Business Banking
of the Future

We are a community of financial industry experts with a mission to pave the way for client-oriented future banking.

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What we want
to achieve

Increased client expectations, emerging challenger banks and falling
financial industry profits are causing financial institutions to seek new,
more flexible and cost effective business setups. Here’s where we come in.

We aim to use our collective experiences and vision to put forward recommendations on how technology can improve the financial industry processes.

Members of the Community

The current situation

Through our research into the banking industry, we discovered several key challenges that need to be addressed.

Challenges

Client’s demand for digital change towards more convenient and automated services

Regulatory-related expenses and risk costs due to the epidemic situation

More regulatory and legal rules extending current business processes

High profitability pressure caused by increasing taxes for financial institutions

Challenges

Fintechs competing with banks by servicing clients in new and attractive ways

Client’s demand for digital change towards more convenient and automated services

More regulatory and legal rules extending current business processes

High profitability pressure caused by increasing taxes for financial institutions

Regulatory-related expenses and risk costs due to the epidemic situation

Fintechs competing with banks by servicing clients in new and attractive ways

Our workshop
summaries and reports

Find out more about the proposed solutions that we came up with in our workshops and read our report on the ingredients needed for effective and user-friendly onboarding.

Workshop 1

Credit-focused

Throughout the workshop, we collaboratively decided that our main focus area should be on designing a solution that supports businesses with daily operational tasks. We came up with a number of potential solutions, but the winning one was Pay-by-factoring—a solution that focuses on improving the experience of digital invoicing.

Workshop 2

Focused on client needs

We decided that our main area of focus for the second workshop should be on introducing a virtual branch for business customers and ensuring a satisfying customer journey. Our winning solution was a banking app that predicts client’s needs, instantaneously responding to feedback and creating a fully personalized digital service.

Report

Onboarding for banking customers

The customer experience at leading banks and fintechs is undergoing a revolution. Technological innovation has brought with it a whole wave of changes, meaning that account holders can perform a whole range of tasks which could previously only be done in-branch. But how can banks and FinTechs get the client onboarding experience right? We delve into the subject with two experts.

Find out more about our initiatives and join us

Feel free to reach out to me using the details below to find out how we could work together to deliver effective future banking solutions.

Karol Stępień

karol.stepien@10clouds.com
+48 535 501 111

Organizer & Partners

10Clouds is a team of 130+ skilled developers and designers, ready to help you build your web and mobile applications. Our expertise in web and mobile technologies, including Agile and Lean practices, will take your business venture from an idea to reality.