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.
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
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
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.
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.
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.
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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.
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42 fintechs integrated
BIAN Informed API endpoints
3rd gen core implementations
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.
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 personalisation.
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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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.
Make the most of your resources and drive new efficiencies with access to composable architecture, reducing operational expenses, capital expenditure, and contractual obligations.
Our approach is designed to identify the highest value opportunities for your organisation, 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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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.
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.
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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