Client Success

The UK-based bank revolutionizes the property development loan segment with AWS-backed digitization

GB Bank is a new-age financial institution that aims to boost economic growth across the UK’s underserved regions by providing accessible property development loans and competitive savings accounts.

The Challenge

The client wanted to leverage the right technology to build an ecosystem of client solutions to offer tailor-made services to its customers. It adopted a host of cloud-based solutions across core banking, commercial lending, savings, and regulatory reporting. For these solutions to work seamlessly, the client needed holistic tech assistance from a trusted system integrator and a reliable AWS solutions partner.

The Solution

GB Bank selected Persistent based on its strong history of collaborating with challenger banks and a deep understanding of building and delivering robust digital infrastructure support. Leveraging Persistent’s ‘digital mosaic’ model, Persistent created a customized cloud architecture that supported GB Bank’s vision. This allowed GB Bank to select SaaS-based technology solutions that empower them to deliver personalized customer experiences.

Persistent extended its Digital Bank and Credit Union Solution — a robust and flexible technical platform with a microservices based integration layer and pre-built integrations at the core. This allowed the selection of technologies best suited to deliver on the unique vision of the bank. Persistent’s solution provided flexibility to easily add or replace specific technologies, avoiding vendor lock-in and creating a future-proof architecture that can evolve with the bank’s growth strategy.

Persistent provided a digital-first banking infrastructure to enable the client to work efficiently with other imperative cloud-based solutions. It ensured that Mambu (core banking solution), nCino (commercial lending solution), its own proprietary digital savings banking solution and several other applications to seamlessly run on this newly created platform.

The Outcome

With all the systems now in place and powering its overall operational capabilities, the neobank can offer a connected banking experience to its customers. It enjoys the flexibility to integrate any solutions to the core banking system in line with the evolving demand and business dynamics. It is now well-positioned to handle a high volume of deposit, loan and credit processing transactions. Moreover, the platform will enable the bank to lend £3 Billion over five years, building a £1 billion-plus balance sheet.

Technology Used
  • AWS
  • Mambu
  • OutSystems

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