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WiZink - Complex Cards Business Transformation

WiZink, a bank that specialises in credit cards & simple savings solutions, use Savantor's migration, technical and business specialists to help ensure successful cards transformation

WiZink is a bank that specialises in credit cards and simple savings solutions that respond to its customers' day-to-day needs. In June 2014, Banco Popular reached an agreement with Citibank to acquire its consumer banking business in Spain. In December of the same year, Banco Popular announced the agreement with Varde Partners to sell it a 51% stake in Bancopopular-e, which included Banco Popular's own payment cards business and the one acquired from Citibank Spain. In June 2016, Bancopopular-e changed its brand to WiZink and its institution legal name to WiZink Bank, S.A.

The first challenge was to migrate cards from Citi. A programme was established to design and implement an End-to-End cards processing platform for over 1m Citi cards and in readiness for expansion to about 5m. The programme would also build the supporting business functions for a new bank, including Finance, Credit Risk, Fraud and Operations.

In common with other banks, change and complexity on this scale is an infrequent event and WiZink did not have sufficient relevant experience or resources in-house. WiZink asked Savantor for support due to their deep expertise in card migrations and business operations from previous programmes in Spain, UK and other areas of Europe.

The solution

Savantor provided deep experience and highly skilled consultants in crucial areas to complement the existing team. Savantor identified and supplied experienced individuals at different stages as the programme developed.

The engagement

A large Savantor expert team spent 18 months helping WiZink establish the environment, prepare and integrate updated components, set up operations, then test and deliver a successful card migration and business transformation.

Savantor’s team undertook the following:

  • Workstream leads for Implementation, Business Readiness and Infrastructure.
  • Senior Project Managers for Partner Delivery.
  • Data Migration project manager, integration analysts, live proving and schedule of events planners.
  • Business Analysts and Solution Analysts.
  • PMO reporting, planners and support staff.
  • UAT Managers, Defect Managers and testing support.

The benefits:

WiZink benefitted from Savantor's specialist skills:

  • Savantor provided a wide range of skills to fill specific and critical roles on the programme.
  • Savantor's card transformation experts were selected using a mix of in-country specialists and international practitioners.
  • WiZink commented that the Savantor resourcing team were reliable, focused and available whenever help was needed.
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Client Quotes

Issuer and Acquirer Transformation - Assessment and Mobilisation

"We were in urgent need of external independent expertise to supplement our internal resources. Senior consultants had to quickly integrate with a diverse team from across the bank and actively contribute. I am pleased to say that Savantor was able to deliver on our needs as well as being good people to do business with."

Lars Bostrom, Head of Cards - Nordea - Scandinavia

New Fuel Card Guidelines

"Savantor successfully assisted Clear2Pay by providing specialist EMV expertise."

Marie Costers, General Manager - Clear2Pay Open Test Solutions

EMV Migration Planning

"It was a strategic imperative for the bank to be EMV compliant for our payment cards and the experience that Savantor brought to the company has proved to be invaluable."

Eddie Sweeney, Chief Technology Officer - AIB Bank - Ireland

Interchange Review

"Savantor did a superb job in confirming what we believed was an area of weakness. The detail we now have will enable us to agree internally what we need to do to improve structure, control and income. Nationwide management were very impressed with the quality of the Savantor team."

Adam Slater, Senior Manager - Banking - Nationwide Building Society - UK

Credit Card Launch

"Savantor's knowledge and experience were the key differentiators in selecting them and they contributed greatly to the success of the product launch and the effectiveness of the ongoing operational service."

Toine Schepers, Operations Director - Primeline - The Netherlands

Commercial Card Migration

"Execution at its best. We're delighted that this project has been truly outstanding and received an award from 'The Banker'. Savantor provided crucial expertise that helped us keep all our promises in terms of delivery. The scheduling, planning and control regime throughout was excellent."

Chris Mason, Director - Commercial Cards EMEA - Citi - UK

Platform Selection

"Savantor's support in our platform selection process has enabled us to sustain our profitability and positioning for the future. Their advice and guidance was essential to our decision-making."

Robert Lambert, Head of Cards Strategy - Permanent tsb bank - Ireland

Business and Platform Strategy

"Savantor successfully advised Rabobank during preparing of the platform migration for cards. Savantor demonstrated thorough knowledge of business processes and market players combined with a practical approach."

Evert Fekkes, Business Information Manager - Rabobank - Nederland

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