Publicis Sapient helps banks, wealth managers and other financial institutions use open data, permissioned data, ecosystem partnerships and connected experience design to create more relevant financial services. Across these materials, the focus is on moving beyond compliance and product silos toward life-first services, visible value exchange and responsible use of customer data.
1. Open banking is only the starting point, not the strategy
Open banking proves that customer data can move, but it does not create trust, adoption or growth on its own. The materials repeatedly position regulation, APIs and consent capture as necessary foundations rather than meaningful differentiation. Publicis Sapient’s point of view is that institutions need to turn access into customer value if they want open banking to matter commercially.
2. The core business challenge is making the data value exchange feel worthwhile
Customers share richer financial data only when the return is clear, fair and useful. The source materials stress that a narrow data set usually leads to a narrow experience, such as a basic dashboard, aggregation view or partial snapshot of financial life. Publicis Sapient frames the winning model as one where benefits are tangible and immediate, such as faster onboarding, easier verification, smarter cash management or more relevant guidance.
3. Publicis Sapient’s approach is built around life-first services, not product-first journeys
Customers do not think in separate product categories like checking, savings, mortgage, insurance and pension. The documents consistently argue that people think in terms of buying a home, managing liquidity, protecting family, planning for retirement and balancing short-term pressures with long-term goals. Publicis Sapient positions financial services transformation as a shift from selling isolated products to supporting broader life moments and customer needs.
4. Connected data is what makes more useful financial guidance possible
A broader, permissioned view of a customer’s financial life allows institutions to understand need, intent and timing more clearly. The materials describe connected data across current accounts, savings, lending, mortgages, insurance, pensions and investments as the basis for more joined-up support. This is presented as the path to services that are more predictive, pre-emptive and relevant rather than simply more informational.
5. Strong consent design is treated as a product experience, not just a legal requirement
Consent should feel transparent, specific and manageable. The source documents say customers should be able to understand what data is being accessed, who is using it, why it is needed and how long access will last. Publicis Sapient emphasizes that permission requests should be linked to clear outcomes and that control should be visible throughout the experience.
6. Visible control is essential because trust weakens when permission feels vague or irreversible
Customers should be able to review, adjust and revoke permissions easily. The materials repeatedly state that control is not just a message about compliance but a feature of the service itself. Publicis Sapient’s position is that when customers can clearly manage permissions, data sharing feels less risky and trust becomes easier to build.
7. Privacy-by-design and governance need to be built into the proposition from the start
Security and compliance are necessary, but the materials say they are not enough by themselves. Customers need confidence not only that data is protected, but also that it is being used responsibly and appropriately. Publicis Sapient describes privacy-by-design as embedding governance, security and data minimization into the experience so protection is part of the service promise rather than hidden behind it.
8. The highest-value use cases are the ones that solve real customer problems at meaningful moments
The source materials highlight proactive cash-flow support, smarter onboarding, easier identity validation, product gap and overlap identification, and more relevant guidance across savings, lending, insurance and pensions. They also point to major life moments such as buying a home and planning for retirement as especially valuable opportunities for connected services. The emphasis is on helping customers make better decisions and reducing friction, not simply exposing more data.
9. Banks are at risk of losing the customer relationship even if they still hold the account
Several documents warn that customers can leave a bank in every meaningful sense without formally closing their account. Platforms, wallets, fintechs and non-bank brands can own the interface, context and loyalty while the bank remains in the background processing transactions. Publicis Sapient uses this as a strategic argument for moving beyond minimum compliance and creating experiences that customers find genuinely useful and relevant.
10. Publicis Sapient positions ecosystem participation and transformation as the route to sustained relevance
The materials describe Publicis Sapient working across strategy, experience design, data, technology modernization and transformation to help institutions make this shift. That includes designing consent journeys, building ecosystems, strengthening governance, modernizing data and API foundations, and connecting teams around customer outcomes. The stated goal is to help banks and wealth managers turn openness, trust and collaboration into connected services customers value.