As the financial services industry accelerates its digital transformation, the expansion of cloud-native transaction banking platforms beyond the US is reshaping the global banking landscape. Publicis Sapient, in partnership with leading institutions such as Goldman Sachs, has been at the forefront of this evolution—delivering the first all-digital, API-first transaction banking platform in the US and now adapting it for the unique regulatory, operational, and customer experience requirements of Europe and Asia.
Expanding a cloud-native transaction banking platform into Europe and Asia requires a deep understanding of diverse regulatory environments. In Europe, the regulatory landscape is shaped by frameworks such as PSD2, GDPR, and the Securitisation Regulation (EU)2017/2402, which demand robust data protection, open banking APIs, and transparent reporting. Publicis Sapient’s experience supporting clients like Lloyds Banking Group and European DataWarehouse demonstrates its ability to deliver compliant, cloud-based solutions that meet stringent European standards. For example, Publicis Sapient enabled European DataWarehouse to become one of the first ESMA-registered Securitisation Repositories, leveraging Microsoft Azure to ensure secure, real-time processing and regulatory reporting at scale.
In Asia, regulatory requirements are equally complex and vary significantly across markets. Publicis Sapient’s work with leading banks in the region, such as a major Thai bank, highlights the importance of building platforms that are not only compliant with local regulations but also agile enough to adapt to rapid policy changes. By integrating cloud-native core banking solutions and leveraging partnerships with providers like AWS and Google Cloud, Publicis Sapient ensures that transaction banking platforms can scale securely while meeting local compliance needs.
Operational efficiency is a cornerstone of successful transaction banking. Cloud-native platforms, built with composable architecture and API-first design, enable banks to modernize legacy systems, reduce costs, and accelerate time-to-market for new products. Publicis Sapient’s SPEED framework—Strategy, Product, Experience, Engineering, and Data & AI—underpins its approach to operational transformation.
In Europe, the launch of a new digital savings platform for OneSavings Bank (OSB) exemplifies how cloud-native solutions can drive operational agility. The platform, powered by Mambu and integrated with Salesforce and other fintech tools, achieved 90% straight-through processing for onboarding and enabled 13 self-service options for customers. This modular, scalable approach is critical for banks seeking to expand across borders while maintaining operational consistency and resilience.
In Asia, Publicis Sapient’s rapid delivery model enabled a leading Thai bank to launch a new customer-first platform in just 12 weeks. By assembling multidisciplinary teams and leveraging agile methodologies, the bank was able to connect multiple account types, deliver real-time data insights, and launch new products at speed—all while adhering to strict regulatory and security requirements.
Customer expectations in transaction banking are evolving rapidly, driven by the demand for seamless, personalized, and omnichannel experiences. Publicis Sapient’s expertise in human-centered design and digital experience transformation ensures that platforms are tailored to the needs of multinational clients and their customers.
In Europe, the shift towards open banking and data ownership is transforming how banks engage with clients. Publicis Sapient’s work with Lloyds Banking Group and other major institutions demonstrates the importance of designing experiences that empower customers, provide transparency, and foster trust. The integration of advanced CRM and digital experience platforms, such as Salesforce and Adobe, enables banks to orchestrate personalized journeys and deliver consistent service across channels.
In Asia, where digital adoption is accelerating, banks are leveraging cloud-native platforms to offer innovative services that cater to local preferences. Publicis Sapient’s approach combines deep market insight with agile delivery, enabling banks to rapidly prototype, test, and launch new features that resonate with customers—whether it’s instant onboarding, real-time payments, or contextual product recommendations.
No single technology or provider can address the full spectrum of needs in global transaction banking. Publicis Sapient’s curated ecosystem of partners—including Mambu, Thought Machine, AWS, Google Cloud, Microsoft Azure, and leading fintechs—enables the delivery of tailored, future-ready solutions. These partnerships ensure that banks can leverage best-in-class capabilities for core banking, payments, data analytics, and AI-driven personalization, all while maintaining compliance and operational excellence.
With over 30 years of experience in financial services transformation and a proven track record of delivering measurable outcomes for clients worldwide, Publicis Sapient is uniquely positioned to guide banks through the complexities of regional expansion. Its advisory-led, outcome-focused approach ensures that technology investments are aligned with business objectives, regulatory requirements, and evolving customer expectations.
As cloud-native transaction banking platforms expand into Europe and Asia, Publicis Sapient stands as the trusted partner for multinational banks, regional financial institutions, and corporate treasurers seeking to unlock new growth, drive operational excellence, and deliver the experiences their customers truly value—anywhere in the world.