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Converge by Deloitte

Power up to modern banking

Your customer needs regulatory responsibilities, competitors are changing, fast.

Modernise 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.

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.

 

 

Welcome to the new model

A different approach for digital banking

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.

DISCOVER OUR APPROACH

  • 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

  • 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 organisation 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.

 

 

Modernise your business

Achieve your long-term modernisation goals whilst still realising 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.

Solutions to unlock growth

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 customisation, 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 customise. 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 customisable 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 optimise 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 optimise 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.

 

 

Launch new digital propositions

For Retail and Small Business Banking

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.

 

 

Design

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 organisations 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.

 

 

Build

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.

 

 

Launch

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.

 

 

Scale

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.

 

 

Digital transformation that delivers tangible value

Transformation is hard. We see Financial Services organisations who have repeatedly and consistently struggled to effect meaningful change across their business and technology estate, while the world is moving around them, and their competitors are overtaking. We've designed our value-based transformation approach to tackle this head-on: identifying the highest value opportunities for your organisation and 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, providing a simpler investment commitment. Using the modernisation solutions we’ve already built, we can help you establish foundational capabilities quickly, and in the right order for your business – scaling up as your confidence builds.

 

 

Buy? Or build?

 

Say hello to the new model
We believe there's a better way
 

The expense and risk of building everything in-house, or the inflexibility of single vendor solutions? For too long banks have been pushed into making this difficult choice. We believe those days are over.

 

Where you don’t waste time on table stakes
 

Sometimes buying makes sense. After all, why reinvent the basics of digital banking? Our curated ecosystem of fintechs have been tried and tested, and we’ve done the heavy lifting for you. 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. Where we’ve found gaps between what’s out there, and what you need to succeed, we’ve built out own software – saving you thousands of hours of development effort.

 

Where you have the freedom to choose
 

With an orchestration layer built into each of our capabilities, you remain in control. There’s no vendor lock-in. Change the flow, swap providers, configure in multiple different ways to make it yours. There’s no rigidity, no forcing you into buying an extra 20 features when you only need one. Take as much or as little as you need, and then refine it to make it uniquely yours.

Where your energy is spent on what really matters.
 

If you buy for table-stakes, you should build for differentiation. That’s why we’ve designed our software to help you make quick progress towards your goals but with the freedom and flexibility to extend and make your own. We want you to spend less time figuring out the fundamentals, and more on what really matters: setting your business apart. So, with access to the best of our strategy, design and engineering talent, you can focus your build efforts on the differentiating features that make the difference. Where we build together, we’ll support you to develop new skills, and own your new capabilities over time. After all, it’s your business and your vision, and you should own your future.

Welcome to the new model.
 

No more binary choice of buy or build. We believe you can have the best of both. Streamline your design, build, operate and maintenance costs. Access leading industry innovation quickly. All without compromising on flexibility, control and differentiation where it matters most.

 

 

The BankingSuite platform

A modern, composable banking platform to help you build new digital capabilities and products at pace.

Choose individual capabilities to modernise specific parts of your business or take the full stack to build new digital retail or small business banking propositions quickly.

 

 

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 organisation 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.

 

 

 

10 Countries live

42 fintechs integrated

775

BIAN Informed API endpoints

35

3rd gen core implementations

A modern, composable platform to help you build new digital capabilities and products at pace

Benefits for your business

Grow

Save

Flex

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.