Digital Banking
Customers now judge their bank by its app.
We help banks design digital channels and propositions, from opening an account in minutes to lending, wealth and insurance, while giving branch and self-service networks a new role.
Where banks are under pressure
Advisory for digital banking: eKYC onboarding, instant digital cards and tokenisation, digital lending, digital wealth and insurance, open banking APIs and the evolution of branches and self-service.
Digital banks and wallets are setting new expectations for speed and simplicity.
Onboarding and lending processes are still slow and paper-heavy.
Branch and ATM networks are costly and need a clear new purpose.
How we help
We help banks design digital channels and propositions, from opening an account in minutes to lending, wealth and insurance, while giving branch and self-service networks a new role.
Digital onboarding
eKYC journeys that open accounts and issue cards in minutes.
Digital cards and tokenisation
Instant virtual cards, tokenisation and provisioning to mobile wallets.
Digital lending
Personal and SME lending journeys with automated decisions.
Digital wealth and insurance
Savings, investment and insurance propositions delivered through digital channels.
Open banking and self-service
Open APIs, partner ecosystems and the evolution of branch and self-service networks.
Digital transformation and operating model
Strategy, target operating model and roadmap to run the bank as a digital-first business.
What you receive
Deliverables are tailored to the scope of each engagement.
- Digital banking strategy
- Customer journey designs
- Product roadmap
- Technology and partner assessment
- Business case and KPIs
- Target operating model and roadmap
Our approach
Every engagement follows a clear path, scoped to what the client needs. Some clients bring us in for a single phase; others ask us to stay through launch.
- 01Diagnose
- 02Design
- 03Mobilise
- 04Launch & scale
Frequently asked questions
What is eKYC?
Electronic know-your-customer checks verify identity remotely using ID documents, biometrics and data checks, so customers can open accounts without visiting a branch.
What is open banking?
It lets customers share their banking data and start payments through licensed third parties over secure APIs, which enables new services.
Do branches still matter in digital banking?
Yes, but their role changes. Routine transactions move to digital and self-service channels, and branches focus on advice and complex needs.
Can banks offer wealth and insurance products digitally?
Yes. Many banks now offer savings, investment and insurance products in their apps, often with licensed partners.
Related practices
Card & Payments Ecosystems
Cards remain the backbone of consumer and business payments.
Explore this practice Layer 3 · TransformationFinancial Inclusion
Large groups of people and small businesses still sit outside the formal financial system.
Explore this practice Layer 2 · PlatformsBusiness Portals & Embedded Finance
Companies want to manage money where they already work: in their portals, ERP systems and partner platforms.
Explore this practiceLet's talk about your project
Tell us what you are working on and we will come back with a view on how we can help.
info@mercanera.com