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Transforming Tradition: How OSB Group is Building a Future-Ready Bank
Building a next-generation savings platform to drive growth and customer value
OneSavings Bank (OSB) Group, the U.K.’s leading specialist lender, faced challenges with outdated IT and evolving customer expectations. Partnering with Publicis Sapient, OSB Group built a greenfield core banking platform, culminating in an October 2024 launch that delivered successful implementation, boosted deposits and established a scalable, customer-first foundation for future growth.
“Publicis Sapient has been instrumental in our progress. What differentiates them in my mind is their engineering skills. Their engineers are working side-by-side with us, driving the business transformation.”
Matt Baillie , Group Chief Transformation Officer, OSB Group![]()

The Imperative for Change
In 2022, OSB Group recognized that legacy IT systems left them unable to scale, risking their competitive edge. As a traditional, high-touch bank, OSB Group were challenged with outdated processes, slow decision-making and sustaining team engagement. They needed a modern, scalable solution to meet evolving customer needs, manage vendor complexity and improve operational efficiency.
The Transformative Solution
Publicis Sapient and OSB Group laid the foundation for a greenfield bank, leveraging cloud technology, composable architecture and agile methodologies to create a modular, cloud-native platform powered by Mambu, Salesforce, nCino, Azure and 10 other fintech tools. Within 12 months, a “friends and family” release launched in November 2023, followed by the colleague and full public launch in October 2024, prioritizing customer-centricity and scalability. Publicis Sapient and OSB Group continue to build capabilities for this new banking platform, driving change across business functions and operations.

“Our partnership with Publicis Sapient is built on shared goals and a mutual culture of collaboration, combining bold thinking with our 150-year heritage to deliver meaningful change for our customers. This achievement is a testament to the power of partnership and the dedication of our teams. Together, we’ve built a truly customer and colleague centric bank by embracing new technologies to drive our transformation forward, meeting the needs of both new and existing customers while staying true to the values that have earned their loyalty over the years.”
Clive Kornitzer , Group Chief Operating Officer, OSB Group![]()
The Business Impact
Supported by a robust IT infrastructure and agile processes, the bank is now poised for growth, innovation and long-term competitive advantage.