Retail Banking

Boosted by the expectations of the millennia, the arrival of fintech, and the need for more connected services, the major banking groups are renewing themselves. Experts in new technologies and customer experience, VO2 Group consultants and experts support retail banks and specialized financial companies (consumer credit, leasing, real estate, real estate) in their digital, organizational and IT transformation.

Transformation & challenges

In a highly competitive market context and a complex regulatory environment (negative rates, Brexit, EMIR reporting, MIFID 2, etc.), no area is immune to transformation by digital and AI. Our teams support banking groups with an in-depth understanding of the sector and a dual tech and customer relationship DNA.

Organization and processes

Implementing agile organizations, creating added value in the services, push new business models… beyond the profound technological changes, it is also on the improvement of processes and business performance that retail banks are constantly focusing their efforts, with the support of our teams.

IS and Fintech Transformation

We are involved in the sector’s main business lines (credit, payment methods, savings, etc.), in migration projects, dedicated IT or software up-grades, as well as in the pure digital transformation of banking services. At the heart of the fintech ecosystem, we bring more and more value to our interventions.

Our services
Consulting in operational & organizational transformation
Audit of processes, organizations and their agility, definition of TOM, control mapping, Target organization framing.
IS and solution strategy Consulting
Master plan, RFI/ RFQ drafting…
Start-up ecosystem monitoring, support to start-ups solutions implementation in large groups/scale-up, partnerships.
Interim management
CIO or Business Management.
Lean Management, Design Thinking
Animation / deployment of project framing methodology.
Project support in agile mode
Agile coaching of our clients (SCRUM, KANBAN), analysis of the existing situation and recommendations, support to agile teams (PO / SCRUM MASTER), repositioning and optimization of agile processes.
Regulatory developments (GDPR, FRTB, PSD2...)
Support in the evaluation of IS and organizational impacts.
Support for business lines in the implementation and optimization of nearshoring projects.
Re-engineering of processes
Optimization, process automation.
Project Owner
Steering, coordination of business activities / CIOs and complex project management, audit and framing, functional specifications, organization and monitoring of revenues/ TAU and end-to-end, support of administrative teams, post-implementation and production (run) support.
Project Manager
Feasibility study and costing of solutions, technical specifications, design and modeling of applications or new functionalities, assistance with the technical and functional implementation of solutions, management of the technical acceptance and integration phases, drafting of documentation.
Customer or Employee Centered Experience
Project framing and implementation of the Salesforce ecosystem (Sales, Service, Commerce, Platform, B2B, Collaborative…).
Digital Factory, web and mobile services
Framing, UX/UI design, creation and development of web and mobile applications.
Data Management
Big Data architecture framing, data governance, database migration and on-premise or cloud data storage, ETL (Talend), data quality.
Data Visualisation
Framing, support for implementation and appropriation. (Qlik, Table, Thoughspot)
Innovation through data science and AI
Sales/risk forecasting model, fraud prevention and detection, RPA, AI-Bots, R&D/ POC AI/ support in the industrialization of algorithms with the help of our AI Lab.
Fintech innovation
Implementation project management, project and team coordination, methodological support, support for the apprehension of business and technical environments.
Change management
Deployment audit – users, geography, business, resources -, action plan and roadmap, framing and implementation of drivers, KPIs and monitoring tools, user assistance, writing of user guides/operational procedures, deployment of exchange tools – chatbot, gaming platform…
Roll-out support
Configuration and deployment of software packages and associated processes throughout the customer environment (France and international), management of project communication, continuous optimization of the solution in conjunction with TPM.
Lean six sigma, Agile methods, Scrum, acculturation AI.


For a tailor-made support & and an increased experience, come and challenge your projects with our Digital Factory, UX Studio and LAB teams.