Modernizing retail at national scale: inside MCB's Juice 4.0 migration

MCB holds a unique position in Mauritius - systemically important, roughly 50% retail market share, and a regional presence spanning the Indian Ocean island economies. For hundreds of thousands of retail customers, the bank's app was already part of daily life.  In a market where internet penetration exceeds 79% and digital payments are projected to grow at over 21% annually, MCB's leadership saw the moment to act: replace a product that half the country relied on, rebuild it on a composable platform, and deliver something measurably better.