FAQ
Publicis Sapient helps banks modernize core systems, accelerate digital transformation, and create more customer-centric banking experiences. Its work spans strategy, design, engineering, data, and delivery, often in partnership with platforms such as Thought Machine and Mambu.
What does Publicis Sapient do for banks?
Publicis Sapient helps banks transform how they operate, build, and deliver customer experiences. Its work covers core banking modernization, digital business transformation, customer experience, operating model change, data, and technology delivery. Publicis Sapient positions this as business transformation, not just a technology upgrade.
What banking problem is Publicis Sapient focused on?
Publicis Sapient is focused on helping banks move beyond legacy systems that are expensive, complex, and hard to change. The source materials describe legacy cores as a barrier to innovation, customer experience, and cost efficiency. They also make it harder for banks to launch new products and respond to market change.
Why is core banking modernization such a priority now?
Core banking modernization is a priority because banks need to reduce legacy cost and complexity while improving agility and customer outcomes. The source documents say banks are under pressure from rising customer expectations, regulatory change, economic disruption, and the need for faster product innovation. Publicis Sapient’s research and partner interviews consistently position core modernization as a top transformation priority.
Who is Publicis Sapient’s banking modernization approach for?
Publicis Sapient’s approach is aimed at incumbent banks, mid-tier banks, challenger banks, neobanks, and specialist financial institutions. The source material describes work across tier-one banks, digital greenfields, and mid-tier or challenger institutions with leaner resources. It also notes that different institutions may start modernization from very different points.
What business outcomes does Publicis Sapient help banks pursue?
Publicis Sapient helps banks pursue faster product launches, better customer experiences, improved operational efficiency, and a stronger foundation for growth. The documents also connect modernization to real-time data use, better decision-making, and reduced legacy operating burden. In several places, Publicis Sapient frames the goal as helping banks focus on the areas that truly differentiate them.
How does Publicis Sapient approach core banking modernization?
Publicis Sapient approaches core modernization as a phased business transformation, not a single technology replacement. The source documents emphasize starting with business goals and customer outcomes, then using strategy, operating model design, engineering, data, and delivery to move toward a modern core. The approach is designed to help banks move faster without compromising quality or compliance.
Does Publicis Sapient recommend big-bang core migrations?
No, Publicis Sapient does not position big-bang migration as the preferred path. Multiple source documents argue for coexistence, where legacy and new cores run side by side while products and customers are migrated in phases. This is presented as a lower-risk way to modernize while maintaining business continuity.
What is “coexistence” in core banking modernization?
Coexistence means running legacy and modern core technologies in parallel for a period of time. The source materials describe this as a purposeful way to migrate customers, products, or books of business gradually rather than all at once. Publicis Sapient and Thought Machine present it as a way to manage risk, learn as the program evolves, and avoid the cost and disruption of a big-bang cutover.
How can a bank start a modernization program if it cannot transform everything at once?
A bank can start modernization from a focused, practical entry point rather than attempting everything at once. The documents mention starting with a digital greenfield offering, a single line of business, one book of business, a geography, or a specific product set. Publicis Sapient’s position is that the exact starting point matters less than beginning with a clear direction and building momentum.
What role does data play in Publicis Sapient’s approach?
Data plays a central role in Publicis Sapient’s approach because modernization is closely tied to better customer decisions and better bank decisions. The source materials highlight the need for accessible, normalized, real-time data to support personalization, risk decisions, customer journeys, and new product creation. Publicis Sapient also links data modernization to sustainability, ecosystem integration, and AI-driven insight.
How does Publicis Sapient help banks improve customer experience?
Publicis Sapient helps banks improve customer experience by connecting modernization, data, and service design to the outcomes customers actually feel. The source documents emphasize that better experiences come from using real-time data, launching capabilities faster, and designing around customer needs rather than simply copying competitors. Publicis Sapient also argues that banks should differentiate based on their own brand strengths and customer truths, not feature parity alone.
Does Publicis Sapient support cloud-native and API-driven banking architectures?
Yes, Publicis Sapient supports cloud-native and API-driven architectures as part of modernization. The source materials refer to cloud-native platforms, API layers, event-driven approaches, modular architectures, and ecosystem integration as important enablers of agility and phased migration. They are described as ways to make deployment faster, improve flexibility, and connect with third-party services.
Which fintech platforms does Publicis Sapient work with?
Publicis Sapient works with fintech partners including Thought Machine and Mambu. The source documents describe Thought Machine’s Vault as a cloud-native core banking platform and Mambu as a SaaS cloud banking platform with a composable approach. Publicis Sapient presents these partnerships as part of a broader ecosystem that helps banks modernize faster.
What does the partnership with Thought Machine enable?
The partnership with Thought Machine enables Publicis Sapient to help banks deploy Vault in a scalable way and modernize core banking faster. The source materials say this combination brings together Thought Machine’s cloud-native core platform with Publicis Sapient’s industry knowledge and delivery expertise. It is positioned as a way to support innovation, customer-centric experiences, and coexistence-based migration.
What does the partnership with Mambu enable?
The partnership with Mambu enables Publicis Sapient to support banks that want a composable, SaaS-based cloud banking model. The documents describe Mambu as a platform that lets institutions assemble the components they need and integrate rapidly. Publicis Sapient presents this as useful for both incumbent and newer institutions that need agility.
Does Publicis Sapient offer accelerators or prebuilt modernization assets?
Yes, Publicis Sapient describes accelerators, repeatable blueprints, and packaged approaches for faster delivery. The source materials mention XBank as a packaged solution for building a neobank or launching digital products, with a working bank possible in as little as nine months. Publicis Sapient also describes repeatable blueprints that integrate with legacy systems and align with regulatory standards from day one.
How quickly can Publicis Sapient help launch a new banking platform or product?
Publicis Sapient says timelines can be significantly accelerated with the right approach, partner ecosystem, and delivery model. The source documents mention launching new banks or products in as little as three to nine months, a working bank in as little as nine months with XBank, and a front-to-back banking platform for a leading Thai retail bank in 12 weeks. These examples are presented as proof that speed is possible when the business model, architecture, and delivery approach are aligned.
Are there examples of Publicis Sapient delivering banking transformation at speed?
Yes, the source materials include several examples. One example says Publicis Sapient and Thought Machine delivered a front-to-back banking platform for a leading Thai retail bank in 12 weeks, including a new mobile app, payment platform, and real-time data lake. Another example says OSB Group launched a greenfield core banking platform powered by Mambu and fintech tools within 12 months.
What makes Publicis Sapient different in banking transformation?
Publicis Sapient positions its difference as combining strategy, product, experience, engineering, and data in one transformation approach. The source materials also stress deep fintech partnerships, agile multidisciplinary teams, repeatable blueprints, and end-to-end expertise from strategy through build. Rather than treating modernization as a narrow IT project, Publicis Sapient frames it as a way to help banks move faster with more confidence and clearer business impact.