Uno de los cinco principales bancos universales europeos
Reducción del coste de servicio
Nuevos productos digitales
Nuevos clientes digitales
Desafío
El banco perdía clientes a competidores nativos digitales mientras los sistemas core heredados frenaban la innovación y elevaban los costes operativos un 40% sobre la media del sector.
Enfoque
We designed an end-to-end digital transformation roadmap spanning 18 months, replacing monolithic systems with a cloud-native microservices architecture. We established a digital factory with cross-functional squads, introduced advanced analytics for real-time credit decisioning, and redesigned the mobile-first customer journey across retail and SME segments.
Impacto
The bank launched 12 new digital products in the first year, reduced cost-to-serve by 35%, and reversed customer attrition with a net-positive acquisition trend for the first time in four years.