Call for change

European banks must manage a variety of challenges like volatility, high customer expectations, complex regulations, and new competitors. Plus, fixed cost structures make profitability tougher to achieve.

One bank knew overcoming these big challenges meant rethinking core banking operations. Its leaders wanted Accenture to help them create an intelligent operating model.

Powered by data, intelligent technologies, and appropriately skilled talent, this innovative operating model would allow the bank to make operations more efficient while freeing employees to pursue new revenue-generating opportunities, while meeting and exceeding customer expectations.

Strengthen competitiveness, better serve customers and drive profitability were the key objectives for the European bank. A robust future-ready operating model was required.

When tech meets human ingenuity

The bank and Accenture zeroed in on principal banking activities like payment processing, factoring, and document management services. Manual paper-based processes were digitized, automated, and checked for conformity. This was critical to ensure the bank’s documents met compliance requirements, which included having the right signatures.

Teaming with Accenture, the bank used SynOps to a digital operating model that integrated artificial intelligence (AI), analytics, automation, data and talent. A new touchless process transformed conformity checks to ensure they used consistent evaluation criteria, included accurate signatures and accurately managed exceptions.

Following this successful transformation, the bank commissioned Accenture to also help manage its digital marketing, pension fund administration, e-procurement (including vendor and catalog management) and factoring.

A valuable difference

Bank employees can better solve complex problems by making use of analytics and data-based insights. They can also predict what customers will want more accurately. These new abilities will boost the bank’s competitiveness in the years ahead.

The managed services arrangement with Accenture is continually expanding. As it does, the bank’s confidence in its intelligent operating model grows. And as the new model enhances the agility and responsiveness of the business, it helps the bank withstand the industry’s volatility and grow business value.


productivity gains across multiple processes.


boost in productivity using touchless and technology-enabled conformity-checks.

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