Banks
Our clients active in retail banking are often faced with:
Less branch visits
Personal contact
Cost
Communication
Keeping up with technology and your clients
Retail banks are faced with big challenges to keep up with rapidly evolving new technologies and the shift in customer behaviour. While clients expect their banking experience to be personal and tailored to their needs, they also expect a high degree of digitalized services that allow them to carry out operations independently and at their best convenience. To stand out from their competition and give their customers the unique banking experience they expect, banks will have to correctly balance technology and human interaction.
Gambit's solutions were specifically designed to address the evolving banking industry, and we have successfully helped our clients to overcome the challenges they were facing.
Use Cases
Axa Bank Belgium
Axa Bank Belgium is a Belgian retail player within the banking sector.
This market is very competitive with many players and a low interest rate that impacts the profitability of the sector.
Axa was looking to streamline the in-branch investment advice sessions between a customer and an advisor. The collaboration with AXA was performed in two phases :
- Phase 1 : Why invest ?
- Phase 2 : How to invest ?
Phase 1 was implemented at the end of 2017 with the development of a Pension Tool simulator. The idea was to calculate the gap between the legal pension and the desired lifestyle after retirement.
Phase 2 was rolled out in June 2019 to the branches of the bank. This phase consisted in a multi-objective investment advice session including a straight-through processing of order execution.
Beobank
Beobank is part of the Credit Mutuel Nord-Europe group located in France.
Beobank's investment strategy is a key element in the development of the bank.
Together with Beobank we have developed a digital investment advice solution based on the methodology bellow :
- 365° personal financial situation
- Asset allocation based on 3 pockets distribution: Cash, Protection, Growth
- Investor profile (based on risk profile, investment horizon, knowledge & experience)
- Investment proposal (based on the model portfolio of the bank)
- Signature and buy process
- Quarterly wealth management statement and yearly follow up