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There’s a simple test that changes how you look at every digital proposal. When a shiny demo appears in the boardroom, the CFO needs only two words: “So what?” If the answer isn’t tied to an EBIT variable, it’s theatre. The working formula keeps you honest: EBIT = (# of [active] clients × Average Assets × Average RoA) − Cost. Run digital like a P&L engine. Declare which variable you will move, by how much, by when – and prove it in production, not on slides. The big profit po

Every bank has them: clients who rarely log in, ignore nudges, and quietly sit on balances that never meet an offer. They don’t complain. They just don’t act. In most portfolios, 25–40% of clients fall into this “dormant” bucket. They typically contribute less than 10% of revenues while consuming more than 25% of costs through servicing, compliance, and platform overhead. In Wealth, many hold billions in idle AuM that never become a mandate, a Lombard line, or a structured en

Emerging technologies promise the world and often deliver a proof of concept. What businesses need, however, is a proof of value – visible impact on clients, employees, and the bottom line. That is exactly what our Pragmatic Accelerator is designed to achieve. It moves you from exploration to execution in weeks, not years, by stitching together the capabilities you already own with the innovations you actually need. Think of your digital organization as a living body. The Fac

Insurance is positioned between two digital waves. The first has focused on digitizing the customer experience – simplifying sales, onboarding, and claims. The next, already emerging, is shaped by GenAI and agentic automation. Despite visible progress, key opportunities remain where customer experience transformation still struggles to translate into tangible commercial impact. These represent the core levers of value creation: Uplift servicing & engagement to increase NPS an