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Banking M&A integration

Hidden deal accelerators

In today’s accelerating banking M&A landscape, early attention to technology and data can be a powerful differentiator. As regulatory expectations shift and approval timelines tighten, bringing tech leaders into the process sooner helps set the stage for a smoother Legal Day 1 and faster conversion.

While deals were taking longer to close in the past, timelines are now tightening. The key? Initiating integration planning well before the closing date.

Banking transactions: Sign-to-close timelines

Why tech and data matters in M&A

Accelerated and robust data and technology planning for both Legal Day 1 and conversion can have a large impact on the fate of the overall transaction. There are three principal reasons behind this assertion.

Technology represents a significant share of one-time integration costs, and delays make it harder to meet strategic and cost targets. Early, deliberate planning for data and technology can shorten the journey from announcement to full conversion.

IT drives more than half of the synergies in many banking M&A deals, yet full integration often takes years. Prioritizing early tech and data integration accelerates value realization and helps avoid prolonged timelines.

A mismanaged data conversion can quickly cascade into outages across ATMs, digital channels, call centers, and branches. Strong up-front planning helps prevent these disruptions and protects customer trust throughout integration.

Strategies for effective data and tech M&A planning

Drawing on lessons from numerous completed transactions, Deloitte has developed tested, repeatable planning techniques to help realize streamlined integration, accelerate synergy capture, and minimize customer disruption.

The power of planning ahead in M&A

In the rush of priorities that follow an M&A announcement, it’s easy for technology and data needs to fall out of focus—but they often determine whether a deal ultimately delivers on its promise. Prioritizing tech and data integration during the sign-to-close window sets the foundation for a seamless Legal Day 1 and fuels the long-term benefits organizations are aiming for: lower integration costs, faster synergy capture, stronger customer experiences, and reduced risk. As banking M&A activity intensifies, the lesson is clear—value is created not only by the strategy of the deal, but by the foresight applied to the work behind the scenes.

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