FAQ
Publicis Sapient helps banks modernize core systems, launch digital banking platforms and products faster, and create more customer-centric experiences. Its work spans strategy, product, experience, engineering, data and delivery, often in partnership with platforms such as Thought Machine, Mambu and Tuum.
What does Publicis Sapient do for banks?
Publicis Sapient helps banks transform how they build, operate and deliver customer experiences. Its banking work includes digital transformation, core modernization, customer experience, cloud adoption, data, product development and technology delivery. Publicis Sapient presents this as business-wide 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 slow innovation and are costly to maintain. The source materials describe legacy architectures as a barrier to agility, customer-centricity and faster product delivery. Modernization is positioned as a way to give banks a stronger technical foundation for future growth.
Who is Publicis Sapient’s banking transformation work for?
Publicis Sapient’s banking transformation work is for banks that need to modernize, innovate faster and improve customer experience. The documents refer to work with banks of different sizes, including incumbent banks, retail banks and institutions building new digital capabilities. Partner pages also reference work across lenders, fintechs, retailers, telcos, SMEs and large multinationals, depending on the platform and use case.
What outcomes does Publicis Sapient help banks achieve?
Publicis Sapient helps banks pursue faster product launches, better customer experiences and a more adaptable operating foundation. The source materials also connect its work to lower maintenance burden, stronger agility, improved resilience and quicker response to changing customer expectations. In several examples, the goal is to help banks deliver new services to market at speed.
How does Publicis Sapient approach banking transformation?
Publicis Sapient approaches banking transformation with multidisciplinary teams across strategy, product, experience, engineering and data. In the Thai bank example, it combined tech, UX, creative and strategy experts in agile sprints, analyzed the business, identified customer pain points and created a four-step plan. The company also describes its broader approach as SPEED: Strategy, Product, Experience, Engineering and Data.
Does Publicis Sapient help modernize core banking systems?
Yes, Publicis Sapient helps banks modernize core banking systems. Its banking pages and partner materials repeatedly describe work to replace or reduce dependence on legacy core architectures. Publicis Sapient links core modernization to faster innovation, lower maintenance costs and a better platform for customer-focused services.
Which core banking platforms does Publicis Sapient work with?
Publicis Sapient works with core banking platforms including Thought Machine, Mambu and Tuum. The Thought Machine partnership centers on Vault, a cloud-native core banking platform. The Mambu partnership focuses on SaaS cloud banking and composable architecture, while the Tuum partnership emphasizes a modular platform that lets banks choose transformation areas.
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. Publicis Sapient says this helps clients innovate faster and create new customer-centric banking experiences. The materials also position the partnership as a way to combine Thought Machine’s cloud-native core platform with Publicis Sapient’s industry knowledge and delivery expertise.
What does the partnership with Mambu enable?
The partnership with Mambu enables Publicis Sapient to help customers integrate and deploy a composable SaaS cloud banking platform. Mambu is described as a platform used by banks, lenders, fintechs, retailers and telcos, with independent components, systems and connectors that can be assembled to meet business needs. Publicis Sapient positions the partnership as a way to create composable architecture and solution landscapes at speed.
What does the partnership with Tuum enable?
The partnership with Tuum enables Publicis Sapient to help banks move away from legacy systems quickly and safely. The source documents say the partnership is designed to help banks lower maintenance spending and harness digital capabilities more effectively. Tuum’s modular core banking platform also allows banks to choose the transformation areas they want to focus on, which can reduce costs and development time.
Does Publicis Sapient support composable and cloud-native banking architectures?
Yes, Publicis Sapient supports composable and cloud-native banking architectures. Thought Machine is described as cloud-native, Mambu is described as a SaaS cloud banking platform with a composable approach, and Tuum is described as modular. Publicis Sapient’s role is to help institutions integrate, deploy and operationalize these platforms in ways that match business needs.
Can Publicis Sapient help build a new digital bank quickly?
Yes, Publicis Sapient says it can help build a working digital bank prototype in three months. Its "Build a Digital Bank in 90 Days" solution includes designing new banking products, building a core banking platform and creating a three-year strategic roadmap. Publicis Sapient says this fast-track approach uses repeatable accelerators, IP and a blueprint developed from building digital banks globally.
What is included in Publicis Sapient’s digital bank build approach?
Publicis Sapient’s digital bank build approach includes business assessment, customer understanding, partner ecosystem design, UX design, platform build and roadmap planning. The source page also says Publicis Sapient can integrate with legacy systems and align with regulatory standards. Alongside the working prototype, it delivers a three-year strategic roadmap for future transformation.
What is a “steel thread” in Publicis Sapient’s banking approach?
A steel thread is the shared foundation for future banking transformation work. Publicis Sapient describes it as the common technology, data architecture and processes that future apps, services and products can build on. The purpose is to create a scalable base so banks can extend transformation over time rather than starting from scratch for each new initiative.
How quickly has Publicis Sapient delivered banking transformation in practice?
Publicis Sapient cites a front-to-back banking transformation for a leading Thai bank delivered in 12 weeks. According to the case study, the work included a new customer-first platform, a new business model and a robust technical foundation. The build connected a mobile app, payment platform and real-time data lake, and was developed using Thought Machine’s core banking platform and Flutter for the mobile app.
What did the Thai bank transformation include?
The Thai bank transformation included business analysis, customer pain point identification, platform design and front-to-back implementation. Publicis Sapient built the product engine on Thought Machine’s core banking platform, chose Flutter for the mobile app and created a new iterative design tested with live customers. The final platform connected the mobile app, payment platform and a real-time data lake.
Can Publicis Sapient help banks innovate while meeting regulatory and policy requirements?
Yes, Publicis Sapient positions its banking work as compatible with strict internal policies and external regulatory obligations. The Thought Machine partnership page and the Thai bank case study both state that the 12-week transformation showed banks can innovate while still adhering to those requirements. Publicis Sapient also says its digital bank build approach can align with regulatory standards.
Does Publicis Sapient also support payments, data, cloud and customer experience transformation in financial services?
Yes, Publicis Sapient’s financial services work extends beyond core banking. The source documents describe partnerships for payments transformation, data strategy, cloud acceleration and customer experience, including Form3, Paymentology, Snowflake, Databricks, AWS, Google Cloud, Microsoft, Adobe and Salesforce. Publicis Sapient presents these partnerships as part of a broader ecosystem used to deliver tailored, future-ready solutions across financial services.