Bancly - Bank Innovation

Innovating for value

Bancly takes a human-centered, design-based approach to helping banks innovate and grow.

Money matters - exchange defines relationships, financial behaviors influence all dimensions of personal wellbeing. We work hard to understand what our customers need to access their banking services – wherever they are. We identify new ways to serve and support people by uncovering latent needs, behaviors, and desires.

We envision new banking models and brands, and we design the products, services, spaces, and interactive experiences that bring them to life. We help clients see how their new or existing operations could look in the future - and build road maps for getting there.

We are a community of designers, social scientists, engineers, and MBAs helping banks seize new opportunities and drive transformation. Not all innovation involves technology. Innovation means new ideas, not just new technology ideas. It can simply mean changing the way we do things so that more people can access banking services. Low cost, highly engaging non-technology innovations could increase customer growth faster than a slick phone app. Bancly can help you do that.

Expertise and Capabilities

Tackling innovation from every angle.

Profit Model
Customer Engagement

A suite of services to support innovation

Our methods include business model prototyping, data visualization, innovation strategy, organizational design, qualitative and quantitative research, and IP liberation.

Ideation Workshops
Analogy Thinking
Intrapreneurship Programs
Innovation Bootcamps
Innovation Audit
Market Validation
Hire a Lean Entrepreneur‏
Innovation Master Plan
Innovation Consulting
Scenario Planning
Partnership Models and Ecosystems
Breakthrough Growth Strategy
New Product, Service & Category Innovation
Business Model Leapfrogging
Innovation Culture & Transformational Change

Our experience in the banking sector is broad and deep. From mobile payments to branch redesign, much of our work with clients involves creating and then delivering game-changing industry firsts.

Lean Screen

Streamlined inbound call center process, made workflow easier and faster.


Credit card selector tool, home loan calculator, budget planner, foreign exchange calculator.

Internal Community

Created a worldwide innovation community for a leading global bank, with training and project support, including an e-learning program that reached 350,000 employees.


Investing, financial planning, budgeting & savings tips, money skills for kids, students and young adults, tips for teens.

Financial Inclusion

Converting retail shops into a low-cost distribution and payment infrastructure, and consequently extending the reach of banks to enable small value financial transactions instantly.

New Services

Partnered with a major global private bank to develop new, more relevant services to reach the next generation of high-net-worth individuals (18-35 years of age with $25m+ in assets).

Transit Brand

Developed with a leading global bank an innovative transit brand combining contactless ticketing credit and debit card technology; new program generated 80,000 new accounts in six months.


Savings product which enables customers to earn more interest if they have more products with the bank. This is a good example of pricing innovation linked to the goal of increasing customer loyalty.

New Product in a Crowded Category

A customer may open a fixed deposit with almost any bank, based on the rate of interest offered by the bank. We grew business in a rotten rate environment by providing a value proposition that isn’t purely price related.

Designed Green Banking Products

to support environment related entrepreneurship - green loans for renewable energy investments; green mortgages; green loans for households (purchase of bicycles, energy saving infrastructure and equipment); green leasing.

Personal Loans

“Instant” loans by SMS or from an ATM/Kiosk, where a customer can get immediate approval and receive the money from a branch after providing supporting documentation, or in the case of the kiosk without having to go into a branch at all.

Virtual Payment Card

Particularly targeted at young people who do not have a bank account. New sub-brand and distribution network, with a more limited range of products, simple processes and different type of staff in the branch than the mother bank.

Avatar-based Banking Assistant

Designed to work with the customer to create a personal on-line banking experience. She is a lot smarter than traditional voice activated assistants.

Credit Card

Offered customers the option at the point-of-sale of selecting an installment payment plan when making a purchase with a credit card – this is done by sending an SMS as the payment is being approved. Allowed customers to choose the interest rate, reward rate, card fee, campaigns, redemption type, and card design. During the application process, applicants can manipulate over 10 parameters to create their preferred combination.