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The banking sector is an industry in flux. It will radically change in the near and distant future. Faced with changing consumer expectations, emerging technologies and new business models, banks will need to develop strategies that prepare them for the banking industry of the future.

Appronto has a strong focus on this segment. Various customers in this sector are growing rapidly, which also increases their need for digitalisation. On this page, you can read all about the most important trends in this sector and learn more about Appronto’s track record in the banking industry.


Both retail banking and business banking are subject to a number of emerging trends. Let’s take a quick look at the most important ones.

1. Digital and emerging technologies

New technologies are drastically changing the banking and capital markets in the front, middle and back office. Automation, case management, and artificial intelligence provide valuable opportunities that belonged in the realm of science fiction just a couple of decades ago. Cloud technology is changing the industry and has profound implications for many operational areas. Combining legacy systems and these new applications is a challenge that many organisations face.

2. Organisational flexibility

The ever-increasing speed of innovation provides plenty of new opportunities. Competitive advantage is therefore no longer obtained from being big, but rather from the ability to adapt quickly to new opportunities and possibilities. Banks must embrace these changes and incorporate the full power of digital innovation in short innovation cycles.

3. Cybercrime and compliance

Cybercriminals who target financial organisations are also constantly adopting new, innovative technologies. On top of that, regulators are enforcing increasingly strict guidelines and heavier fines for violations. The possible reputational damage resulting from security breaches is considerable and potentially disastrous. Banks should therefore deploy advanced analysis technologies to detect threats and fraud at the earliest possible stage.

4. Data integrity and analysis

Data is the new gold. And although data is all around us, this information is not always easily accessible, integrated or structured. Banks must therefore gear their (IT) strategy towards the correct and optimal usage of the large datasets that are available in the digital age.

5. The future of work

What will future processes look like? The rise of artificial intelligence (AI) and large-scale automation definitely changes the relationship between the human and digital components of your workforce. It takes different and new skills to stay ahead in the digital age. Banks have to decide if they are going to lead the change and must develop strategies that allow them to foster exceptional talent in the long run.

6. Cooperating with the digital ecosystem

The entire digital ecosystem of financial service providers is growing, often at a breakneck speed. Legislators, fintechs, major banks and other specialists have to collaborate more often and more intensively. A good strategy to manage these ever-expanding digital ecosystems is becoming increasingly important. This means that the effective orchestration of data exchange must also be properly arranged. All components of the ecosystem must work together seamlessly from an operational viewpoint, but they also have to be flexibly deployable to meet rapidly changing market and customer demands.

ING Bank

Appronto and the ING team are partners in innovation and regularly develop new applications. A great example is a project in ING’s Document & Content Services department. This team is responsible for handling all process and transaction communications for the eight million customers of the bank. At ING, 600 customer journey experts (CJEs) work in small, multidisciplinary and self-organising teams (squads) that are responsible for, among other things, optimising the customer journeys of the bank’s clients.

To provide people with the best possible customer journey, it was necessary to create an internal environment in which the CJEs could collaborate more efficiently and effectively with each other in the field of customer communication. In 2019, the CoCoS project, a joint effort of ING, Appronto and Mendix, was nominated for the Computable Awards in the Digital Transformation of the Year category .

ING Appronto


Argenta Netherlands is a digital bank for savings and mortgages. It is a bank for people, not for companies. The bank mainly works with independent advisers for taking out mortgages and offering related products.

Argenta believes it is important that customers can arrange their banking matters quickly and easily. That is why the public website and self-service environment are important parts of Argenta’s services. The problem with the old environment was twofold: the maintenance costs were high and the possibilities for further development extremely limited. Thanks to the possibilities of the low-code platform Mendix and the help of Appronto, Argenta was able to solve these problems.

One of the completed projects is the replacement of the ‘my environment’. Maintenance of the old version was expensive, while further development was hardly possible. Three objectives were central to its reform and improvement:

  1. Creating a new platform for the mining environment, to which the current functionality can be transferred.
  2. Reducing the run costs of the environment.
  3. Realizing lower costs for further (and faster) development of the mining environment.

According to Argenta, low-code and Mendix in particular offered the most potential for remodeling in a fast and flexible way.

Also working in the banking sector?

Curious how we can help your organization in addition to the ING bank & Argenta?

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