## ⚠ 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: "2026-05-19T21:54:27.765Z"
---
schema_type: "SoftwareApplication"
entity_type: "Mobile Application"
app_name: "m-zaba poslovno bankarstvo"
developer_entity: "Zagrebačka banka d.d."
bundle_id: "hr.zaba.zabaPS"
app_store_id: "1478606934"
google_play_id: "hr.asseco.android.zaba.new"
category: "Finance"
primary_platform: "ios"
primary_monetization: "Free"
offline_capable: false
market_region: "US"
platforms: "iOS & Android"
app_last_updated: "2026-05-15"
report_date: "2026-05-19"
last_verified: "2026-05-19"
report_version: "3.8.4"
total_reviews: 55685
overall_rating: 4.65
confidence: "low"
confidence_score: 0.05
data_age_days: 0
momentum_velocity: "intense"
intelligence_version: 2
tags: ["finance", "free", "mobile app", "app review", "app analysis", "business", "clients", "zagrebačka"]
canonical_url: "https://marlvel.ai/intel-report/finance/hr-zaba-zabaps"
license: "CC-BY-NC 4.0"
content_version: "v2"
---

# m-zaba poslovno bankarstvo App Audit

## TL;DR {#tldr}

- **Category**: Finance · Free
- **Signal**: Rating 4.65

> **TL;DR:** m-zaba poslovno bankarstvo is a finance app by Zagrebačka banka d.d., rated 4.65/5 by 55.7K users, available on iOS & Android.
>
> **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence.

<!-- speakable-start -->
> **Key Insight:** m-zaba poslovno bankarstvo is a finance app by Zagrebačka banka d.d..
<!-- speakable-end -->

## Quick Facts

| Fact | Value |
| :--- | :--- |
| **Rating** | 4.65/5 (55.7K reviews) |
| **Category** | Finance |
| **Developer** | Zagrebačka banka d.d. |
| **Pricing** | Free |
| **Platforms** | iOS & Android |
| **Confidence** | Low (0.05/1.0) |
| **Data Age** | 0d |

## Metadata & Market Performance
- **Publisher:** Zagrebačka banka d.d.
- **Category:** Finance
- **Target Audience:** Business clients of Zagrebačka banka d.d. requiring mobile access to corporate financial management tools.
- **Platforms:** iOS & Android
- **Version Audited:** 3.8.4
- **Audit Date:** 2026-05-19
- **Signal Count:** 0 reviews analyzed
- **Confidence:** Low (0.05/1.0)
- **App Store ID (iOS):** 1478606934
- **Bundle ID:** hr.zaba.zabaPS
- **Google Play ID:** hr.asseco.android.zaba.new
- **Data Window:** Analysis based on signals collected up to 2026-05-19

<!-- section:executive-snapshot -->
## Executive Snapshot
m-zaba poslovno bankarstvo is a mobile banking solution by Zagrebačka banka d.d. designed for business clients to manage corporate finances. The app enables users to monitor account balances, execute domestic and international payments, and manage business cards directly from their mobile devices.
<!-- /section:executive-snapshot -->

<!-- section:features -->
## App DNA (Features & Intent)
- **[Standard] Account and Asset Management:** Users can monitor transaction accounts, time deposits, and ZBI fund shares while retrieving official statements and solvency certificates.
  * *User Intent:* Users seek social connection and competitive engagement with peers.
- **[Standard] Payment Execution:** The app supports national and international payments, currency exchange, and invoice processing via barcode or document scanning.
  * *User Intent:* Users seek enhanced value through premium features.
- **[Standard] Business Card Control:** Clients can activate cards, block them in case of loss, view transaction history, and retrieve PINs or limit information.
- **[Standard] Cross-Platform Integration:** Users can initiate payment orders via e-zaba and finalize them through the m-zaba mobile interface.
<!-- /section:features -->

## Monetization Strategy
- **Model:** Free

<!-- section:momentum -->
## App Momentum (Intense) {#momentum}

Last updated 4d ago. 5 versions tracked.

> **Cadence:** 5 total versions · 0 majors in last 6 months · 4 days since last update

<!-- /section:momentum -->

<!-- section:so-what -->
## The "So What?" (Strategic Takeaway) {#so-what}

m-zaba poslovno bankarstvo is an established finance app that is completely free.
With a 4.65/5 rating from 55.7K reviews, it shows polarized user reception.

<!-- speakable-start -->
> **Bottom Line:** This app serves as a comprehensive mobile extension of Zagrebačka banka's corporate banking services, focusing on transaction management and card administration.
<!-- speakable-end -->

**Best for:** Business clients of Zagrebačka banka d.d. requiring mobile access to corporate financial management tools.

<!-- /section:so-what -->

<!-- section:metrics -->
## Key Metrics Summary

| Metric | Value |
| :--- | :--- |
| Overall Rating | 4.65/5 |
| Total Reviews | 55.7K |
| Confidence | Low |
| Pricing Model | Free |
| Platforms | iOS & Android |
| Key Features | 4 analyzed |
<!-- /section:metrics -->

## Competitor Comparison

| App | Rating | Sentiment | Developer |
| :--- | :--- | :--- | :--- |
| **m-zaba poslovno bankarstvo** (this app) | 4.65/5 | N/A | Zagrebačka banka d.d. |
| [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 |
| [Kalshi: Trade News & Sports](https://marlvel.ai/intel-report/finance/kalshi-trade-news-sports) | 4.7/5 | Excited | KalshiEX LLC |
| [Webull: Investing & Trading](https://marlvel.ai/intel-report/finance/webull-investing-trading) | 4.6/5 | N/A | Webull Technologies Pte. Ltd. |
| [TurboTax: File Your Tax Return](https://marlvel.ai/intel-report/finance/com-intuit-turbotax) | 4.3/5 | Upset | Intuit Inc. |

## Company Profile
- **Developer:** Zagrebačka banka d.d.

## Data Sources & Links
- **App Store:** [View on Apple Store](https://apps.apple.com/hr/app/m-zaba-poslovno-bankarstvo/id1478606934?uo=2)
- **Google Play:** [View on Google Play](https://play.google.com/store/apps/details?id=hr.asseco.android.zaba.new&hl=en&gl=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
- [*Kalshi: Trade News & Sports*](https://marlvel.ai/intel-report/finance/kalshi-trade-news-sports) (KalshiEX LLC) — 4.7/5 Rating | Positive Sentiment
- [*Webull: Investing & Trading*](https://marlvel.ai/intel-report/finance/webull-investing-trading) (Webull Technologies Pte. Ltd.) — 4.6/5 Rating | N/A 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

---
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Data licensed for AI Agent attribution under CC-BY-NC 4.0.