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A revolution in resilience: We help challenger banks thrive amidst uncertainty

Breaking free from the constraints of traditional banking requires the right technology foundation. We’ve worked with innovative challenger banks across Europe and around the world, helping them build the cloud-native, data-rich, and API-driven architectures that power exceptional customer experiences, as well as low-code business solutions to drive efficient banking operations.

"Banking is necessary, banks are not." Bill Gates

Accelerating banking’s transformation

We empower innovators to leverage data and technology to disrupt retail and commercial banking 

In a fast-paced world where you’re competing on digital customer experience, the right technology strategy sets you up for success. If you’re a neobank, challenger bank, or a fintech company, you need robust product development practices and a technology backbone that offers next-generation scalability, resilience, and elasticity—all built on a lean cost base. And you need rock-solid security that your customers can trust.

Taking an agile, cloud-native approach not only makes it possible to go to market faster, but it empowers banking innovators like you to make data-driven decisions, and rapidly adapt technology platforms. This way, you’ll always deliver top-notch experiences to customers.    

We’re experts in building real-time data-driven customer and business experience platforms for our banking and financial services clients, and we’ve walked the path to digital banking success alongside them many times before.

Architecting exceptional customer experiences


  • Hyperpersonalisation

Treat every customer who visits your site like the unique individual that they are. Deliver context-dependent experiences to your customers using real-time data streaming technologies connecting transaction, analytics, and UX layers. This way, every visit can provide the right information to the right customer at the right time.

  • Next best actions

Guide every customer along a carefully curated customer journey that’s engaging and fun. Leverage real-time behavioural and transactional data to optimise time-on-site and digital experiences, with contextual nudges to meet service needs or enable cross selling opportunities.

  • Integrate multiple experience layers

Connect core banking platforms with additional workflow tools and experience-enhancing features to build a composite architecture that makes it easy for your customers to get information, ask questions, and achieve their session objectives.

  • Balance security and user experience

Leverage state-of-the-art identity and authorisation tools and frameworks to provide robust security that’s also frictionless. This way, protecting your customers’ identities and assets doesn’t get in the way of their online experience.

Redefining business processes for efficiency


  • Customer 360° that works for you

Adopt an omnichannel approach that makes it possible for your bank’s sales and customer service teams to deliver exceptional customer experiences at every touchpoint by gathering the right dynamic data on customer preferences, journey flows, and interactions with your CRM and Data Management platforms. 

  • Process re-engineering to balance efficiency and resiliency

Redesign workflows to enable streamlined, straight-through business process automation with a built-in layer of resiliency. This way, white-glove support is only necessary for handling exceptions, and most customers get exactly what they want, when they want it, with no need for human intervention.

  • Highly effective change management

People don’t always welcome transformation, even when the end result is beneficial. We’ll help you introduce new technologies and experiences to your customers and employees by leveraging a “test and learn” agile approach that’s grounded in science-based best practices from risk management. Take advantage of engaging upskill programs from a leading tech training provider, and empower your employees with step-by-step learning journeys that meet them where they are and help them grow their careers.

  • Beyond your core business operations

Whether it’s transforming IT operations or adopting DevOps, SecOps, FinOps, or GreenOps, we have extensive experience reviewing existing processes, technologies, and organisational structures and helping our clients make them more effective and efficient.

 

 

Managing today’s risks and building resilience for tomorrow


  • ESG risk and reporting

Make your business climate-friendly and make sure it’s having a positive impact on its community by collecting and ingesting the right data and advancing your analytics and reporting capabilities. We’ve built a low code configuration-ready ESG accelerator that can help you reach your goals faster.

  • De-risk your cloud and data infrastructures

Ensure that your technology infrastructure is resilient across all the platforms and providers that you rely on by effectively managing the scalability, availability, and performance of your cloud environment. We’ll help you build a right-sized foundation that will continue to meet your business’s needs as you grow.

  • Advance cybersecurity maturity

Implement zero trust-based security architectures by deploying the right tools, educating your employees on cybersecurity best practices, and building robust processes to protect your business, its reputation, and your customers.

 

 

Architecting exceptional customer experiences

Hyper-personalisation

 

Treat every customer who visits your site like the unique individual that they are. Deliver context-dependent experiences to your customers using real-time data streaming technologies connecting transaction, analytics, and UX layers. This way, every visit can provide the right information to the right customer at the right time.

Next best actions

 

Guide every customer along a carefully curated customer journey that’s engaging and fun. Leverage real-time behavioural and transactional data to optimise time-on-site and digital experiences, with contextual nudges to meet service needs or enable cross selling opportunities.

Integrate multiple experience layers

 

Connect core banking platforms with additional workflow tools and experience-enhancing features to build a composite architecture that makes it easy for your customers to get information, ask questions, and achieve their session objectives.

Balance security and user experience

 

Leverage state-of-the-art identity and authorisation tools and frameworks to provide robust security that’s also frictionless. This way, protecting your customers’ identities and assets doesn’t get in the way of their online experience.

Redefining business processes for efficiency

Customer 360° that works for you


Adopt an omnichannel approach that makes it possible for your bank’s sales and customer service teams to deliver exceptional customer experiences at every touchpoint by gathering the right dynamic data on customer preferences, journey flows, and interactions with your CRM and Data Management platforms.

Process re-engineering to balance efficiency and resiliency


Redesign workflows to enable streamlined, straight-through business process automation with a built-in layer of resiliency. This way, white-glove support is only necessary for handling exceptions, and most customers get exactly what they want, when they want it, with no need for human intervention.

Highly effective change management

People don’t always welcome transformation, even when the end result is beneficial. We’ll help you introduce new technologies and experiences to your customers and employees by leveraging a “test and learn” agile approach that’s grounded in science-based best practices from risk management.

Take advantage of engaging upskill programs from a leading tech training provider, and empower your employees with step-by-step learning journeys that meet them where they are and help them grow their careers.

Beyond your core business operations


Whether it’s transforming IT operations or adopting DevOps, SecOps, FinOps, or GreenOps, we have extensive experience reviewing existing processes, technologies, and organisational structures and helping our clients make them more effective and efficient.

 

Managing today’s risks and building resilience for tomorrow

ESG risk and reporting


Make your business climate-friendly and make sure it’s having a positive impact on its community by collecting and ingesting the right data and advancing your analytics and reporting capabilities. We’ve built a low code configuration-ready ESG accelerator that can help you reach your goals faster.

 

 

De-risk your cloud and data infrastructures

 

Ensure that your technology infrastructure is resilient across all the platforms and providers that you rely on by effectively managing the scalability, availability, and performance of your cloud environment. We’ll help you build a right-sized foundation that will continue to meet your business’s needs as you grow.

Advance cybersecurity maturity


Implement zero trust-based security architectures by deploying the right tools, educating your employees on cybersecurity best practices, and building robust processes to protect your business, its reputation, and your customers.

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“Even though Xebia’s knowledge and experience were of key importance, their attitude determined our choice. They invested in our project by spending time with us before even submitting a proposal.”
 
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Wanda Streefkerk Chain and Release Manager

Our experts have decades of experience helping challenger banks and fintech companies achieve digital transformation success

Rajat Gupta

Chief Digital Officer

Atlanta USA

With over a decade of experience in the banking industry, Rajat brings all the right cards to the table. He authored the BI Strategy Roadmap for YES Bank, set up the Business Intelligence Center of Excellence and implemented the complete analytics spectrum from retail banking to asset liability management. 

Michael Parsons

BFSI Expert

United Kingdom / California USA

Michael founded one of the first digital banks in the UK. Sold to Lloyds Bank, Michael works with Enterprise and also SME banks and finance companies on IT and operational projects. He is a member of the Institute of Financial Services.

Shashank Agarwal

Director - Digital BFSI Practice

Delhi, India

Shashank is a seasoned product management professional with a wealth of experience in the technology industry. His area of expertise surrounds not only digital products and solutions but also retail, insurance, financial services, and banking. 

Shubhanga Prasad

Strategy & Product Advisor

London, United Kingdom

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