL SuperApp is not a single application in the traditional sense, but a platform ecosystem that brings together multiple MiniApps on a shared technical foundation. The architecture is cloud-native, service-oriented, and supports open interfaces (APIs), SDKs, and standardized protocols for identity, authentication, and transactions.

Core architectural components

This modular structure provides a foundation on which individual business processes can be implemented securely, flexibly, and extensibly – without silos or isolated solutions.

Value for citizens, public authorities, and companies

For Citizens: An intuitive All-in-One experience

The SuperApp’s user interface is designed to simplify digital interactions – whether for identity verification, forms, bill payments, or digital signatures.

Benefits for citizens:

These features reduce friction, improve usability, and strengthen user trust in digital services.

For public authorities: Efficient, secure, and legally compliant digitalization

For municipalities, state authorities, and public institutions, the KOBIL SuperApp OneApp4All™ offers a practical alternative to isolated specialist applications and individual solutions. It serves as a central digital access layer to public services – without replacing existing IT systems.

Benefits for public authorities:

The SuperApp thus becomes the operational execution layer of administrative digitalization, not just another frontend.

For companies: Efficiency, compliance, and innovation

Companies today face multiple challenges: regulatory requirements (e.g., GDPR, DORA, NIS2), increasing security demands, and the need to offer innovative services. The KOBIL SuperApp OneApp4All™ addresses these challenges on several levels.

Economic and strategic benefits for companies:

Regulatory context: GDPR, NIS2, and DORA

Digital platforms operate in an environment of increasing regulatory requirements. Three regulatory areas are particularly relevant:

1. General Data Protection Regulation (GDPR)

The SuperApp is GDPR-compliant and consistently implements data protection principles such as data minimization, purpose limitation, and user rights. Features like transparent consent management, data portability, and automated deletion concepts support lawful processing of personal data.

2. NIS2 Directive

The NIS2 Directive on network and information security requires appropriate security measures from operators of critical infrastructures. The platform provides technical and organizational building blocks, including risk analysis workflows, security incident monitoring, and reporting functions.

3. DORA (Digital Operational Resilience Act)

DORA requires robust digital operational resilience in the financial sector. The SuperApp infrastructure includes functions for business continuity, incident reporting, and third-party risk management – enabling financial institutions to meet regulatory proof requirements efficiently.

Overall, the platform provides not only technical tools but also documented processes to meet regulatory audit and reporting obligations.

Security of the KOBIL SuperApp OneApp4All™

The KOBIL SuperApp OneApp4All™ is designed from the ground up as a high-security digital trust platform, addressing the security requirements of public administration, financial services, and regulated industries. Security is not an add-on, but an integral part of the architecture – from digital identity and communication to full process traceability.

Core security measures:

Gartner & market positioning

Analyses by leading market research and advisory firms such as Gartner underline the trend toward integrated platforms that bundle identity, security, and transaction services. According to Gartner, platforms that go beyond point-to-point solutions and function as ecosystems are gaining strategic importance: “Digital Trust and Identity Platforms” are becoming a key factor for digital business models. This development aligns with the approach of the KOBIL SuperApp, which combines trust, security, and modular extensibility in a single platform. Gartner lists KOBIL as the only SuperApp provider in Europe.

Best practices: How the SuperApp is used

Best practice 1: Banking – Rethinking digital identity and interaction

The banking sector is under massive transformation pressure. Increasing regulatory requirements (GDPR, DORA, NIS2, anti-money laundering laws), growing cyber risks, rising customer expectations for digital services, and a fragmented app and system landscape are forcing banks to fundamentally rethink their digital architecture.

The KOBIL SuperApp OneApp4All™ offers banks an alternative approach: a secure, regulatorily compliant platform that bundles identity, interaction, transactions, and external services – without banks losing control over the customer interface, data, or business model.

Initial situation: Fragmentation as a risk

Many banks today operate a large number of individual applications and systems:

This fragmentation increases:

The role of the SuperApp for banks

The KOBIL SuperApp OneApp4All™ acts as a central, secure interaction and identity platform for banks, orchestrating rather than replacing existing core banking systems.
The bank remains the owner of the customer relationship while using a platform that already integrates security, identity, and extensibility.

Best Practice 2: How the KOBIL SuperApp digitizes Istanbul

In the metropolis of Istanbul, the SuperApp has been used for many years by more than 6 million residents to bundle numerous municipal services digitally. Citizens can access a wide range of services through a single entry point:

The success of this implementation is reflected in high user acceptance, measurable reductions in administrative costs for the city, and improved process transparency.

Benefits:

Best Practice 3: SuperApp bundles all digital services in Worms

With Worms, a German municipality is for the first time using the KOBIL SuperApp OneApp4All™ as a central digital platform for administration, citizens, and the local economy. The city is pursuing a fundamentally different approach from traditional municipal portals: instead of isolated specialist applications, an integrated digital ecosystem is created that combines identity, services, and communication in a single application.

Initial situation: High complexity, low user acceptance

Like many municipalities, Worms faced typical challenges of administrative digitalization:

Especially in the context of the Online Access Act (OZG) and the upcoming EU Digital Identity Wallet, it became clear that individual specialist applications alone are insufficient to make digital administration usable in everyday life.

The approach: One app as the city’s central access point

Worms uses the KOBIL SuperApp OneApp4All™ as a central access layer for digital administrative services. The SuperApp does not replace existing specialist applications, but connects them via a secure identity and service platform.

Through a unified access point, citizens can:

Registration is based on a verified digital identity that can be reused across services, eliminating multiple registrations.

MiniApps & developer ecosystem: Opportunities for companies

A key element of the KOBIL SuperApp OneApp4All™ is its open MiniApp ecosystem. The SuperApp is not designed as a monolithic application, but as a secure digital infrastructure to which different actors can independently contribute functionality – embedded within a shared identity, security, and governance framework.

MiniApps in the City App: Making local actors digitally visible

In the municipal context, local organizations can provide their own MiniApps within the SuperApp without having to develop a full standalone app. Examples include:

All MiniApps use the same verified user identity and are therefore trustworthy, accessible, and securely integrated.

MiniApps for banks: Extending digital banking services

Banks can also integrate targeted additional services via MiniApps without fragmenting their core banking applications, for example:

The bank retains control over access, data flows, and the user experience.

MiniApps for insurance companies: Simplifying processes, increasing proximity

Insurers can use MiniApps to map customer-centric processes directly within the SuperApp:

The shared identity basis eliminates media breaks and repeated authentication.

Benefits for developers and companies

The ecosystem creates value for all participants: users receive a wide range of services, companies digitize business functions efficiently, and developers unlock new business models.

Value for startups: Fast market access without security and regulatory burden

With the KOBIL SuperApp OneApp4All™, startups and founders can implement their ideas as MiniApps within an established, secure platform – without having to meet complex requirements for digital identity, data protection, IT security, or regulatory compliance on their own. The SuperApp centrally provides these foundations. This significantly reduces development effort, costs, and barriers to market entry. Startups gain direct access to existing user groups without having to build their own user base through costly marketing or slowly establish trust. At the same time, they retain the ability to independently evolve and monetize their services. The platform thus creates a protected innovation space in which new digital services can be tested, scaled, and integrated into real-world ecosystems more quickly.

Conclusion: A platform for the digital future

The KOBIL SuperApp OneApp4All™ is more than a collection of digital tools: it is a comprehensive, secure, regulatorily viable, and economically efficient platform ecosystem. Whether citizens, companies, public authorities, or developers – all benefit from a unified digital infrastructure that combines trust, compliance, efficiency, and innovation.