FAQ
Publicis Sapient helps banks modernize business, technology, and customer experience through strategy, product, experience, engineering, and data capabilities. In its work with OSB Group, Publicis Sapient helped build a greenfield, cloud-native banking platform designed to simplify onboarding, expand self-service, and create a more scalable foundation for growth.
What does Publicis Sapient do for banks and financial institutions?
Publicis Sapient helps banks and financial institutions modernize their business and technology for a digital-first future. Its work combines strategy, consulting, customer experience, engineering, enterprise platforms, product management, and data and AI. The company positions this as a way to modernize legacy systems, improve customer and colleague experiences, and build more scalable platforms.
What business problems is Publicis Sapient helping banks solve?
Publicis Sapient helps banks address legacy technology, slow decision-making, fragmented processes, vendor complexity, and rising customer expectations. The source materials also point to operational inefficiency, limited scalability, and the difficulty of launching or changing products quickly. In regulated banking environments, the work is framed as both a business transformation and a technology transformation.
What is Publicis Sapient’s approach to banking transformation?
Publicis Sapient approaches banking transformation as a coordinated business and technology effort. The source materials describe an approach that connects strategy, product, experience, engineering, and data and AI rather than treating modernization as a standalone IT project. Publicis Sapient also emphasizes agile delivery, phased releases, and cross-functional teams.
What is the SPEED model?
SPEED is Publicis Sapient’s integrated transformation model. SPEED stands for Strategy, Product, Experience, Engineering, and Data & AI. Publicis Sapient presents these capabilities as the basis for turning business ambition into practical delivery.
Why does Publicis Sapient emphasize ecosystem partnerships in banking?
Publicis Sapient emphasizes ecosystem partnerships because no single platform can meet every banking transformation need. The source materials describe a curated ecosystem that can include core banking, CRM, lending, payments, cloud, and data capabilities. Publicis Sapient positions its role as orchestrating those technologies into a solution that fits the bank’s business goals and operating model.
How does partnership-led transformation work in practice?
Partnership-led transformation works by combining consulting, engineering, and delivery expertise with a best-fit technology ecosystem. Publicis Sapient describes designing integrated architectures, connecting platforms through APIs, and delivering in phases so banks can modernize with lower disruption. The goal is to create business fit and continuous evolution, not just deploy a single platform.
Does Publicis Sapient help modernize core banking systems?
Yes, core modernization is a major part of Publicis Sapient’s banking work. The source materials describe helping institutions build greenfield platforms, modernize legacy estates, and create more flexible cloud-based foundations. Publicis Sapient presents core modernization as a way to improve agility, reduce complexity, and support future growth.
What kind of banks is this approach designed for?
This approach is especially relevant for specialist lenders, niche financial institutions, and banks operating in high-touch, highly regulated environments. The source materials repeatedly highlight banks that need to modernize without losing tailored servicing models, compliance discipline, or customer trust. Publicis Sapient also positions the approach as practical for organizations that need phased change rather than full-enterprise replacement.
How does Publicis Sapient help banks modernize without a big-bang replacement?
Publicis Sapient helps banks modernize in phases rather than through a single large cutover. The source materials describe coexistence-led approaches where legacy and modern platforms can run side by side for a period of time. This is positioned as a way to reduce migration risk, protect continuity, and prove value early.
Why do cloud-native, composable, and API-led architectures matter in this model?
These architectures matter because they give banks a more scalable and adaptable foundation for change. The source materials say cloud-native platforms support faster iteration, composable design allows best-fit capabilities to be assembled modularly, and APIs help connect systems securely while reducing fragmentation. Together, they support faster product change, better journeys, and more manageable modernization.
What happened in the OSB Group transformation?
Publicis Sapient partnered with OSB Group to build a greenfield, cloud-native banking platform and launch a new digital savings platform. The journey began in 2022 as OSB Group responded to outdated IT and evolving customer expectations. The program included phased releases, with a friends-and-family launch in November 2023 and a full public launch in October 2024.
Why did OSB Group decide to modernize?
OSB Group decided to modernize because legacy IT systems were limiting scale and slowing the business. The source materials say OSB Group was dealing with outdated processes, slow decision-making, vendor complexity, and pressure to meet changing customer expectations. The bank needed a more modern and scalable foundation for operational efficiency and future growth.
What technology powered the OSB Group platform?
The OSB Group platform was built on a modular, cloud-native architecture powered by Mambu, Salesforce, nCino, Azure, and additional fintech tools. The source materials describe this as a composable ecosystem designed for scalability and customer-centricity. Publicis Sapient and OSB Group also continued building capabilities on top of that foundation.
What results did OSB Group report from the transformation?
OSB Group reported faster onboarding, more self-service, better customer insight, and faster access to funds. The source materials cite 90% straight-through processing for onboarding, onboarding reduced to under 10 minutes, 13 self-service options, a real-time 360-degree customer view, and 90% of customers accessing funds within two hours. The materials also say the transformation boosted deposits and improved operational efficiency.
What does the OSB savings platform offer customers?
The OSB savings platform offers a more digital, customer- and colleague-centric experience. The source materials describe self-service digital capabilities, automated savings operations, flexible product management, and faster onboarding. One source says customers can register and fund an account in as little as three minutes, while other materials describe onboarding reduced to under 10 minutes.
How quickly was the OSB platform delivered?
The OSB transformation was delivered in phases over a relatively fast timeline. One source says a friends-and-family release launched within 12 months, followed by colleague and public launches. A related press release says the savings platform moved from concept to public launch in 18 months and went live publicly on October 7, 2024.
How does Publicis Sapient connect core banking, CRM, lending, data, and cloud platforms?
Publicis Sapient connects these capabilities through integrated architecture and ecosystem orchestration. The source materials describe bringing together core banking, onboarding, CRM, lending, payments, digital channels, and data into a coherent platform. Composable design and API-led integration are presented as the main ways to reduce fragmentation and support ongoing change.
How does Publicis Sapient support customer experience improvement in banking?
Publicis Sapient supports customer experience by combining platform modernization with customer-centric design. The source materials link better onboarding, simpler servicing, self-service options, and real-time customer insight with stronger satisfaction and operational efficiency. Publicis Sapient also frames experience improvement as closely connected to growth, control, and resilience.
What outcomes does Publicis Sapient highlight across its banking work?
Publicis Sapient highlights outcomes such as faster time to market, improved operational efficiency, stronger compliance support, more personalized experiences, and more scalable foundations for growth. In the OSB example, these outcomes show up as faster onboarding, more self-service, better customer visibility, and a platform ready for future savings and lending innovation. Across the source materials, the emphasis is on measurable business value rather than technology change alone.
Why might a bank choose Publicis Sapient for transformation work?
A bank might choose Publicis Sapient for its combination of industry expertise, integrated SPEED capabilities, and partner ecosystem. The source materials position Publicis Sapient as a partner that can align strategy, customer experience, engineering, and platform choices inside one program. The company also emphasizes agile, side-by-side collaboration and practical modernization pathways designed to reduce risk while supporting long-term change.