Thriving in the nexus of disruption and change
Customer expectations, digital advancements and shifting regulatory dynamics are reshaping the banking industry. Can banks adapt fast enough to remain competitive?
We help banks thrive. Whether exploring new sources of value, re-envisioning business models and ecosystems, pursuing innovation or defining and navigating transformative shifts, our tailored, actionable strategies point the way to sustainable growth.
An industry at a crossroads
Across traditional consumer and commercial models, as well as in neo banking, leaders face the challenge of defining change or being changed.
A profound transformation is sweeping through the banking industry, driven by evolving customer expectations and a rapidly shifting competitive landscape. The modern customer demands seamless, personalized and always-on experiences, compelling banks to fundamentally rethink their traditional business models.
This involves moving beyond conventional profit mechanisms to embrace new strategies like embedded finance, which integrates financial services directly into third-party platforms, and data monetization, which leverages customer insights to create tailored products and revenue streams.
This customer-centric evolution is both enabled and challenged by a confluence of broader technological and environmental shifts. AI is no longer a futuristic concept but a core enabler of hyper-personalization, intelligent risk assessment and operational efficiency. Simultaneously, new regulations are reshaping the industry's operating environment.
To succeed, banks must modernize their core infrastructure with API-enabled, cloud-native architectures, foster a data-centric culture, and blend technology with human touch by adopting a hybrid service model. This integrated approach, which also includes a commitment to an AI-first strategy, is essential for navigating the rising competition from scaled platforms, non-banks and a diverse range of fintechs.
Expert guidance to help you move with clarity, confidence and impact
When faced with disruption and change, you need bold, practical solutions. Our teams bring clarity and creativity to every engagement — co-creating solutions that drive measurable results and lasting advantage.
Focused on outcomes, not just advice
Our Financial Services practice is built for pivotal moments — when clarity, speed and impact matter most. We partner with leaders to tackle disruption, drive growth and create lasting value. Senior-led and hands-on, we bring strategic insight, industry depth and a focus on outcomes. Whether you’re evolving your model, entering new markets or shaping long-term strategy, we help you lead with confidence.
We serve clients across a wide spectrum of needs — here are just a few stories
Customer experience strategy for a commercial bank
- Designed customer experience (CX) action plan for a large retail banking institution
- Assessed current vs. ideal state of CX strategy to identify gaps and formulate strategies to address them
- Iterated with management via workshops to build strategy that aligned with business objectives
Customer segmentation and prioritization for an SMB lender
- Assessed the U.S. SMB market opportunity for a financial lender
- Identified lending and servicing needs by segment (size, industry, geography, financing needs)
- Identified preferred product and servicing strategy by priority segment
Digital banking growth strategy for a diversified regional bank
- Established a digital banking strategy to broaden asset-light means of distribution while balancing customer service
- Designed and launched a transformation management structure and related governance and guiding principles
- Developed a customer-centric growth strategy built on client needs and institutional trust
Platform strategy for a family office
- Evaluated the customer pain points related to current channel, operations and related technology (e.g., prop tech, third-party vendors)
- Identified opportunities to deliver an improved customer/operational experience for internal stakeholders by optimizing tech deployment
- Developed an implementation roadmap to outline the phased implementation of tech
Stablecoin pilot strategy for large U.S. regional bank
- Developed market perspectives on stablecoins, key players, service providers, and use cases for bank-led services
- Outlined steps, scenarios, and strategic considerations for market entry, with recommendations on implementation models
- Iterated with management to align key recommendations with the bank’s strategic priorities and operating model