Setting up a digital bank from scratch

Setting up a digital bank from scratch

Digital bank

Crédit Agricole Consumer Finance, a leading European consumer finance group wanted to set up a full-fledged digital consumer finance institution in Spain. The result was SoYou, a 100 per cent digital bank for businesses and consumers, launched in the autumn of 2019.  

SoYou’s objective is to make consumer finance clear and simple for customers by making it easier to understand, underwrite and manage. The product offering will initially consist of personal and consumer loans, revolving credit lines, consumer appliance leases and loyalty cards. SoYou’s first focus was to develop and launch point-of-sale financing for new and used vehicles and for services and consumer goods.

Setting up a digital bank from scratch was a challenge that ITDS was happy to accept. But the team had many questions to answer. Such as how to align the worlds of business and IT in a way that everyone understands each other, for example, and how to integrate and streamline all processes in a complicated IT architecture landscape that involves over 20 different software providers. That’s where we came in.


As a partner of the main software provider, Sopra Banking, ITDS was asked to support the implementation of the core banking system and integrate it with the roadmap of SoYou’s business needs. We were also asked to advise on building and designing interfaces that will be ready for integration with third-party software and services. Specifically, these were software and services for merchant and customer onboarding, CRM, the decision and scoring engine, the digital signature, document management, financial calculations and OCR.


ITDS chose a step-by-step approach.

1: An asset-lending customer journey

ITDS provided business expertise on asset lending, particularly for the consumer finance industry. We prepared a customer journey, based on an analysis of the latest market trends of consumer needs related to financial instruments.

2: Technical design and development expertise for integration with third-party providers

ITDS connected the client’s business requirements to the functional and technical aspects of the core banking system. We also enabled the system to connect with third-party providers.

3. Implementing a methodology

We implemented a methodology to adapt all core system functionalities. This was realised by combining the waterfall approach (focused on time and budget) with an agile approach for the design, development and delivery of the system. This combination helped us meet the client’s expectations in the best way possible.

4. Delivery of management skills

To do this we first of all focused on observing and understanding the Software Development Life Cycle (SDLC) of all the software providers who are involved. Secondly, we designed and implemented a process of iterative deliveries that merged isolated components into the final product. Finally, we transferred our knowledge by training the client’s team and thus ensuring that they can manage future iterations on their own.

5. Testing simulation

We tested the completed digital product with a simulation of end-to-end-scenarios of daily business activities. Thanks to the results of this simulation, we were able to prepare our client to launch their product without any problems or hiccups.


There is now a new digital bank on the Spanish market! Thanks to its flexible and agile technical platforms, SoYou can offer a 100 per cent digital solution for the B2B and B2C sectors. SoYou is now also expanding its service with personal loans. At ITDS we are happy to be involved as a key partner in these new adventures.


Want to know more about SoYou? Click here.



We’d like to hear from you.
Call us on 020 – 226 01 10 or send an e-mail to




Set up and implementation of a Customer Due Diligence policy

“Making a good start was half the battle”

The challenge facing KAS BANK was to implement a Customer Due Diligence policy and rationalise customer files in a limited timeframe.

In collaboration with ITDS, project manager Marc Brouwer took on the challenge.

A social strategy and implementation for OHRA

“As soon as we were satisfied, they’d raise the bar”

In the space of just a few years the role of Social Media at OHRA has grown from “a nice little extra” to a fully fledged business channel.

Iris Wezenberg – previously Social Media Manager and now Online Service Manager with this Dutch insurer – explains how it all came about.

An international IT strategy and organisational change

“You have to get people onside because not everyone likes change”

In just over 40 years Brunel has evolved from a Delft-based brokerage company into an international service provider employing more than 11,000 people in 37 countries. In many of these countries Brunel used local IT systems, each with its own definitions. To make it all future-proof, all these systems had to be replaced by a single system based on the same standard.

Stefan de Boer, Manager Global IT, tells about the collaboration with ITDS.


 Show all cases


 Show all services

Digitisation and transformation

Read more

Digital transformation is more than just a mobile portal or chatbot; it is a new way of thinking and working. We will gladly help you make the transformation from strategy to implementation. Together, we can transform your distribution channels into digital channels and adapt your product so that it can be processed online. We can also make your processes STP, and transform your CRM system into a platform that will project a real and complete image to the client. Step-by-step, we can help you translate strategy into success.

read more

Process improvements

Read more

Who are the people that can ensure your organisation will perform better – and then permanently cement it all into your culture? Your employees, that’s who. They are the assets that make behaviour and leadership such key performance indicators. If you want to take your organisation to the next level, it’s absolutely crucial to determine what kind of behaviour is desirable, and how this corresponds with your organisational goals. Our Performance Team can help you. We can train your people, assist your HR department, coach your management and collaborate with you in the area of development. We can also measure how these performance enhancers play out in your daily choices and negotiations.

read more

Project management

Read more
We can deliver all your projects, from A-Z. Our project managers and consultants are constantly learning; they have earned their stripes by implementing projects for key players in the financial industry. But that’s just the beginning. We believe that project managers can only deliver good results if they feel at home in your organisation. Only then will they ask all the right questions, investigate anomalies, and sound the alarm if it’s necessary. Every ITDS project manager and consultant can do it, and does it. This is what enables them to inspire you to greater things, and support and advise you, all at the same more