Power up
to modern
banking
Your
customer needs
regulatory responsibilities
competitors
are changing, fast.
We’re living in a new digital era for banking. One that offers limitless opportunities – whether you’re looking to grow your customer base, reduce your operating costs, or transform your entire business model. But navigating the journey can feel overwhelming. And when it feels as though there are an infinite set of decisions to make, where do you start? We can help you break down that complexity and reduce thousands of decisions into the few that really count.
Modernize your business, launch a new digital proposition, or build a digital bank from the ground up, with Converge by Deloitte. For retail and small business banking.
A different approach for digital banking
Welcome to the new model
We believe there’s a better way to achieve your digital vision. One where you’re not forced into either buying or building all the technology you need, but where you get the best of both. Flexibility, control and competitive edge, without compromising on cost transformation and pace.
In the new model, we’ve done the heavy lifting on foundations – developing the software you need to move towards your goals quickly and cost effectively, but with the freedom to refine, extend and make it your own. By combining this with our extensive delivery experience, industry insight and best-in-breed ecosystem, our approach means you can spend less time figuring out the fundamentals, and more on what really matters: setting your business apart.
Experience, methodologies and research
Real experience delivering digital transformation for banks all over the world, the latest customer research, and methodologies honed through lessons learned. Backed by the strength and technical experience of an organization that's worked with the biggest names in financial services for decades.
Curated ecosystem
Our curated ecosystem of best-in-breed fintechs has been tried and tested, and we've done the heavy lifting for you. Pre-configured integrations, orchestrated to work for your specific use cases and all assembled in a way that lets you scale cost effectively.
BankingSuite
Our modern, composable banking platform integrates the ecosystem with our own cutting edge software and fills the gaps between what’s out there, and what you need to succeed – helping to save you thousands of hours of development effort. Everything we’ve built is flexible for you to extend, refine and make your own.
Solutions to unlock growth
Modernize your business
Achieve your long-term modernization goals while still realizing value for your business quickly. Our set of retail and small business banking solutions have been designed to work together and independently, giving you lots of options for where you choose to start. All underpinned by our BankingSuite platform.
Experience
Meeting the demands of digital first customers is not easy. When it comes to UX, banks face a no-win choice: ‘renting’ customer experience from providers that limit customization, or scaling large teams to build from the ground-up. We think it’s time to re-write the model, eliminating the trade-offs and giving banks the best of both worlds.
Introducing Experience by BankingSuite: a product framework underpinned by Flutter that builds on years of Deloitte studio research on design and experience and saves you thousands of hours of development effort. We’ve taken care of the new standards for experience that your customers have come to expect, with all the technical foundations needed for today’s modern digital apps ready to go, and a full inventory of pre-built journeys for you to customize. Best of all, you have the flexibility to build on top – focusing your effort on the differentiated features that are authentic to your brand and valuable to your customers.
Digital Onboarding
Deliver the best first impression to your customers with a seamless, user-friendly onboarding experience. Our Digital Onboarding platform for retail and small business banking connects pre-integrated ecosystem leaders, allowing you to orchestrate your chosen combination into industry standard and customizable journeys. Increase customer satisfaction, accelerate account opening time, and quickly see and respond to risks.
Digital Lending
Fast-track your lending transformation journey and unlock exceptional customer experiences, streamlined operations, and informed decisions with Digital Lending. Our Digital Lending platform allows you to gain insights into your customers, tailor compelling propositions, and enhance their end-to-end experience through an engaging, automated, and robust customer journey. Reporting and analytics are central to the platform, empowering you to generate actionable portfolio insights and optimize your risk and pricing models.
Digital Payments
Deploy, integrate, and launch an end-to-end payments facility quickly. Our streamlined Digital Payments platform helps you to go toe-to-toe with modern payments processes in market, offering a seamless, secure, and fast experience for your customers. Designed with the latest payments architecture at its core and with modern fraud-prevention technology built in, our plug-and-play Digital Payments platform leverages pre-configured modules to enable you to assemble new payment processes based on your needs, from payment initiation to execution.
Next Generation Core Systems
Next Gen Core Systems deliver scale and speed at the heart of your bank, but we know first-hand that implementation is complex. With extensive experience in implementing third-generation core banking engines such as 10x, Mambu, Temenos and Thought Machine, and with pre-configured cores ready to go, we help you understand the options, plan an approach, and navigate the journey. Whether you want to launch your first Edge play, want to better optimize co-existence or are ready for full migration, we have the right capabilities to get you there.
Platform Engineering
Running new digital capabilities and services on the cloud is complex. Security is paramount. As is scalability. You need to meet peak periods of user demand but not pay for more than you have to. You need to ensure your infrastructure services meet industry standards within an environment that allows developers to quickly deploy new releases with confidence. We’ve designed our Fabric platform to take care of this heavy lifting for you. Our series of pre-configured modules and tools provide a modern cloud platform that forms the bedrock for your new digital capabilities.
Meeting the demands of digital first customers is not easy. When it comes to UX, banks face a no-win choice: ‘renting’ customer experience from providers that limit customization, or scaling large teams to build from the ground-up. We think it’s time to re-write the model, eliminating the trade-offs and giving banks the best of both worlds.
Introducing Experience by BankingSuite: a product framework underpinned by Flutter that builds on years of Deloitte studio research on design and experience and saves you thousands of hours of development effort. We’ve taken care of the new standards for experience that your customers have come to expect, with all the technical foundations needed for today’s modern digital apps ready to go, and a full inventory of pre-built journeys for you to customize. Best of all, you have the flexibility to build on top – focusing your effort on the differentiated features that are authentic to your brand and valuable to your customers.
Deliver the best first impression to your customers with a seamless, user-friendly onboarding experience. Our Digital Onboarding platform for retail and small business banking connects pre-integrated ecosystem leaders, allowing you to orchestrate your chosen combination into industry standard and customizable journeys. Increase customer satisfaction, accelerate account opening time, and quickly see and respond to risks.
Fast-track your lending transformation journey and unlock exceptional customer experiences, streamlined operations, and informed decisions with Digital Lending. Our Digital Lending platform allows you to gain insights into your customers, tailor compelling propositions, and enhance their end-to-end experience through an engaging, automated, and robust customer journey. Reporting and analytics are central to the platform, empowering you to generate actionable portfolio insights and optimize your risk and pricing models.
Deploy, integrate, and launch an end-to-end payments facility quickly. Our streamlined Digital Payments platform helps you to go toe-to-toe with modern payments processes in market, offering a seamless, secure, and fast experience for your customers. Designed with the latest payments architecture at its core and with modern fraud-prevention technology built in, our plug-and-play Digital Payments platform leverages pre-configured modules to enable you to assemble new payment processes based on your needs, from payment initiation to execution.
Next Gen Core Systems deliver scale and speed at the heart of your bank, but we know first-hand that implementation is complex. With extensive experience in implementing third-generation core banking engines such as 10x, Mambu, Temenos and Thought Machine, and with pre-configured cores ready to go, we help you understand the options, plan an approach, and navigate the journey. Whether you want to launch your first Edge play, want to better optimize co-existence or are ready for full migration, we have the right capabilities to get you there.
Running new digital capabilities and services on the cloud is complex. Security is paramount. As is scalability. You need to meet peak periods of user demand but not pay for more than you have to. You need to ensure your infrastructure services meet industry standards within an environment that allows developers to quickly deploy new releases with confidence. We’ve designed our Fabric platform to take care of this heavy lifting for you. Our series of pre-configured modules and tools provide a modern cloud platform that forms the bedrock for your new digital capabilities.
For Retail and Small Business Banking
Launch new digital propositions
Take the best of Deloitte across strategy, research, and design, and power it with our BankingSuite platform to design, build and scale new digital products and experiences that your customers will love across retail and small business segments.
Our job is to help you get to value faster—but building quickly is only a fraction of the equation. We’ve taken lessons learned helping organizations innovate to shape a methodology that helps you avoid common pitfalls. We help you get closer to customer needs, assess what business goals are viable, and evaluate what’s possible from a technology perspective. Together we’ll find the sweet spot that lets you achieve your ambitions and grow your bottom line.
With the BankingSuite platform providing the foundational building blocks, we can help you build at pace. We bring a curated ecosystem of cutting-edge technology partners, complete with pre-built integrations, our own software to fill in identified gaps, and a modular, composable architecture that allows you to pick, choose, and assemble quickly.
Backed by the creative capabilities of Deloitte Digital and our full-service ad agency, we help you build a comprehensive go-to-market approach across brand, marketing, product, and operations so you’re ready to execute your product launch with impact.
We don’t just stop at your product release. We’re committed to your long-term success and can support you in running your new product as you scale. Need ongoing marketing capabilities as you scale customer acquisition? Digital product team support with maturing the product as you iterate on new launches? We can be your team behind the scenes for as long as you need us—running the new proposition on your behalf until you’re ready to take over.
Our global experience
Millions of hours
learning and crafting.
All yours in an instant.
We help banks all over the world on their digital transformation journeys. We know the best fintechs in the business—and we know their limits. After spearheading thousands of implementations, enabling countless customer experiences, and building hundreds of capabilities, we know what it takes—and we’ve built that experience into our modern, composable banking platform: BankingSuite.
We are financial services specialists, engineers, product developers and creatives. Backed by an organization that’s been working with the biggest names in financial services for decades. Whatever the challenge, we’ve been through it before. We have the battle scars. We know how to help.
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10
countries live
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42
fintechs integrated
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775
BIAN Informed API endpoints
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35
3rd gen core implementations
The Bankingsuite Platform
A modern platform for modern banks
BankingSuite is the modern, composable platform that underpins how we deliver for you. Software that helps you get to your goals quickly but with the flexibility to extend, refine and make your own. You can choose from individual capabilities to modernize specific parts of your business, or take the full stack to build new propositions quickly.
Benefits for your business
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1
Grow
Accelerate market offerings and grow revenue.
With BankingSuite, we save you thousands of development hours enabling you to bring new innovative products and services to market in months, not years. We’ll get you to an MVP quickly so you’re earning revenue as you build out your proposition.
Enhance reach & retention.
Build experiences your customers love with distinctive user-centric features and intuitive UI design out-of-the-box, and the ability to build differentiating features on top that are authentic to your brand and valuable to your customers. Increase customer acquisition and retention by making self-service easy, giving nudges to improve financial well-being and rewarding your customers’ loyalty with meaningful personalization.
Access the best fintech players.
BankingSuite is designed to be your gateway to a curated ecosystem of cutting-edge technology companies that have been tried and tested. Integrations are pre-configured, orchestrated to work for your specific use cases, and set up in a way that allows you to scale cost effectively. Our composable architecture means you can also plug and play with your own providers.
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2
Save
De-risk your investment.
Skip the painful learning curve and leverage the experience we’ve gained delivering digital transformation for banks all over the world, as well as the investment we’ve made in the building blocks to accelerate your journey.
Reduce cost to serve.
Make the most of your resources and drive new efficiencies with access to composable architecture, reducing operational expenses, capital expenditure, and contractual obligations.
Unlock value at every turn.
Our approach is designed to identify the highest value opportunities for your organization, using these as drivers for long term transformation. We’ll help you map out the various routes to achieving your goals, and once we know the right direction for you, we’ll pick one step to take at a time, focusing on delivering value for your business incrementally throughout your journey.
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3
Flex
Composable architecture.
We designed BankingSuite to be composable so you have the flexibility to pick and choose what fits your unique needs. Change the flow, swap providers, configure in multiple different ways to make it yours. There’s no rigidity, no trapping you into buying an extra 20 features when you only need one. Take as much or as little as you need.
Own your future.
Our approach is to build with you and everything we build together, you can control. You’re not locked into individual vendors, giving you the freedom to evolve your capabilities over time. If it’s more efficient for your business, we offer services to operate and run your new capabilities until you’re ready to take over.
Custom build when you need it.
With BankingSuite, you don’t have to spend time building table stakes. You can focus your build efforts on the differentiating features that make the difference. Where you need support, you’ll have access to the best of our strategy, design and engineering talent to help you do this.
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4
Secure
Protect against cyberthreats.
With security built in, BankingSuite can help you ensure that you have the right controls in place to provide the highest level of privacy and to protect your company’s and your customers’ data against cyberthreats.
Meet compliance obligations.
Our experience in navigating risk and regulation means we’re committed to facilitating complete adherence to CISO and regulatory requirements.
Stay up to speed.
Industry standards and new cyberthreats are constantly evolving, so our specialist cloud engineering teams are on call to support and upskill your team where required. We can help you evolve your controls, giving you ongoing resilience against threats.
Insights
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Perspectives
Breaking ground without breaking the bank
Time to read: 7 minutes
Explore how Converge™ by Deloitte BankingSuite can help organizations break ground without breaking the bank.
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Perspectives
Complying with CFPB rule 1033
Time to read: 10 minutes
Prepare for the CFPB’s 1033 rule, which will empower consumers and redefine data sharing standards—ensure your financial institution is ready to adapt and thrive!
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Perspectives
The heart of your bank
Time to read: 10 minutes
Billions of people use digital banking services every day, driving a pressing need for banks to modernize their underlying core and data systems to enable more seamless and engaging customer experiences. Learn how Convergeᵀᴹ by Deloitte BankingSuite and AWS are helping prepare organizations for the future by delivering next-gen solutions today.
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Perspectives
3 principles for driving inclusion with embedded finance
Time to read: 7 minutes
This article explores how financial services organizations can enhance their offerings for underserved customers, such as the underbanked and the underrepresented, by applying three principles: elevating financial access, embedding education and support, and intentionally designing products and experiences.
Get started
Want to discuss your digital strategy or see a demo of the BankingSuite platform?
Let’s connect
Gys Hyman
General Manager, ConvergePROSPERITY
Principal, Deloitte Consulting LLP
Sarah Huey
BankingSuite Go-To-Market Leader
Senior Manager, Deloitte Consulting LLP