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Bank of Ireland

Reimagining European banking

Shaping three cohesive strategic narratives for business, everyday, and youth banking.

Project type Business design
Year 2024
Industry Digital banking
46% Cost-to-income ratio (CIR)
3% Growth in active digital users

Strategic vision

We delivered a comprehensive Vision 2030, a future-forward strategic narrative and a set of high-fidelity prototypes, to secure investment and align operations for a leading European bank. Our role as an end-to-end design partner involved translating the bank's ambition into actionable digital strategy across three segments: business, everyday retail, and youth banking.

This delivery was critical because the bank needed to reposition itself as a digitally-driven institution to compete effectively against emerging fintechs and meet modern customer expectations.

Three mobile banking screens showing an account overview with savings goals, a card and payments home with subscriptions, and an account safety support view.

The three horizons

This massive strategic transformation was structured around three clear horizons: Digital Foundations (2025) focusing on automation and efficiency; Hyper-Personalization (2027) driving tailored, data-driven customer experiences; and Platform Evolution (2030) transitioning to a model that anticipates future user needs.

The core business goals were ambitious: to increase the business customer base by 3 times in five years, decrease operational cost by 30% through digital adoption, and build a compelling value proposition specifically for Gen-Z and millennials. Design goals included reducing the lengthy onboarding process from 10–15 days to just two days.

Blueprints for growth and automation

The outcome was a comprehensive strategic blueprint, actionable KPIs, and high-fidelity prototypes that laid the foundation for long-term growth. We successfully defined key opportunities across all segments: creating automated workflows and simplifying onboarding for business banking; introducing real-time dashboards and personalized financial insights for everyday banking; and designing engaging features like gamification and financial literacy tools for younger customers.

We equipped the product team with the vision and the measurable KPIs necessary to deliver value, setting the bank on the path to compete effectively with modern digital players.

Laptop showing a business banking dashboard with commercial cards, account balances, quick actions, a transactions table and uploaded documents.

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