Leading financial institutions across 40+ countries rely on Zafin’s cloud-native enterprise-wide platform to accelerate the path to digital transformation by shifting a bank’s architecture from product-focused to customer-centric. The path to implementation for a Zafin solution is fully operationalized and highly predictable, with most phase one use-cases up and running in less than six months.

Customer Case Studies

Don’t take our word for it. Hear what customers have to say about how Zafin has transformed their business.

tier 1 retail banking gold

Accelerate Digital Transformation With Expanded Product and Pricing Capabilities

Tier-1 bank externalizes product and pricing to Zafin’s platform as a foundational component of its digital transformation program.

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Challenge

Limited by its product and pricing functionality embedded in its legacy core systems, this Tier-1 faced many challenges, including inflexible product management and pricing, limited customer targeting and delayed time-to-market.

Objective

Focused on transforming its digital banking experience, key objectives included enhanced customer centricity, product agility and time-to-market, as well as the ability to respond with competitive pricing.

Solution

The bank externalized product and pricing to Zafin’s platform, reducing complexity and minimizing execution risk for its digital transformation program.

Result

The bank now processes 35+ million accounts, with an expected annual revenue lift of more than $6 million from deposit products.

tier 1 retail banking gold

Architect to Support Customers’ Life Goals

Digital bank launches multiple highly differentiated customer value propositions.

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Challenge

A Tier-1 bank was preparing to launch a new digital bank as part of its U.S. expansion strategy.

Objective

To differentiate its new digital bank, this Tier-1 bank planned to align its products and experiences with important customer life goals.

Solution

The bank leveraged Zafin’s Rates & Fees and Offers & Rewards products to support four unique digital experiences focused on deposit retention, a cash back credit card bundle, savings goals and merchant-funded rewards.

Result

The bank launched successfully with multiple highly differentiated customer value propositions.

tier 1 retail banking gold

Deliver Personalization at Scale

Tier-1 bank centralizes product data to create consistency and power personalization.

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Challenge

A Tier-1 bank could not consistently deepen relationships with customers due to inconsistencies in its product and pricing practices across the continent.

Objective

Focused on maintaining its market-leading position in digital banking, the bank decided to consolidate product and pricing platforms as a means to standardize product and pricing practices enterprise-wide and deliver personalized products and services to its customers.

Solution

In a two-phased approach, the bank leveraged Zafin’s Product Master to centralize product data from multiple legacy systems and deployed Zafin’s Rates & Fees to enable relationship pricing for its customers.

Result

The bank now manages 30+ products in a central product repository, receives 1+ million API calls per day, and expects to generate EUR 10 million in incremental annual revenue from enhanced pricing strategies and governance related to a single line of business -- mortgages.

What's Possible

Respond to customer needs and competitive challenges at speed with products, prices and offers designed to serve existing customers, attract new ones and build your business. Consider the possibilities.

Enable Journey-Based Banking Experiences

Design relevant, personalized experiences inclusive of products, pricing, offers and services that respond to customers’ needs and aspirations around key aspects of their financial lives in journey form.

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Challenge

Emerging challengers to traditional banks architect their experience around key customer journeys, like buying a home or saving for retirement. Meanwhile, banks are burdened with legacy systems that silo products and inhibit creation and execution of coherent customer journeys.

Solution

Design relevant, personalized experiences inclusive of products, pricing, offers and services that respond to customers’ needs and aspirations around key aspects of their financial lives in journey form.

How It Works

Use Zafin's product and pricing platform as a critical enabling engine to deliver on key customer journeys. Dynamically deliver products, packages, pricing and offers utilizing a full range of customer and account attributes to deliver differentiated value propositions in real time, and execute them accurately down to a segment of one.

Create a Standalone Digital Bank

Stand up a digital challenger bank of your own, leveraging next generation technologies and architectures to define a differentiated value proposition and cutting-edge customer experiences designed to attract and serve new market segments in a changing competitive landscape.

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Challenge

New digital banks and fintech monolines are achieving rapid growth and unprecedented valuations, challenging banks to look beyond traditional competitive responses and historic growth strategies.

Solution

Stand up a digital challenger bank of your own, leveraging next generation technologies and architectures to define a differentiated value proposition and cutting-edge customer experiences designed to attract and serve new market segments in a changing competitive landscape.

How It Works

Use Zafin's product and pricing platform as a key strategic component of your digital bank technology stack to create and execute even the most complex conditional offers and cross-product packages efficiently and consistently.

Replace or Modernize a Bank’s Core Systems

Progressively modernize bank systems, taking a phased approach that reduces cost, time and risk associated with a complete core replacement and accelerates creation of new customer experiences that generate economic value.

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Challenge

Legacy core systems inhibit banks’ flexibility around delivering new and compelling value propositions for customers: driving up costs for basic business-as-usual functions; slowing time to market for new value propositions; limiting banks’ ability to create personalized experiences; and inhibiting connectivity to broader fintech ecosystems. However, "big bang" core system replacements are expensive, time-consuming and risky.

Solution

Progressively modernize bank systems, taking a phased approach that reduces cost, time and risk associated with a complete core replacement and accelerates creation of new customer experiences that generate economic value.

How It Works

Externalize product and pricing information from legacy cores into Zafin's platform, thereby simplifying core systems to focus on their strengths: scalable, resilient and predictable transaction processing. Dramatically increase flexibility to execute new customer-centric go-to-market strategies.

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