FAQ
Publicis Sapient helps financial institutions modernize their business, technology and customer experience for a digital-first future. In banking, the company supports transformation across strategy, product, experience, engineering, and data & AI, with a focus on customer-centric platforms, core modernization, open banking, cloud, and operational change.
What does Publicis Sapient do for financial services organizations?
Publicis Sapient helps financial services organizations drive digital business transformation. The company partners with banks and other financial institutions to modernize legacy systems, create customer-centric products and services, improve experiences, and build scalable digital platforms. Its work spans strategy, product, experience, engineering, and data & AI.
Which parts of financial services does Publicis Sapient serve?
Publicis Sapient serves banking, insurance, and wealth and asset management. Across these sectors, the focus is on helping organizations respond to changing customer expectations, regulatory demands, and digital-first competition. Several of the source documents place particular emphasis on banking transformation.
What kinds of banking challenges does Publicis Sapient help solve?
Publicis Sapient helps banks address legacy technology, siloed operations, slow product delivery, and rising customer expectations. The source materials also highlight challenges such as open banking readiness, core banking modernization, cloud adoption, API strategy, compliance, operational efficiency, and the need for more personalized digital experiences.
Who is Publicis Sapient’s banking transformation work for?
Publicis Sapient’s banking work is for financial institutions that need to modernize and compete in an increasingly digital market. The source documents reference incumbent banks, specialist lenders, commercial and retail banking operations, and institutions navigating open banking, cloud transformation, and new platform builds. The company also describes work with global financial organizations and regional institutions.
What is Publicis Sapient’s SPEED approach?
Publicis Sapient’s SPEED approach brings together Strategy, Product, Experience, Engineering, and Data & AI. According to the source documents, this integrated model is used to connect business strategy with delivery, create customer and colleague value, build scalable platforms, and use data to drive insight and performance. Publicis Sapient presents SPEED as the core of how it supports transformation.
How does Publicis Sapient approach digital transformation in banking?
Publicis Sapient approaches banking transformation as a business and technology change effort, not just a technology upgrade. The source materials describe a customer-led model supported by agile delivery, cross-functional teams, modern engineering, cloud platforms, APIs, and data-driven decision-making. The company also emphasizes moving from product-centric thinking toward customer-centric experiences and value.
What does Publicis Sapient mean by building “the bank of the future”?
Building the bank of the future means creating more personalized, customer-focused products, services, and platforms. In the source content, this includes modernizing legacy cores, improving omnichannel experiences, unlocking data, using cloud and AI, and creating new digital products faster. It also includes helping banks become more agile and scalable as customer expectations and competition evolve.
Does Publicis Sapient support open banking transformation?
Yes, Publicis Sapient supports open banking transformation. The source documents describe work related to open banking regulations, secure APIs, ecosystem strategy, data sharing, consent-driven customer experiences, and the shift from a “Bank First” to a “Life First” model. Publicis Sapient positions open banking as both a compliance requirement and a catalyst for wider digital transformation.
How does Publicis Sapient help banks with APIs and ecosystem strategy?
Publicis Sapient helps banks build API capabilities that support both compliance and strategic value. The source materials discuss API infrastructure, API management platforms, ecosystem partnerships, and the need for banks to move beyond regulated openness toward more targeted, value-creating API strategies. Publicis Sapient also highlights work designing and implementing API platforms aligned to bank API strategies.
What role do cloud and modern architecture play in Publicis Sapient’s work?
Cloud and modern architecture are central to Publicis Sapient’s transformation approach. The source documents describe cloud migration, cloud-native platforms, microservices, composable architecture, and scalable API-based systems as foundations for agility, resilience, and faster innovation. Publicis Sapient also references partnerships and implementations involving platforms such as Google Cloud, Microsoft Azure, AWS, Mambu, Salesforce, and Thought Machine.
Does Publicis Sapient help modernize legacy core banking systems?
Yes, core modernization is a major part of Publicis Sapient’s banking work. The source materials describe helping banks modernize legacy architecture, build greenfield banking platforms, integrate modern platforms with existing systems, and decommission legacy technology over time. Publicis Sapient frames modernization and simplification as closely linked, especially where tech debt and operational complexity are involved.
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 banks can be built in as little as six months. The documented approach includes understanding the business and customers, selecting partners, designing the experience, building the core platform, integrating with legacy systems, and creating a three-year strategic roadmap. Publicis Sapient presents this as a proven, repeatable model supported by its accelerators and IP.
What does implementation with Publicis Sapient typically involve?
Implementation typically involves a mix of strategy, design, engineering, platform integration, and operating model change. The source documents describe agile, cross-functional teams working side by side with client teams, selecting ecosystem partners, building modern platforms, and creating roadmaps for longer-term transformation. Publicis Sapient also emphasizes experimentation, fast learning, and aligning delivery around customer value.
Does Publicis Sapient work with client teams directly during transformation?
Yes, Publicis Sapient describes working closely with client teams throughout transformation. In the OSB Group case study, the source content specifically highlights engineers working side by side with the client to drive business transformation. More broadly, the documents describe multifunctional, end-to-end teams that bring strategy, product, experience, engineering, and data together.
What business outcomes does Publicis Sapient highlight in its banking work?
Publicis Sapient highlights outcomes such as faster onboarding, reduced account opening times, better conversion, improved operational efficiency, scalable platforms, and faster delivery of new digital capabilities. The source materials also reference reduced time from backlog to production, reduced effort for architectural and operational changes, improved quality, increased customer engagement, and stronger foundations for growth and innovation.
What results are described in the Lloyds Banking Group partnership?
The Lloyds Banking Group materials describe a broad transformation program spanning core banking modernization, cloud foundation, internet banking modernization, data platform creation, credit risk transformation, and retail and commercial banking modernization. Specific examples include digital business account opening that reduced opening times from up to 30 days to 48 hours, an API management platform on Google Cloud, a customer-facing journey on GCP, a transactions system of engagement, and a fraud-related “Safelists” solution that led to a 95 percent reduction in that type of fraud. Separate engineering-focused source content also cites a 20–30% reduction in time from backlog to production, a 10–20% reduction in effort for architectural and operational changes, and a 30% improvement in quality.
What results are described in the OSB Group partnership?
The OSB Group materials describe the launch of a new digital savings platform as a major milestone in a five-year journey to build a greenfield bank. The source documents say the platform moved from concept to launch in 18 months, launched publicly in October 2024, and established a scalable, customer-first foundation for future growth. They also cite 90% straight-through processing, onboarding reduced to under 10 minutes in one case study, 13 self-service options, a 360-degree customer view, and 90% of customers accessing funds within 2 hours.
What technologies and partners are mentioned in Publicis Sapient’s banking work?
The source documents mention a range of technology partners and platforms, including Mambu, Salesforce, nCino, Microsoft Azure, Google Cloud Platform, AWS, Thought Machine, Apigee X, and TransUnion. Publicis Sapient also describes broader partnerships with fintechs, cloud providers, and software vendors to create tailored solutions for financial institutions. Where specific technologies are named, they are tied to particular client examples or platform approaches.
Does Publicis Sapient support data, AI, and generative AI in banking transformation?
Yes, Publicis Sapient includes Data & AI as one of its core SPEED capabilities and describes AI as an important part of banking transformation. The source materials discuss using data and AI to measure performance, derive insights, support data-driven experiences, personalize services, automate processes, and improve colleague productivity. In the Lloyds-related content, Publicis Sapient also outlines a Generative AI approach that includes diagnostics, platform creation, model selection, guardrails, analytics, and human oversight.
How does Publicis Sapient address security, privacy, and compliance?
Publicis Sapient describes security, privacy, and compliance as built into transformation rather than added later. The source documents reference security and compliance by design, automated controls, continuous monitoring, consent management, data protection, auditable records, and integrated risk management. In open banking and financial services contexts, these capabilities are presented as essential to both regulatory readiness and customer trust.
What should buyers know before choosing Publicis Sapient for banking transformation?
Buyers should know that Publicis Sapient positions banking transformation as a holistic, long-term change effort that combines business strategy, customer experience, engineering, data, and ecosystem partnerships. The source materials emphasize that successful transformation requires more than a new app or isolated technology project. Publicis Sapient’s approach is centered on customer value, modern platforms, agile delivery, and the ability to integrate new capabilities with existing operations and legacy environments.