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Retail Banking and Payments

Sia Partners has developed an international expertise in retail banking in all client segments: Individuals, Professionals, SMEs, Corporate. Our interventions cover challenges necessary for transformation: payments, AI, RPA, data, distribution, marketing, product design & development, SFS, ...

Offerings

Organization
Cash Management
Corporate
Professionals & SME
Products & Services in Retail Banking

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Organization

We help our clients manage complex projects, increase their operational efficiency or set up agile organizations to facilitate innovation. We carry out audits of the existing structure (middle/back) to identify areas for optimisation.

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Branch Management and Optimization

Sia Partners defined its client's new organisation. This reorganisation led to a reduction in structural costs (optimisation of the hierarchical pyramid, reduction of Head Office staff) and a redefinition of the Head Office - Network organisation for Retail Banking.

Cash Management

We can help build an enriched Cash Management offer for our customers, bringing new, value-added products, as well as real-time transparency in order to guard against new entrants.

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Cash Management Strategy Review

The review consisted of identifying our client's possible differentiation strategies, analysing market and competition trends and interpreting these results in order to define a strategic course and roadmap. At the end, Sia Partners provided operational support.

Corporate

We help our clients address their large corporate clients. We support them in implementing strategies in the following areas: service provision for large remitters, data protection, anti-fraud, compliance and digitalization of their offers.

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Implementating a Corporate e-banking Strategy

Sia Partners conducted an analysis of the banks' offer, competition and positioning. As a result, we produced our client's medium to long term roadmap, including the implementation follow-up and piloting the related marketing plan.

Professionals & SME

Against a backdrop of low interest rates and the maturity of the Personal segment, we help our clients find NBI in the under-exploited Professional and SME segments, by activating new growth levers and creating new products adapted to the needs and tools of these segments.

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Definition of a Strategic Plan in the Pros/SME Market

As part of defining a strategic plan, Sia Partners analysed and conducted a review of its client's portfolios, product offers, commercial actions and objectives. At the end, we drew up a trajectory (NBI, expenses) to conquer the corporate market.

Products & Services in Retail Banking

We support our clients in optimising and renovating their existing offers in order to meet current customer needs and to develop growth drivers around banking and non-banking services with added value for the customer.

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Definition of a Financing offer for individuals

To define its client's offer, Sia Partners benchmarked existing offers on the market, recommended areas for improvement, formalised the different customer paths (subscription and consumption processes) and built a profitability and business model.

Specialized financial services

We help our clients, the financial players, to define, optimise and digitalise their offers in terms of factoring, bonding and guarantees, leasing or consumer credit while optimising their processes.

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Study of the European Bank Leasing Market

Sia Partners has identified the main players in the leasing market, collected quantitative/qualitative information for all market players, found partners and targets for its client and, finally, produced recommendations on development opportunities.

AI & RPA

Sia Partners mobilises internal and external expertise (partnerships) to support our clients in identifying the various opportunities offered by Artificial Intelligence technologies, particularly business, and in optimising costs through process automation.

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"Financial Analysis" BOT

Our tool allows us to predict a company's financing and cash flow needs in order to identify business opportunities. By capturing and analyzing a large amount of financial data, our solution allows a better commercial targeting of prospects in need of financing.

Open Banking

Convinced by the business aspect of Open Banking, we support our clients in the implementation of their Open Banking strategy to anticipate the consequences of the disintermediation of the customer relationship by developing APIs and building an open ecosystem.

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Open Banking Strategy for Corporate Clients

We conducted a critical analysis of the existing offer for our client, identified the priority use cases and defined the operational models before writing associated Business Cases (expected gains, envisaged costs and value sharing model).

Data

We support our clients in auditing and data mining to reinvent the way they work by enhancing the use of internal data & improving the customer experience through customer data. We develop bots to optimize the management and usage of data.

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"Customer Satisfaction Analysis" BOT

We have developed a bot to analyse customer satisfaction with bank branches, based on Google reviews. This tool allows our customers to compare the performance of branches, to make decisions on the evolution of their network and to meet customer expectations.

Payments

Sia Partners has a solid expertise in payments chains thanks to our multiple references as well as monitoring of industry. We help our clients build innovative payment services while strengthening their security.

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Implementing Instant Payment

Sia Partners helped one of the leading French retail banks in building an online instant transfer offer targeted at professionals and businesses. We designed the service, defined the banking process, monitored the conception and helped the organization manage the changes.

Marketing

Sia Partners combines its business and marketing expertise to build innovative services and improve customer acquisition and retention. We help our clients optimize their net banking income by leveraging their pricing methods, customer segmentation, process optimization and product launch.

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Studying Revenue Model

We have analyzed different disruptive innovations (FinTech, banks, insurance) and the strategies employed in other markets that have been disturbed by new entrants in order to formalize recommendations on how to best adapt revenue models.

Distribution

Sia Partners helps retail banks with their different strategic initiatives: adaptation of their territorial networks, improvement of their customer experience, redefinition of their distribution model, omnichannel, marketing initiatives and sales management.

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Defining Tomorrow's Branch

We help our clients define their ideal branch model based on :

- benchmarks,

- studies of the different innovations available in branches (tablets, digital walls, videoconference, etc.),

- as well as the description and analysis of the latest banking innovations (+60 use cases).