Creation of “Mid and Back Office” Shared Services to Improve Efficiency and Compliance

Challenge A major international bank operating in multiple markets was faced with tightening margins, flat-lining economic activity, and unsatisfactory productivity ratios. Each of the bank’s operations was standalone, with branches carrying out the majority of their own mid- and back-office functions. Regulation differs and is evolving in each of the bank’s markets, making it increasingly complex to stay up-to-date and ensure compliance.

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Remediation of Consumer Loan Portfolio in Response to Economic Crisis

Challenge A leading bank was suffering unusually high levels of retail loan delinquency, which spiked above 20% during an economic downturn. Lending staff were rewarded on the basis of loan volume rather than quality while most loan underwriting and all collections were done solely at the branch with minimal audit.

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Comprehensive Analytics to Transform Balance Sheet Risk Management

Challenge A second-tier bank with a strong multichannel platform that was focused on the mid- to low-income retail and SME market enjoyed a decade of rapid growth during a buoyant economy. While the bank’s credit and market risk management capabilities successfully kept pace with its expansion, its efforts to manage interest rate risk, liquidity, and profitability resulted in divisionally siloed solutions: a clear vulnerability as it entered a more uncertain period for economic growth and interest rates.

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Digital Subsidies using Biometric Identity

Challenge The Ministry of Agriculture and Rural Development in a West African nation needed to strengthen security, reduce corruption, and improve delivery of agricultural vouchers to subsistence farmers. However, most of the target segment lived off-grid with neither mobile data nor electricity and possessed limited identity documentation.

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Design & Implementation of Omni-channel Digital Sales for Global Top 50 Bank

Challenge A market-leading bank with multiple business lines—including deposits, secured and unsecured credit, payments, investments, and insurance—had siloed digital channels that created an uneven customer experience and a poor sales environment. The bank aimed to improve efficiency, increase sales, and hold onto its market share vs. both traditional rivals and emerging fintech challengers.

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New Digital Payments Strategy & Regulations for an African National Bank

Challenge A national bank in a region where financial services players were racing to embrace digital technology urgently needed to create an efficient and well-regulated payments ecosystem that accorded with global best practices and standards.

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Digital Omni-Channel Transformation for a Global Top 50 Bank

Challenge A major international bank, with operations in 22 countries, needed to significantly improve customer experience and increase efficiency in order to maintain good profitability in a challenging revenue environment.

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