Financial Services

Digital Evolution: Rotterdam Bank’s Transformation Journey

Client Profile

A specialised Rotterdam bank with two branches, 35 employees and €200 million in assets under management, focusing on local SME banking and private mortgages.

Challenge

The bank struggled to compete with larger institutions while serving their loyal SME customer base. Their critical pain point was an outdated mortgage approval process taking 12 days, particularly affecting their self-employed clients.

Our Approach

  • Evaluated core banking systems
  • Mapped SME customer pain points
  • Identified critical modernisation priorities within budget
  • Upgraded core banking platform
  • Implemented SME-focused digital services
  • Created streamlined document processing
  • Developed cost-effective mobile portal
  • Redesigned mortgage workflow for ZZP clients
  • Integrated Dutch credit checking
  • Implemented digital document verification
  • Created application tracking system
  • Trained existing staff on new systems

  • Implemented a simplified CRM system
  • Developed efficient customer service protocols
  • Created performance monitoring tools
  • Launched basic mobile banking app
  • Introduced video meeting options
  • Streamlined onboarding process
  • Added secure messaging

Results

Reduced mortgage approval time from 12 days to 3 days

Increased customer satisfaction score from 7.2 to 8.8

Achieved 55% digital adoption rate among SME clients

Reduced operational costs by 28%

Grew SME client base by 25%

Maintained a 98% customer retention rate during the transformation

Increased local market share by 12%

Unique Success: SME-Focused Mortgage System

The standout achievement was developing an efficient mortgage system specifically for small business owners. This innovative approach:

  • Streamlined documentation for self-employed applicants
  • Integrated with Dutch tax records
  • Enabled flexible assessment of business income
  • Maintained personal service while improving efficiency

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