Um dos cinco maiores bancos universais da Europa
Redução do custo de servir
Novos produtos digitais
Novos clientes digitais
Desafio
O banco perdia clientes para concorrentes digitais nativos enquanto sistemas core legados travavam a inovação e elevavam os custos operacionais em 40% acima da média do setor.
Abordagem
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.