Over a five year period, Xonetic played a key role from the first "blank sheet of paper" conversation, through technology choices and selection, into delivery and finally within business adoption and value realisation.

We enabled technology teams to deliver strategic, regulatory, and customer outcomes. A major contributor to this was enhancing the banks technology design authority so that it covered digital, data, cyber, risk, compliance, architecture and product needs around a shared blueprint. This formed the basis for our BRIDGE methodology, which creates integrated governance, clear sequencing, and a drives sustainable delivery rhythms across complex multi-year programmes.

Customer experience improvement was central to the Human Digital ambition. We applied financial services domain expertise to support redesign of lending and savings journeys, reducing decision times from weeks to hours. This included sourcing and implementing enhanced AML/KYC prevention capabilities, including ID&V and sanctions/PEP controls.

Finally we supported delivery of the bank’s new mobile banking app and the underpinning omnichannel service model, which continues to evolve presently.

We supported the shift to agile operating models, embedding best practice from SAFe and the our own Way of Working methodologies, ensuring good day-to-day practice and reducing the gap between business and technology teams.

To elevate resilience and security, we worked closely with the Hyperscale Cloud Partner, to ensure a modern tokenised cyber architecture, established API and cloud integration patterns, and provided detailed technical subject matter expertise on many aspects of the journey alongside our interim Chief Architect leadership.

We strengthened data foundations by designing a new cloud-based data services architecture, covering integration, reporting, visualisation, analytics and ML/AI readiness.

Finally regulatory alignment formed a major part of our role. We supported the implementation of PRA frameworks, for example designing cloud applications, and commercial obligations to meet CP19/32, which later become operational resilience, ensuring the bank was set in advance for this important change in regulation. Our approach also included Outsourcing, Open Banking, Payments and GDPR regulations.

Alongside this, we led sourcing and vendor optimisation, generating multi-million pounds of savings across a seven-year horizon through smarter contracting and operating model efficiencies.