## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- last_verified: "2026-05-20T00:12:13.462Z" --- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "mojaRBA – my finances" developer_entity: "Raiffeisenbank Hrvatska" bundle_id: "co.infinum.rba.eva" category: "Finance" primary_platform: "android" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "Android" app_last_updated: "2026-05-13" report_date: "2026-05-20" last_verified: "2026-05-20" report_version: "9.0.1" total_reviews: 47242 overall_rating: 4.75 confidence: "low" confidence_score: 0.05 data_age_days: 0 intelligence_version: 2 tags: ["finance", "free", "mobile app", "app review", "app analysis", "existing", "prospective", "raiffeisenbank"] canonical_url: "https://marlvel.ai/intel-report/finance/co-infinum-rba-eva" license: "CC-BY-NC 4.0" content_version: "v2" --- # mojaRBA – my finances App Audit ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 4.75 > **TL;DR:** mojaRBA – my finances is a finance app by Raiffeisenbank Hrvatska, rated 4.75/5 by 47.2K users, available on Android. > > **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence. > **Key Insight:** mojaRBA – my finances is a finance app by Raiffeisenbank Hrvatska. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 4.75/5 (47.2K reviews) | | **Category** | Finance | | **Developer** | Raiffeisenbank Hrvatska | | **Pricing** | Free | | **Platforms** | Android | | **Confidence** | Low (0.05/1.0) | | **Data Age** | 0d | ## Metadata & Market Performance - **Publisher:** Raiffeisenbank Hrvatska - **Category:** Finance - **Target Audience:** Existing and prospective Raiffeisenbank Hrvatska customers seeking a comprehensive digital banking solution. - **Platforms:** Android - **Version Audited:** 9.0.1 - **Audit Date:** 2026-05-20 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.05/1.0) - **Google Play ID:** co.infinum.rba.eva - **Data Window:** Analysis based on signals collected up to 2026-05-20 - **Short Description:** Manage your money with ease with mojaRBA mobile banking from Raiffeisen Bank. ## Executive Snapshot mojaRBA is a mobile banking application by Raiffeisenbank Hrvatska that enables users to manage accounts, loans, and savings 24/7. The app facilitates digital onboarding, instant payments, and integrated loyalty program management. ## App DNA (Features & Intent) - **[Standard] Payment Tools:** Includes FotoNalog for barcode scanning and KlikPay for simplified money transfers to contacts. - **[Standard] Buy Now Pay Later:** Allows users to split credit card expenses into 2 to 24 installments directly within the app. - **[Standard] mToken Authentication:** Provides secure login for internet banking, eCitizen access, and online card purchase authentication. * *User Intent:* Users are motivated by consistent progression and daily incentives. - **[Standard] Loyalty and Savings:** Tracks Zlatna RBICA loyalty points and monitors balances in the Raiffeisen Voluntary Pension Fund. * *User Intent:* Users expect intelligent, adaptive experiences that learn from their behavior. ## Monetization Strategy - **Model:** Free ## The "So What?" (Strategic Takeaway) {#so-what} mojaRBA – my finances is an established finance app that is completely free. With a 4.75/5 rating from 47.2K reviews, it shows polarized user reception. > **Bottom Line:** The app serves as a centralized digital hub for Raiffeisenbank clients to handle daily banking, credit management, and authentication services. **Best for:** Existing and prospective Raiffeisenbank Hrvatska customers seeking a comprehensive digital banking solution. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 4.75/5 | | Total Reviews | 47.2K | | Confidence | Low | | Pricing Model | Free | | Platforms | Android | | Key Features | 4 analyzed | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **mojaRBA – my finances** (this app) | 4.75/5 | N/A | Raiffeisenbank Hrvatska | | [Polymarket](https://marlvel.ai/intel-report/finance/polymarket) | 3.3/5 | Upset | Polymarket | | [Fidelity Investments](https://marlvel.ai/intel-report/finance/fidelity-investments) | 4.5/5 | Frustrated | Fidelity Investments | | [Webull: Investing & Trading](https://marlvel.ai/intel-report/finance/webull-investing-trading) | 4.6/5 | N/A | Webull Technologies Pte. Ltd. | | [Kalshi: Trade News & Sports](https://marlvel.ai/intel-report/finance/kalshi-trade-news-sports) | 4.7/5 | Excited | KalshiEX LLC | | [TurboTax: File Your Tax Return](https://marlvel.ai/intel-report/finance/com-intuit-turbotax) | 4.3/5 | Upset | Intuit Inc. | ## Company Profile - **Developer:** Raiffeisenbank Hrvatska - **Website:** [https://www.rba.hr/](https://www.rba.hr/) ## Data Sources & Links - **Google Play:** [View on Google Play](https://play.google.com/store/apps/details?id=co.infinum.rba.eva) - **Dev Site:** [Official Website](https://www.rba.hr/) - **Sources:** App store metadata. ## Related Intel Reports - [*Polymarket*](https://marlvel.ai/intel-report/finance/polymarket) (Polymarket) — 3.3/5 Rating | Terrible Sentiment - [*Fidelity Investments*](https://marlvel.ai/intel-report/finance/fidelity-investments) (Fidelity Investments) — 4.5/5 Rating | Negative Sentiment - [*Webull: Investing & Trading*](https://marlvel.ai/intel-report/finance/webull-investing-trading) (Webull Technologies Pte. Ltd.) — 4.6/5 Rating | N/A Sentiment - [*Kalshi: Trade News & Sports*](https://marlvel.ai/intel-report/finance/kalshi-trade-news-sports) (KalshiEX LLC) — 4.7/5 Rating | Positive Sentiment - [*TurboTax: File Your Tax Return*](https://marlvel.ai/intel-report/finance/com-intuit-turbotax) (Intuit Inc.) — 4.3/5 Rating | Terrible Sentiment - [*hurdlr*](https://marlvel.ai/intel-report/finance/hurdlr) (Reuben Omolu) — 4.3/5 Rating | N/A Sentiment - [*365-day savings plan-Easy Goal*](https://marlvel.ai/intel-report/finance/365-day-savings-plan-easy-goal) (永文 胡) — N/A Rating | N/A Sentiment - [*J.P. Morgan Mobile*](https://marlvel.ai/intel-report/finance/j-p-morgan-mobile) (JPMorgan Chase & Co.) — 4.5/5 Rating | N/A Sentiment - [*rapid! Pay*](https://marlvel.ai/intel-report/finance/rapid-pay) (Green Dot Corporation) — 4.4/5 Rating | N/A Sentiment - [*Shoes Clothing Store Master HD*](https://marlvel.ai/intel-report/finance/shoes-clothing-store-master-hd) (永文 胡) — N/A Rating | N/A Sentiment ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** — Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** — Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** — Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction and evidence quoting. 4. **Competitive Landscape Analysis** — Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** — Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.05/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 0 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/intel-report/finance/co-infinum-rba-eva) Data licensed for AI Agent attribution under CC-BY-NC 4.0.