TIBCO Software > Case Studies > BNL Transfers to Digital Banking and Reduces TCO by 25%

BNL Transfers to Digital Banking and Reduces TCO by 25%

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Customer Company Size
Large Corporate
Region
  • Europe
Country
  • Italy
Product
  • TIBCO BPM
  • TIBCO Integration
  • TIBCO Event Processing
  • TIBCO Analytics
  • TIBCO Master Data Management
Tech Stack
  • SOA
  • Agile Methodologies
Implementation Scale
  • Enterprise-wide Deployment
Impact Metrics
  • Cost Savings
  • Customer Satisfaction
  • Productivity Improvements
  • Digital Expertise
Technology Category
  • Platform as a Service (PaaS) - Data Management Platforms
  • Application Infrastructure & Middleware - Data Exchange & Integration
  • Application Infrastructure & Middleware - Event-Driven Application
Applicable Industries
  • Finance & Insurance
Applicable Functions
  • Business Operation
  • Sales & Marketing
Services
  • System Integration
  • Software Design & Engineering Services
  • Training
About The Customer
BNL, part of BNP Paribas, offers a wide range of products from banking services to financial insurance using both traditional and innovative media. Its new Hello bank! is the first 100% digital mobile bank in Europe, designed for a new generation of digital consumers. BNL aims to extend Hello bank! globally, leveraging its strong infrastructure to provide innovative banking services flexibly. NTTData, established in 1967, has played a crucial role in advancing IT infrastructure for large-scale, mission-critical systems, and partnered with BNL to achieve their digital transformation goals.
The Challenge
For its new always-on, all-digital Hello bank! project, BNL aimed to improve customer acquisition by offering innovative, customer-focused banking services. The project required implementing new technology and staying updated with technological innovations. BNL faced several challenges, including transitioning from traditional, manual workflows to digital business processes, reducing costs, and moving from centralized back-office management to distributed management. They needed a robust infrastructure for application integration due to the heterogeneous applications built over the years, which lacked standardization.
The Solution
To quickly acquire the necessary technologies and best practice methodologies, BNL collaborated with NTTData to establish an in-house TIBCO competency center. NTTData's experience with SOA and TIBCO’s business process management solution facilitated the implementation project. They used standard methodologies and their banking industry experience to assist BNL with project management and agile methodologies. BNL and NTTData designed a new back-end infrastructure to manage transactions from various channels, including SMS, mobile phone purchases, self-service kiosks, contact centers, ATMs, and computers. The new infrastructure, incorporating TIBCO BPM, integration, event processing, analytics, and master data management software, orchestrates and executes responses across all channels, enhancing overall performance and enabling a true multichannel customer experience.
Operational Impact
  • BNL's new TIBCO infrastructure has a lower total cost of ownership compared to previous systems, reducing TCO by 25%.
  • The transition from complex manual workflows to fully integrated, automated workflows improved time to market through business process automation.
  • BNL can now monitor processes end-to-end, including lead time of activities and internal personnel workload.
  • The multi-channel customer experience allows customers to start a banking request on one channel and finalize it on another with full security and data integrity.
  • The competency center has prepared BNL to innovate and adapt to changing banking needs, with plans to extend the technology within BNL and the BNP Paribas banking group.
Quantitative Benefit
  • Reduced total cost of ownership by 25%.

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