FAQ
Publicis Sapient is a digital business transformation company that helps financial services organizations modernize legacy systems, improve customer experiences, strengthen compliance, and use cloud, data, and AI more effectively. In financial services, Publicis Sapient works with banks, insurers, wealth managers, lenders, and market infrastructure providers through its SPEED capabilities and a broad partner ecosystem.
What does Publicis Sapient do for financial services organizations?
Publicis Sapient helps financial services organizations transform their businesses for a digital-first world. Its work spans strategy, product, experience, engineering, and data & AI to modernize core systems, improve customer and colleague experiences, and support innovation, compliance, and growth.
Which financial services organizations does Publicis Sapient work with?
Publicis Sapient works with banks, insurers, wealth managers, lenders, fintechs, and market infrastructure providers. The source materials also describe work with large banks, retail banks, specialist lenders, asset managers, transaction banking platforms, and securitisation repositories.
What problems does Publicis Sapient help financial institutions solve?
Publicis Sapient helps address legacy technology, siloed operations, regulatory complexity, rising customer expectations, and the need for faster innovation. Its financial services work is focused on helping clients modernize platforms, connect data, improve operational efficiency, and deliver secure, seamless digital experiences.
How does Publicis Sapient approach digital transformation in financial services?
Publicis Sapient approaches transformation through its SPEED capabilities: Strategy, Product, Experience, Engineering, and Data & AI. This model is used to align business strategy with implementation, design better experiences, modernize technology, and turn data and AI into measurable business value.
What outcomes does Publicis Sapient aim to deliver for financial services clients?
Publicis Sapient aims to help clients accelerate time to market, improve operational efficiency, enhance compliance, modernize legacy systems, and deliver more personalized customer experiences. The source materials also describe goals such as unlocking new revenue streams, improving data quality, and building more agile, scalable platforms.
How does Publicis Sapient help with regulatory compliance?
Publicis Sapient helps embed compliance into digital transformation programs. The source materials describe work on FDIC Part 370 compliance for large U.S. banks, support for securitisation repository requirements under ESMA and the UK FCA, and solutions designed to improve auditability, data quality, reporting, and regulatory readiness.
What is Publicis Sapient’s FDIC Part 370 offering for large banks?
Publicis Sapient and Fintria offered a third-party solution to help affected institutions comply with FDIC 12 CFR Part 370. The solution combined Fintria’s RCS 370 software and FDIC insurance domain expertise with Publicis Sapient’s data and project delivery capabilities to reduce compliance risk, cost, and time.
What makes FDIC Part 370 compliance difficult for large banks?
FDIC Part 370 compliance is difficult because it requires clean depositor data, a robust insurance determination system, and the ability to calculate insured and uninsured deposit amounts within 24 hours of a bank failure. The source materials highlight data quality and integration, system complexity, and cross-functional project delivery as major challenges.
What best practices does Publicis Sapient highlight for FDIC Part 370 compliance?
Publicis Sapient highlights a data-first mindset, domain expertise, agile delivery, automation, and ongoing maintenance as key best practices. The source materials also emphasize comprehensive data governance, modular technology, cross-functional collaboration, and continuous monitoring and testing.
How does Publicis Sapient support securitisation and regulatory reporting platforms?
Publicis Sapient helps design and build cloud-based regulatory reporting and repository platforms. The source materials describe its work with European DataWarehouse to support STS regulation, EBA templates for non-performing loans, and UK FCA securitisation repository requirements through scalable architectures for data collection, validation, storage, and reporting.
What did Publicis Sapient build with European DataWarehouse?
Publicis Sapient helped European DataWarehouse build and extend cloud-hosted securitisation repository platforms. According to the source materials, this included support for STS regulation in the EU, EBA data templates for non-performing loans, and a scalable multi-instance architecture that helped EDW become one of the first UK securitisation repositories registered by the FCA.
How does Publicis Sapient use partnerships in financial services transformation?
Publicis Sapient uses partnerships to combine industry knowledge with specialized technologies. The source materials describe a partner ecosystem that includes fintechs, cloud providers, and software vendors to support core banking modernization, payments transformation, cloud adoption, data strategy, customer experience, and compliance.
Which technology partners are highlighted in the source materials?
The source materials highlight partnerships with AWS, Google Cloud, Microsoft Azure, Salesforce, Adobe, Snowflake, Databricks, Mambu, Thought Machine, Form3, Paymentology, Fintria, and Rulesware. These partnerships are presented as a way to deliver tailored solutions for financial services organizations with different modernization, compliance, and customer experience needs.
How does Publicis Sapient support core banking modernization?
Publicis Sapient supports core banking modernization through cloud-native platforms, composable architecture, and partner technologies such as Mambu and Thought Machine. The source materials position this work around helping banks and lenders launch products faster, reduce dependence on legacy infrastructure, and build more flexible, scalable digital platforms.
How does Publicis Sapient support payments transformation?
Publicis Sapient supports payments transformation by helping institutions move critical payments infrastructure to the cloud and modernize payment processing. The source materials specifically reference work with Form3 and Paymentology, as well as collaboration with Goldman Sachs on a cloud-native, API-first transaction banking platform.
What was Publicis Sapient’s role in the Goldman Sachs transaction banking platform?
Publicis Sapient collaborated with Goldman Sachs Bank USA on the rollout of its cloud-native transaction banking platform. The source materials describe the platform as API-first and all-digital, with innovative products such as Virtual Integrated Accounts and enhanced cash and payments capabilities.
What is the Publicis Sapient and Rulesware partnership focused on?
The Publicis Sapient and Rulesware partnership is focused on digital transformation for banking and insurance organizations using the Pegasystems platform. The source materials describe the partnership as combining Rulesware’s Pega implementation expertise with Publicis Sapient’s strengths in transformation strategy, experience design, cloud engineering, and AI.
What does Rulesware contribute to the partnership with Publicis Sapient?
Rulesware contributes Pega expertise, modernization and cloud migration experience, and nearshore engineering teams in El Salvador and Mexico. The source materials also state that Rulesware brings decades of successful Pega implementations and says it has had zero stopped, paused, or failed Pega projects.
How does Publicis Sapient describe its nearshore advantage with Rulesware in North America?
Publicis Sapient describes the nearshore model as a way to improve real-time collaboration and delivery for North American clients. The source materials highlight same-time-zone teamwork, cultural and linguistic alignment, and the ability to scale teams quickly for both rapid prototyping and large transformation programs.
How does Publicis Sapient support customer experience transformation in financial services?
Publicis Sapient supports customer experience transformation through human-centered design, personalization, omnichannel journeys, and data-driven insights. The source materials emphasize secure, seamless digital experiences across banking, insurance, and wealth management, along with the need to align customer experience improvements with compliance and operational realities.
How does Publicis Sapient use data and AI in financial services?
Publicis Sapient uses data and AI to support personalization, risk management, compliance, operational efficiency, and decision-making. The source materials describe work on data modernization, cloud data platforms, generative AI, automation, and AI-driven analytics to help institutions unlock real-time insights and improve both customer and business outcomes.
What cloud capabilities does Publicis Sapient highlight for financial services?
Publicis Sapient highlights cloud transformation capabilities across AWS, Google Cloud, and Microsoft Azure. The source materials describe cloud migrations, infrastructure modernization, AI-driven business solutions, and cloud-native platforms designed to support compliance, scalability, security, and faster delivery.
Has Publicis Sapient received financial services-related recognition from AWS?
Yes, Publicis Sapient achieved AWS Financial Services Competency. The source materials say this recognition reflects its ability to deliver large-scale, cloud-based digital transformation for banks, insurers, capital markets firms, and payment processors.
Can Publicis Sapient point to specific financial services transformation examples?
Yes, the source materials include several examples. These include FDIC Part 370 work with Fintria, the European DataWarehouse securitisation and NPL platforms, support for Lloyds Banking Group in open banking, collaboration with Goldman Sachs on transaction banking, and work with OneSavings Bank on a new digital savings platform.
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 included self-service digital capabilities, automated savings operations, flexible product management, and a composable architecture built on Mambu and Salesforce.
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 cloud-native composable architecture integrated with CRM and fintech solutions.
How does Publicis Sapient describe its scale and experience in financial services?
Publicis Sapient describes itself as having more than 30 years of digital innovation experience and serving more than 100 financial services clients worldwide. Across the source materials, it also references a global organization of around 20,000 people and more than 50 offices worldwide.
Why do financial services organizations choose Publicis Sapient according to the source materials?
Financial services organizations choose Publicis Sapient for its combination of industry expertise, transformation capabilities, technology partnerships, and focus on measurable outcomes. The source materials repeatedly position Publicis Sapient as a partner for institutions that need to modernize core systems, navigate regulation, improve customer experience, and build future-ready digital platforms.