Banking

We help businesses design plans that drive continuous growth and build business models that address new challenges, always combining ambitious goals with practical steps to achieve them. As entrepreneurs at heart, we fully embrace the objectives we help our clients set.

Using advanced data analytics, we identify untapped business opportunities that align with growth strategies. By leveraging the Group’s data and models, we help banks uncover hidden potential in customer needs and behaviors, turning that insight into actionable value.

We guide banks through complex transactions, offering expertise to help them transition to integrated, forward-thinking business models.i.

We help banks spot new opportunities in technology and market expansion, assisting them in evaluating their potential and formulating strategies to bring them to life. We also support banks in harnessing the business benefits of both technological and regulatory changes.

We design the future of products, pricing models, and offerings, starting with the needs of target customers and the bank’s unique value proposition. Our strategies are aligned with the bank’s profitability goals, and we share the value generated.

We create exceptional customer experiences by designing services and interactions that create positive impact for each customer segment. We map sophisticated customer journeys, leveraging the full potential of omnichannel distribution models.

We build open business ecosystems for non-financial services, enhancing the bank's distribution and product assets. We develop integrated, targeted platforms and can act as a business partner throughout the process.

We guide industry players in shaping the future of wealth management, reimagining investment tools and advisory services, and innovating distribution and service models for clients with more complex needs.

We support the evolution of commercial banking by leveraging our deep understanding of the corporate market and business dynamics, backed by the Group’s data ecosystem.

We design expanded offerings within welfare ecosystems, building service platforms that enable banks to become key players in addressing the needs of families and businesses while capturing significant business benefits.

We design data-driven credit strategies by leveraging the unique information assets of our Group. We integrate forward-looking approaches in credit models and industry outlooks, enabling more accurate assessment of client ris

We assist banks in transitioning from traditional credit models (Originate to Hold) to Originate to Distribute models (e.g., SPVs, joint ventures, and securitizations), enabling them to capitalize on new business opportunities while better managing risk.

We integrate artificial intelligence and advanced analytics into credit assessments for both performing and non-performing loans. We help banks refine their rating models, scoring systems, early warning signals, and recovery strategies.

We design and implement fast lending models and platforms to enhance efficiency and customer satisfaction, while maintaining accuracy in risk management.

We assist banks in adopting a strategic view of the digital economy, with a roadmap for organic, progressive transformation. We prioritize initiatives based on the tangible benefits they bring to customers and their potential to generate returns on innovation investments.

We consider open banking and banking-as-a-platform as opportunities to expand offerings beyond financial services, capturing new customer segments through alternative distribution platforms.

We design and implement data-driven strategies, leveraging expertise in artificial intelligence and advanced analytics. We create data models that uncover hidden business value from the relationships between different data ecosystems.

We rethink end-to-end banking processes and operational areas by harnessing digital solutions.

We embed digital transformation at the core of the business, applying Agile and Lean methodologies to manage transformation, from individual projects to broader organizational models.