Digital Transformation Across
European Banking Groups

Six CXO’s share their bank’s digital strategy and how to get there.

 

 

Backbase@2x - Digital Transformation Across European Banking Groups

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The race for digital is heating up

The introduction of new technology combined with the COVID-19 crisis accelerated the need for speedy digital banking services , with consumers throughout Europe demanding new innovative features from the banking industry. So far, we’ve seen:

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digital adoption rate in Europe, which jumped from 81% to 95% during the COVID-19 pandemic.
(Source - McKinsey, May 2020)

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of Europeans engaging with digital banking services on a regular basis.
(Source - Mastercard, June 2019)

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of Europeans are considering switching to a digital bank.
(Source - Mastercard, June 2019)

About the Report

With COVID-19 accelerating the adoption rate of digital banking services among both retail and business customers, banks can no longer remain complacent. The current times force them to speed up their digital transformation journeys across their geographical footprint in Europe.

Banks need to create a unified digital banking experience, but with different customer demands and regulations across Europe, it’s nearly impossible to create one coherent user journey for everyone. The solution appears to be ‘platform-approach,’ a shared technology stack where banks can create one seamless customer journey that’s easily adaptable to every country. This way, the journey only needs to be built once before it can be deployed everywhere.

This report, carefully curated in collaboration with the Banker, reveals how the top decision makers from leading banks across Europe have designed their digital strategy, and how they’ve overcome the challenges of a multi-country digital transformation.

Download the Report

About the Report

With COVID-19 accelerating the adoption rate of digital banking services among both retail and business customers, banks can no longer remain complacent. The current times force them to speed up their digital transformation journeys across their geographical footprint in Europe.

Banks need to create a unified digital banking experience, but with different customer demands and regulations across Europe, it’s nearly impossible to create one coherent user journey for everyone. The solution appears to be ‘platform-approach,’ a shared technology stack where banks can create one seamless customer journey that’s easily adaptable to every country. This way, the journey only needs to be built once before it can be deployed everywhere.

This report, carefully curated in collaboration with the Banker, reveals how the top decision makers from leading banks across Europe have designed their digital strategy, and how they’ve overcome the challenges of a multi-country digital transformation.

Download the Report

Learn how to tackle your digital transformation across multiple countries through practical insights from industry peers

Claire Calmejane

CIO, Société Générale

“Legacy systems need to be progressively replaced or adapted to enable the integration required to deliver our vision of a seamless and simple client experience across products and borders, and enriched client services.”

Gianfranco Bisagni & Niccolò Ubertalli

co-CEOs, UniCredit

“Our infrastructure is based on standard units where each country chooses which ones to use. So, we fully leverage on economies of scale across our countries, while delivering a service that is adapted to each local market.”

Sonja Sarközi

CEO, Sberbank Europe

“We are building a single platform to support our customers’ digital banking experience across all channels and all countries. The keywords are ‘customer experience’: our clients should be able to expect the same level of quality, innovation, transparency and competence wherever they approach us.”

Kristina Siimar

Head of Products and Offerings, Luminor Bank

“Luminor is entering the next phase of its digital transformation strategy, where new harmonised and uniform digital channels will be introduced across the Baltic markets for both online and mobile banking.”

Tibor Johancsik

Deputy CEO, OTP Bank

“We aim for our customers to be able to access our services whenever they like and in the easiest way possible which requires constant refinement of our channels. This highly responsive process is enabled by our agile transformation and the launch of a significant IT transformation programme.”

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