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Redesign Digital Banking 

with Peer-2-Peer Credits

We worked with one of Europe’s largest banks to execute on their essential ideas for an untapped market.


Our client has a long history in the B2C market. Nevertheless, new digital offers like Paypal and Bitcoin began to question their traditional customer offers. It was about time to wrap up their internal discussions around ideas and create facts for their existing and for untapped markets. 



Together with our client and our team of experts we identified the 12 strategically relevant ideas promising ideas. Equipped with first-hand insights from key customers, we designed every idea and defined critical aspects that needed to be tested in the market as early as possible.


We tested all 12 ideas in parallel in two weeks. While some ideas failed early, other ideas made a strong impression. One of the stronger ideas targeted customers who are eager to lend money from peers instead of financial institutions. However, these peer2peer-transactions come with personal costs:

“Lending money to friends and family can be one of the fastest ways to derail a friendship or sour family feelings, so many lenders are turning to financial advisers to formalize loan terms and steer them to sound investments.”

From Reuters

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Boomerang is our client’s upcoming digital service. We developed the architecture in which the bank acts as a middle man between peers lending each other money. Both peers exchange money to their own terms yet also formally agree to the terms of the service that the bank would track if the credit was repaid fully and on-time. The service shows high acceptance among customers. It has the potential to make the peer2peer “black market” accessible to that particular bank. 

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