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Converge™ by Deloitte

Power up to modern banking

Modernize your business, launch a new digital proposition, or build a digital bank from the ground up, with Converge™ by Deloitte. For retail and small business banking.

About

Rapidly shifting customer expectations, fast-moving regulatory disruption, and an explosion of digital-only banks and fintechs driving increased competition: this is the new digital era for banking.

Whether you’re looking to grow your customer base, reduce your operating costs, or transform your entire business model, this digital era offers limitless opportunities. But navigating the journey can feel overwhelming. And when it feels as though there are an infinite set of decisions to make, where do you start? Converge by Deloitte can help you break down that complexity and reduce thousands of decisions into the few that really count.

A different approach for digital banking

Welcome to the new model

The expense and risk of building everything in-house, or the inflexibility of single vendor solutions? For too long banks have been pushed into making this difficult choice. We believe there is a better way – where you get the best of buy and build. Flexibility, control and competitive edge, without compromising on cost transformation and pace. With BankingSuite you get the software you need to move towards your goals quickly and cost effectively, but with the freedom to refine, extend and make it your own. Spend less time figuring out the fundamentals, and more on what really matters: setting your business apart.

Experience, methodologies and research: Real experience delivering digital transformation for banks all over the world, the latest customer research, and methodologies honed through lessons learned.

Curated ecosystem: Our curated ecosystem of best-in-breed fintechs has been tried and tested. Access pre-configured integrations, orchestrated to work for your specific use cases.

BankingSuite: Our modern, composable banking platform integrates the ecosystem with our own cutting-edge software and fills the gaps between what’s out there and what you need to succeed – helping to save you thousands of hours of development effort.

Modernize your business

Experience

Meeting the demands of digital first customers is not easy. When it comes to UX, banks face a no-win choice: ‘renting’ customer experience from providers that limit customization, or scaling large teams to build from the ground-up. With Experience by BankingSuite we’re re-writing the model and giving banks the best of both worlds. Building on years of Deloitte studio research on design and experience, our product framework can save you thousands of hours of development effort. We’ve taken care of the new standards for experience that your customers have come to expect, with all the technical foundations needed for today’s modern digital apps ready to go, and a full inventory of pre-built journeys for you to customize.

Digital Lending

Fast-track your lending transformation journey and unlock exceptional customer experiences, streamlined operations, and informed decisions with Digital Lending. Our Digital Lending platform allows you to gain insights into your customers, tailor compelling propositions, and enhance their end-to-end experience through an engaging, automated, and robust customer journey. Reporting and analytics are central to the platform, empowering you to generate actionable portfolio insights and optimise your risk and pricing models.

Digital Onboarding

Deliver the best first impression to your customers with a seamless, user-friendly onboarding experience. Our Digital Onboarding platform for retail and small business banking connects pre-integrated ecosystem leaders, allowing you to orchestrate your chosen combination into industry standard and customisable journeys. Increase customer satisfaction, accelerate account opening time, and quickly see and respond to risks.

Digital Payments

Deploy, integrate, and launch an end-to-end payments facility quickly. Our streamlined Digital Payments platform helps you to go toe-to-toe with modern payments processes in market, offering a seamless, secure, and fast experience for your customers. Designed with the latest payments architecture at its core and with modern fraud-prevention technology built in, our plug-and-play Digital Payments platform leverages pre-configured modules to enable you to assemble new payment processes based on your needs, from payment initiation to execution.

Next Generation Core Systems

Next Gen Core Systems deliver scale and speed at the heart of your bank, but we know first-hand that implementation is complex. With extensive experience in implementing third-generation core banking engines such as 10x, Mambu, Temenos and Thought Machine, and with pre-configured cores ready to go, we help you understand the options, plan an approach, and navigate the journey. Whether you want to launch your first Edge play, want to better optimize co-existence or are ready for full migration, we have the right capabilities to get you there.

Platform Engineering

Running new digital capabilities and services on the cloud is complex. Security is paramount. As is scalability. You need to meet peak periods of user demand but not pay for more than you have to. You need to ensure your infrastructure services meet industry standards within an environment that allows developers to quickly deploy new releases with confidence. We’ve designed our Fabric platform to take care of this heavy lifting for you. Our series of pre-configured modules and tools provide a modern cloud platform that forms the bedrock for your new digital capabilities.

Launch new propositions

Design Take the best of Deloitte across strategy, research, and design, and power it with our BankingSuite platform to launch new propositions for retail and small business segments. At design stage, we help you get closer to customer needs, assess what business goals are viable, and evaluate what’s possible from a technology perspective.
Build With the BankingSuite platform providing the foundational building blocks, we can help you build at pace. We bring a curated ecosystem of cutting-edge technology partners, complete with pre-built integrations, our own software to fill in identified gaps, and a modular, composable architecture that allows you to pick, choose, and assemble quickly.
Launch Backed by the creative capabilities of Deloitte Digital and our full-service ad agency, we help you build a comprehensive go-to-market approach across brand, marketing, product, and operations so you’re ready to execute your product launch with impact.
Scale We don’t just stop at your product release. We’re committed to your long-term success and can support you in running your new product as you scale, acting as your team behind the scenes for as long as you need us.

A modern platform for modern banks

BankingSuite is the modern, composable platform that underpins how we deliver for you. Software that helps you get to your goals quickly but with the flexibility to extend, refine and make your own. You can choose from individual capabilities to modernize specific parts of your business, or take the full stack to build new propositions quickly.

Benefits

Accelerate market offerings and grow revenue.

We save you thousands of development hours enabling you to bring new innovative products and services to market in months, not years.

Enhance reach & retention.

Build experiences your customers love with user-centric features and UI design out-of-the-box, with the ability to build differentiating features on top that are authentic to your brand and customers.

Access the best fintech players.

Access a curated ecosystem of cutting-edge technology companies that have been tried and tested, with integrations pre-configured and orchestrated to work and scale for your specific use cases.

De-risk your investment.

Skip the painful learning curve and leverage the experience we’ve gained delivering digital transformation for banks all over the world.

Reduce cost to serve.

Drive new efficiencies with access to composable architecture, reducing operational expenses, capital expenditure, and contractual obligations.

Unlock value at every turn.

We’ll help you map out the various routes to achieving your goals, and pick one step to take at a time, focusing on delivering value for your business incrementally throughout your journey.

Composable architecture.

Everything we’ve built has the flexibility for you to extend, control and make your own. Change the flow, swap providers, configure in multiple different ways to meet your unique needs.

Own your future.

You’re not locked into individual vendors, giving you freedom to evolve your capabilities over time. If needed, we offer services to operate and run your new capabilities until you’re ready to take over.

Custom build when you need it.

You can focus your build efforts on the features that make a difference. Where you need support, you’ll have access to the best of our strategy, design and engineering talent to help you do this.

Protect against cyberthreats.

With security built in, BankingSuite helps you put the right controls in place to provide the highest level of privacy and to protect your data against cyberthreats.

Meet compliance obligations.

Drawing on our experience helping clients to navigate risk and regulation, we help enable complete adherence to CISO and regulatory requirements.

Stay up to speed.

Our specialist cloud engineering teams are on call to support and upskill your team where required. We can help you evolve your controls, giving you ongoing resilience against threats.

Speak to our Converge™ by Deloitte for Banking team

Our global BankingSuite experience

10

countries live

42

fintechs integrated

775

Banking Information Architecture Network Informed API endpoints

35

3rd gen core implementations

Speak to our Converge™ by Deloitte for Banking team