PHILIPPINES TIER-1 BANK

An omnichannel Backbase digital bank, built on a new API layer and run by a Center of Excellence

A Tier-1 bank in the Philippines serving 10M+ retail customers and 200,000 SMEs, operating in a rapidly evolving digital banking landscape. Facing increasing competition from digital-first players, the bank needed to modernize its technology stack and accelerate innovation to stay competitive.​

40%

it cost reduction

2.2x

Release frequency

↓60%​

onboarding time

At a glance

Client

Tier-1
Philippines
Bank

Engagement Model

Center of Excellence

platform

Backbase
Temenos

Team Size

35-member hybrid team

Three problems, one root cause

A fragmented technology stack was slowing the bank down just as digital-first competition intensified.

FRAGMENTED ARCHITECTURE

Disjointed core banking integration (Temenos T24) with no API layer, limiting scalability and system interoperability.

INEFFICIENT DELIVERY MODEL

Long release cycles (10–14 weeks) and heavy dependency on vendors consuming ~68% of the IT budget.

COMPETITION & AGILITY GAP

Growing competition from digital-native players required faster innovation, and reduced time-to-market.

A unified platform,
owned end to end

A Backbase digital banking platform on a scalable integration layer, with one hybrid team owning the flow from front end to core banking.

Digital Banking Platform

Delivered omnichannel banking (mobile, web) on Backbase, with eKYC onboarding, loan origination, and a modular UI framework.

API Integration Layer

Built a scalable integration layer including an API gateway, Temenos connector, payment hub, and open finance APIs.

Center of Excellence Model

Deployed a 25-member hybrid team (80% offshore / 20% onshore Manila) with full ownership across frontend, middleware, and core backend.

The numbers behind
the transfer

Deep financial services experience, proven across banking ecosystems — not a generalist systems integrator that also happens to serve banks.

$3.1M annual savings, with payback in 8 months.

Test automation coverage increased to 81% from the original 22%

Digital banking NPS improved from +22 to +47.

Release cycles reduced to 3–4 weeks, improved from the original 12 weeks timeline

40%

it cost reduction

2.2x

Release frequency

↓60%

Onboarding time

What powered this engagement

digital banking

System Integration

core banking

Staff Augmentation

Real BFSI transformations,
with the metrics that resulted.

Every engagement is measured by outcomes, not activity. These case studies showcase the impact of specialist expertise delivered at scale.

© Finative 2026. All rights reserved.
Privacy Policy · Terms of Service · Cookie Settings