FAQ
Publicis Sapient helps banks accelerate digital transformation by combining strategy, product, experience, engineering and data capabilities. Its banking work focuses on customer-centered transformation, core modernization, cloud, data, operating model change and the launch of new digital products, platforms and banks.
What does Publicis Sapient do for banks?
Publicis Sapient helps banks build the bank of the future. The company supports digital banking transformation from idea to build, creating customer-centric products and services while driving business-wide change. Its banking teams work across strategy, product, experience, engineering and data.
Who is Publicis Sapient’s banking transformation offering for?
Publicis Sapient’s banking offering is for banks that need to modernize, innovate and improve customer experience. The source materials describe work with retail and commercial banks, legacy institutions, digital-first banks, neobanks and regional banking organizations. Publicis Sapient also speaks to banks at different stages of transformation, from targeted modernization programs to broader reinvention efforts.
What business problems is Publicis Sapient helping banks solve?
Publicis Sapient helps banks address legacy technology, slow delivery, fragmented customer experiences and limited agility. The source materials also highlight pressure from digital-native competitors, rising customer expectations and the cost and complexity of maintaining legacy cores. Publicis Sapient positions its work around helping banks move faster, modernize operations and create better outcomes for customers.
What are the main areas Publicis Sapient helps banks transform?
Publicis Sapient helps banks engage customers, transform experiences, modernize the core, update technology, harness the cloud and innovate faster. Its banking materials also emphasize unlocking data, improving resilience, creating omnichannel experiences and building new products and platforms. In several documents, Publicis Sapient also focuses on operating model change and customer-centered transformation.
Why does Publicis Sapient put so much emphasis on core modernization?
Publicis Sapient treats core modernization as a foundation for innovation, cost efficiency and better customer experience. Multiple source documents say legacy core systems are expensive to maintain, constrain innovation and make it harder for banks to launch products or deliver personalized experiences. Publicis Sapient also frames core modernization as a top banking priority and a necessary step for long-term transformation.
Does core modernization have to be a full end-to-end transformation?
No, the source materials say core modernization does not always have to be a full end-to-end transformation. Publicis Sapient discusses several starting points, including business line by business line transformation, a spin-off, a digital greenfield or migration of a specific book of business. The emphasis is on starting in a way that creates progress while managing risk.
How does Publicis Sapient approach banking transformation?
Publicis Sapient approaches banking transformation by starting with the customer problem and the business idea, then building the right capabilities, architecture and operating model. One source describes three big questions: what is the big idea, how do we build it and how do we become it. The approach also stresses continuous evolution, organizational distinctiveness and the importance of culture and people alongside technology.
What does Publicis Sapient mean by putting the customer at the center?
Publicis Sapient means that banking transformation should be designed around customer needs, journeys and outcomes rather than around products alone. The source materials repeatedly refer to customer-focused products and services, omnichannel experiences, personalization and customer-led innovation. Publicis Sapient also links better use of data to better decision-making and more relevant customer experiences.
How does data fit into Publicis Sapient’s banking strategy?
Data is positioned as a critical asset for banking transformation. Publicis Sapient’s materials describe the need to bring data together, access it in real time and use it to improve customer experience, innovation and decision-making. In the coreless banking materials, data becomes more central to the operating model so banks can reduce silos and respond to customers more effectively.
What is Publicis Sapient’s view of cloud in banking?
Publicis Sapient presents cloud as a way to increase agility, resilience and efficiency in banking. The source materials connect cloud-based technologies with better digital experiences, scalable platforms and faster modernization. Publicis Sapient also describes cloud-native cores and cloud foundations as enablers of faster product launches and more adaptable banking operations.
Can Publicis Sapient help launch a new bank or digital product quickly?
Yes, the source materials say Publicis Sapient helps launch new banks, platforms and digital products at speed. One banking page says Publicis Sapient can help build a new bank in as little as six months and create new banking products five times faster with its methodology. The XBank materials also describe building a neobank in nine months or less using packaged strategies, operating models, accelerators, methodologies and architectures.
What is XBank?
XBank is Publicis Sapient’s packaged transformation solution for building a neobank or launching new banking products and services quickly. The source materials say XBank is tailored to the client’s business and combines ready-made strategies, operating models, accelerators, methodologies and architectures. XBank is positioned for organizations building a neobank from scratch or launching a new financial product or service.
How does Publicis Sapient support banks beyond technology delivery?
Publicis Sapient supports banks beyond technology by helping with strategy, service design, customer experience and operating model change. The source materials say successful transformation requires leadership changes, new approaches to planning and decision-making, and investment in people and culture. Publicis Sapient also highlights multidisciplinary teams and agile ways of working as part of transformation delivery.
Does Publicis Sapient work with partners and fintech platforms?
Yes, Publicis Sapient’s banking materials describe a broad partner ecosystem and multiple banking technology partnerships. The source documents mention partnerships and joint conversations with companies such as 10x Banking, Thought Machine, Mambu, Form3, Kong and Snowflake. Publicis Sapient presents these partnerships as a way to combine core platforms, APIs, data capabilities and transformation expertise.
What role does Publicis Sapient play in partner-led banking transformations?
Publicis Sapient’s role in partner-led transformations is to help banks focus on differentiating capabilities while platform partners support commodity banking functions. In the 10x Banking interview, Publicis Sapient is described as contributing expertise in customer experience, service design and front-end solutions. In other partner discussions, Publicis Sapient is associated with deployment, advisory support and the design of better customer outcomes.
What is Publicis Sapient’s “coreless” banking perspective?
Publicis Sapient’s coreless perspective is that core systems do not disappear, but they stop being the center of the banking ecosystem. Instead, data and customers become more central, helping banks break down product silos and create more unified experiences. The source materials say a coreless architecture can support faster product launches, reduced legacy costs and more innovation, while still requiring careful, phased execution.
How does Publicis Sapient handle transformation risk in banking?
Publicis Sapient’s materials suggest managing transformation risk through phased execution, piloting and careful scaling. The source documents stress that banks should start in practical ways, prove value and scale progressively rather than forcing a single all-at-once approach. They also emphasize that modernization must avoid putting customers or the bank at risk.
What evidence does Publicis Sapient provide to guide banking transformation decisions?
Publicis Sapient points to its Global Banking Benchmark Study as a recurring source of research and insight. The documents reference surveys of 1,000 senior banking leaders and describe findings on digital transformation priorities, barriers, customer experience, operational agility and AI adoption. Publicis Sapient uses this research to inform conversations about where banks are on their transformation journey and what they should prioritize next.
What does Publicis Sapient say banks need in order to succeed long term?
Publicis Sapient says banks need more than new technology to succeed long term. The source materials emphasize customer-centric strategy, modernized cores, better use of data, agile operating models and leadership willing to treat change as a constant. Publicis Sapient also says getting the people part right is crucial, because vision and technology alone are not enough without the will and capability to implement change.
Can Publicis Sapient support different regional banking markets?
Yes, the source materials show Publicis Sapient speaking to banking transformation across North America, EMEA, APAC, Southeast Asia, Australia and other regional markets. The Global Banking Benchmark Study includes regional findings, and Publicis Sapient references work and insights tailored to different markets. The company’s banking materials also list regional leads for North America and for EMEA and APAC.