Banking and insurance are going through a deep transformation: rates and margins under constant adjustment, growing regulatory and capital pressure, digital competitors and integrated finance-and-insurance models, a better-informed and more demanding customer, and a convergence of data and AI that is redefining distribution, underwriting, risk management and customer service.
We help banks and insurers turn that transformation into measurable results. We work through co-creation, strengthening talent and culture so that the client's own teams lead the change. And we take AI from pilot to operation, which is where results are won: a single business and technology team owns both the design and the roll-out into production, supported by our own set of solutions that deploys on top of the client's architecture without replacing it.
Decide, don't diagnose
We do strategy close to the business: demanding, executable and geared to decisions. We facilitate reflection processes at different levels (company, business line, segment or function) with proven methodologies. The result is a strategy the teams make their own because they helped build it.
We design and implement commercial leadership and management models for large networks, from channel governance through to day-to-day activity. We cover every retail segment (mass market, affluent and private banking) and every business segment (micro-businesses, SMEs, mid-market and corporate), as well as digital sales, with experience in more than 10 countries and networks of up to 40,000 professionals. Today we are bringing AI to the commercial front line to scale the know-how of the best bankers and standardize productivity across the entire network.
In lending, speed is a competitive advantage. We master the end-to-end credit cycle (origination, underwriting, documentation, monitoring and collections), above all in the mid-market segment. We optimize it to gain speed and cut time-to-market. We are agentizing origination and underwriting with AI, and strengthening structuring teams by scaling the judgment of the best across the rest of the organization.
More than 50% of a sales network's time is trapped in administrative tasks. We free up selling time across the network and transform large operations centers, redesigning end to end the processes that consume the most time: complex servicing, product contracting and credit management. We start from the data and the document each user actually needs (not from the inherited process) to design a minimal process with native automation, including an agentic back office, and we deliver it into production with a single team, with no intermediaries.
We are embedded in the fintech ecosystem: we have led fintech launches and we work with corporate clients on incubating new digital businesses. And we align interests all the way: we can even take equity stakes.
Live the culture, don't declare it
Every strategy rests on the culture that carries it. We design complete talent management models (attraction, selection, assessment, development and incentives) aligned with the strategy. We translate culture into observable behaviors and build them into the model by design, so that day-to-day work reinforces the culture instead of leaving it as a statement. And we support Talent functions in reinventing themselves so that, from there, they can lead change across the rest of the organization.
We move sustainability from regulatory standard to growth. We define what counts as sustainable under the applicable rules, translate it into operating and tagging criteria, and on that basis design the offering and the commercial process that activates it, benchmarking the customer against peers and supporting them (with financing) through their transition. We implement the whole thing, mobilizing central services and the network, specialized by sector, with expert sustainability judgment on every banker's laptop.
Integrate fast without missing a beat
In a banking integration, every week gained protects synergies, customers and teams. We have some ten banking integrations in Spain behind us. We accelerate synergy capture without putting operations or customer service at risk, automating the operational work of integration so that senior judgment is reserved for what really matters: mobilizing teams and supporting management on the critical decisions.
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