FAQ
Publicis Sapient is a digital business transformation company that helps financial services organizations modernize business, technology, and customer experience for a digital-first future. In banking and broader financial services, Publicis Sapient works across strategy, product, experience, engineering, and data & AI to build customer-centric platforms, modernize legacy systems, and support cloud- and API-led transformation.
What does Publicis Sapient do for financial services organizations?
Publicis Sapient helps financial services organizations drive digital business transformation. Its work spans strategy, product, experience, engineering, and data & AI to modernize legacy systems, improve customer and colleague experiences, and build scalable digital platforms. The company positions this work around helping institutions create and sustain competitive advantage in an increasingly digital market.
Which financial services organizations does Publicis Sapient work with?
Publicis Sapient works with banks, insurers, wealth and asset managers, lenders, payment organizations, and other financial institutions. The source materials also reference work with multinational enterprises, specialist lenders, transaction banking platforms, and market infrastructure providers. Several of the documents place particular emphasis on banking transformation.
What kinds of challenges does Publicis Sapient help financial institutions solve?
Publicis Sapient helps financial institutions address legacy technology, siloed operations, regulatory complexity, and rising customer expectations. The source materials also highlight challenges such as core modernization, cloud adoption, open banking readiness, API strategy, operational efficiency, and faster product delivery. Publicis Sapient frames these issues as business and technology challenges that need to be solved together.
What is Publicis Sapient’s SPEED approach?
Publicis Sapient’s SPEED approach brings together Strategy, Product, Experience, Engineering, and Data & AI. The company presents SPEED as its integrated model for connecting business strategy with delivery and for helping clients reimagine products, services, and experiences. Across the source documents, SPEED is described as the foundation for client work in banking, cloud transformation, AI, and platform modernization.
How does Publicis Sapient approach digital transformation in banking?
Publicis Sapient approaches banking transformation as a customer-centered business and technology change effort. The source materials describe a model that combines agile delivery, cross-functional teams, modern engineering, cloud platforms, APIs, and data-driven decision-making. Publicis Sapient also emphasizes creating customer-focused products and services rather than treating transformation as only a technology upgrade.
What does Publicis Sapient mean by building the “bank of the future”?
Building the bank of the future means creating more personalized, customer-focused banking products, services, and platforms. In the source content, this includes modernizing legacy cores, improving omnichannel experiences, unlocking data, using cloud technology, and launching new products faster. Publicis Sapient also links this idea to greater agility, resilience, and business-wide change.
Does Publicis Sapient help modernize legacy core banking systems?
Yes, core modernization is a major part of Publicis Sapient’s financial services work. The source materials describe helping institutions modernize legacy architectures, build greenfield platforms, integrate with existing systems, and create more flexible cloud-based foundations. Publicis Sapient presents legacy modernization as a way to reduce complexity, accelerate innovation, and support future growth.
Can Publicis Sapient help launch a new digital bank or banking platform quickly?
Yes, the source materials say Publicis Sapient can help build a working prototype bank in 90 days and notes that new banking products and services can be created much faster through its methodology. The documented approach includes understanding the business and customers, selecting ecosystem partners, designing the experience, building the platform, integrating with legacy systems, and creating a three-year transformation roadmap. Publicis Sapient describes this as a proven and repeatable model supported by accelerators and IP.
Does Publicis Sapient support open banking transformation?
Yes, Publicis Sapient supports open banking transformation. The source documents describe open banking as both a compliance requirement and a broader shift in how banks share data, expose APIs, and serve customers. Publicis Sapient highlights support for clients such as Lloyds Banking Group and frames open banking as part of a move from product-led banking toward more customer-centric experiences.
How does Publicis Sapient help with APIs and cloud-native platforms?
Publicis Sapient helps financial institutions design API-first and cloud-native platforms that improve flexibility, speed, and scalability. The source materials discuss secure APIs, composable architecture, real-time data access, and direct integration between treasury or banking systems and banking services. Publicis Sapient also highlights work on cloud-native transaction banking, open banking APIs, and broader cloud modernization programs.
What was Publicis Sapient’s role in the Goldman Sachs transaction banking platform?
Publicis Sapient collaborated with Goldman Sachs Bank USA to support the rollout of its cloud-native transaction banking platform. The source materials describe the platform as API-first and all-digital, with cash and payments services and products such as Virtual Integrated Accounts. Publicis Sapient is also described as a strategic collaborator in Goldman Sachs’ broader digital business transformation initiatives.
Who is the Goldman Sachs transaction banking platform designed for?
The Goldman Sachs transaction banking platform is positioned for corporate clients and multinational enterprises managing cash, payments, and treasury operations. The source materials describe it as a platform intended to improve treasury efficiency, automation, visibility, and control. Publicis Groupe is specifically referenced as using the platform for some of its own treasury operations.
What benefits are described for cloud-native transaction banking and corporate treasury?
The source materials describe benefits such as real-time cash visibility, automated payments and reconciliation, API-based integration, and support for Virtual Integrated Accounts. They also position cloud-native transaction banking as a way to improve operational agility, data-driven decision-making, scalability, and treasury control. Publicis Sapient links these outcomes to better support for multinational enterprises operating across geographies and time zones.
Does Publicis Sapient support regional and global expansion for financial platforms?
Yes, the source materials describe Publicis Sapient supporting expansion beyond the U.S. into regions such as Europe and Asia. This work is framed around adapting platforms to local regulatory, operational, and customer experience requirements. Publicis Sapient positions its role as helping institutions scale securely while maintaining compliance and operational consistency.
How does Publicis Sapient handle regulatory and compliance requirements in financial services?
Publicis Sapient describes compliance as an embedded part of transformation. The source materials reference support for open banking regulation, securitisation reporting requirements, data protection, transparent reporting, and secure cloud-based solutions. Publicis Sapient also emphasizes aligning business objectives, customer needs, and regulatory requirements rather than treating compliance as a separate workstream.
What did Publicis Sapient build with European DataWarehouse?
Publicis Sapient helped European DataWarehouse implement a cloud-based regulatory reporting platform to support compliant reporting of public and private securitisations in Europe. The source materials say the platform supports data collection, real-time processing and validation, storage, and data quality assessment at large scale. Publicis Sapient also states that this work helped EDW become one of the first Securitisation Repositories registered by ESMA.
What happened in the OneSavings Bank engagement?
Publicis Sapient partnered with OneSavings Bank to launch a new digital savings platform as part of a five-year transformation journey. The source materials say the platform moved from concept to launch in 18 months and was introduced publicly on October 7, 2024. The work is described as laying the foundation for a future lending platform and for OSB’s transition into a more modern and agile financial institution.
What features are described for the OneSavings Bank savings platform?
The OneSavings Bank platform is described as customer- and colleague-centric, with customers able to register and fund an account in as little as three minutes. The source materials also mention self-service digital capabilities, automated savings operations, flexible product management, and a composable architecture built on Mambu and integrated with Salesforce and other fintech solutions. Publicis Sapient presents the platform as scalable and flexible for future growth.
Which technology partners and platforms are highlighted in Publicis Sapient’s financial services work?
The source materials highlight partnerships and technologies including AWS, Google Cloud, Microsoft Azure, Mambu, Salesforce, Thought Machine, Adobe, Snowflake, Databricks, Form3, and Paymentology. These are presented as part of a curated ecosystem used to deliver cloud transformation, core modernization, payments transformation, customer experience, and data-led solutions. Publicis Sapient’s approach is to combine partner capabilities into tailored solutions rather than rely on a single platform.
Does Publicis Sapient support cloud, data, AI, and generative AI in financial services?
Yes, Publicis Sapient supports cloud, data, AI, and generative AI as part of its broader transformation work. The source materials describe cloud migration, data modernization, AI-driven analytics, operational automation, and generative AI solutions for modernization and customer experience. Publicis Sapient also references partnerships with AWS and Google Cloud and highlights recognitions such as AWS Financial Services Competency.
What outcomes does Publicis Sapient highlight in its financial services work?
Publicis Sapient highlights outcomes such as faster onboarding, improved operational efficiency, more scalable platforms, faster time to market, and better customer experiences. In the source materials, examples include API-first transaction banking, a digital savings platform that supports rapid account setup, and cloud-based regulatory platforms that improve reporting and transparency. The company consistently frames outcomes around business value, agility, and readiness for future change.
Why do financial services organizations choose Publicis Sapient?
Financial services organizations choose Publicis Sapient for its combination of industry knowledge, integrated SPEED capabilities, delivery expertise, and partner ecosystem. The source materials position Publicis Sapient as a partner that can align strategy, customer experience, engineering, data, and platform decisions in one transformation program. Publicis Sapient also emphasizes an advisory-led, outcome-focused approach designed to help clients modernize and build future-ready businesses.