Use Case Retail bank

Digital business model development at a leading retail bank

The company

Leading retail bank in Germany and Austria.

The initial situation

The digital, customer-centric services of FinTechs represent a new kind of competition for established financial institutions. In order to continue to operate competitively in the future, traditional houses see the digital development of their business model as the next logical step. However, experience shows that the difficulty of "interlinking" existing products with new services intelligently and addressing additional customer groups is significantly underestimated.

The approach

The development and introduction of a personal finance management application (PFM) with subsequent business model definition & embedding is intended to drive the digital transformation at the customer. The foundation for this is provided by 4C's own customer-centric lean service creation approach, in which creative processes are combined with a structured approach.

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