FAQ
Publicis Sapient helps banks, financial institutions, and industry partners accelerate digital business transformation. Across these materials, the focus is on helping organizations modernize core systems, improve customer experience, use data more effectively, explore emerging models such as Web3 and embedded finance, and build operating models that support faster change.
What does Publicis Sapient do for financial services organizations?
Publicis Sapient helps financial services organizations accelerate digital business transformation. In these materials, that includes work on core banking modernization, customer experience, data and personalization, digital operating models, embedded finance, and emerging areas such as Web3 and digital assets.
Who is Publicis Sapient’s work in financial services designed for?
Publicis Sapient’s work is designed for banks, financial institutions, and ecosystem partners. The source materials also reference work with incumbents, neobanks, transaction banking and cash management teams, regional banking leaders, and technology partners serving financial services.
What business problems is Publicis Sapient helping banks solve?
Publicis Sapient helps banks address modernization, agility, customer experience, and growth challenges. The source documents repeatedly highlight issues such as legacy core systems, slow delivery, fragmented data, operating model constraints, rising customer expectations, and the need to launch better products and services faster.
Why is core banking modernization such a major priority?
Core banking modernization is a major priority because legacy cores are expensive, complex, and can limit innovation. The materials describe modernizing the core as essential for improving cost efficiency, enabling product innovation, supporting better customer experiences, and helping banks respond faster to market change.
Does core modernization have to be a full end-to-end transformation?
No, the source materials say core modernization does not always have to be full end-to-end. Several interviews describe multiple starting points, including business line by business line modernization, spin-offs, digital greenfield offerings, or migrating a single book of business first.
How does Publicis Sapient approach digital transformation programs?
Publicis Sapient emphasizes starting with the problem to solve and the business outcome to achieve. The source materials stress strategy, design thinking, clear success metrics, and aligning the operating model, architecture, and delivery approach rather than adopting new technology for its own sake.
What does Publicis Sapient say banks need in addition to new technology?
Banks need more than technology alone; they also need the right operating model, skills, and change management. The materials point to modernization of infrastructure, legacy systems, and people capabilities, along with the need to manage organizational change from leadership through to frontline teams.
How does Publicis Sapient help banks improve customer experience?
Publicis Sapient helps banks improve customer experience by focusing on what customers value and by aligning experiences to each bank’s brand and strengths. The materials argue that many banks fall into a “sea of sameness,” and that standout CX comes from understanding customer needs, using data well, and building experiences that are distinctive rather than copied from competitors.
What role does data play in transformation?
Data plays a central role in transformation because it helps banks create clearer, more personalized, and more effective customer experiences. Across the documents, data is tied to real-time decision-making, customer understanding, sustainability reporting, common data models, and the ability to act on insights across the business.
How does Publicis Sapient view the relationship between speed and transformation?
Publicis Sapient treats speed as a competitive requirement, but not as the only goal. The materials describe the need for faster deployment of new technologies, quicker product delivery, and high-velocity operating models, while also making clear that speed should support better outcomes for customers and the business.
What is Publicis Sapient’s perspective on Web3 in financial services?
Publicis Sapient presents Web3 as a long-term evolution in technology for financial services. The materials describe Web3 as a shift from Web2-style infrastructure toward models shaped by blockchain, wallet technology, and new approaches to identity, data control, and digital interaction.
How is Web3 relevant to banks and financial institutions?
Web3 is relevant to banks because it can enable new infrastructure, new customer interaction models, and new digital asset services. The source documents describe institutional interest in blockchain-based settlement, identity, digital assets, tokenization, custody, and new operating models built on Web3 technologies.
What challenges do banks face when adopting Web3 and digital assets?
One of the main challenges is the lack of institutional-grade technology in the market. The materials also point to regulatory uncertainty, interoperability questions, adoption barriers, and the need for trusted control environments that financial institutions can use with confidence.
What are digital assets in the context of these materials?
Digital assets are described as both digital securities and crypto-native asset classes. The source distinguishes between blockchain-based securities that are legally identical to traditional securities and newer asset classes such as cryptocurrencies, governance tokens, and NFTs.
What capabilities are discussed for digital assets and Web3 services?
The materials discuss capabilities such as trading, custody, settlement, staking, node operation, and crypto custody. They also describe institutional-grade Web3 services as foundational technology that helps financial institutions develop and deploy solutions in this space.
What is embedded finance according to these materials?
Embedded finance means placing banking functions and services inside non-banking experiences. The source gives examples such as buy now, pay later options on retail sites and describes embedded finance as bringing lending or other financial capabilities into contexts where customers are already transacting.
How does embedded finance relate to open banking?
Embedded finance builds on the idea that banking services can be accessed programmatically rather than only through a bank’s own channels. The materials explain that open banking makes services available through APIs, while embedded finance applies those services inside applications and customer journeys where people can use them directly.
What role do partnerships play in Publicis Sapient’s approach?
Partnerships are presented as an important part of delivering transformation. Across the materials, Publicis Sapient is shown working with banking technology providers, cloud and platform partners, and financial institutions to combine core platforms, front-end experience design, service design, and implementation capabilities.
How does Publicis Sapient describe the future of banking?
The future of banking is described as more digital, more data-driven, and more ecosystem-oriented. The materials point to core modernization, real-time data, better customer journeys, embedded services, digital assets, and more flexible operating models as the foundations of next-generation banking.
What should buyers evaluate before choosing a transformation partner?
Buyers should evaluate whether the partner can connect strategy, technology, operating model, and execution around clear business outcomes. The source materials also suggest looking for the ability to solve real business problems, support change management, build trust through transparency, and help institutions move faster without losing focus on customer and business value.