Giving you the edge in Banking

Bank on our expertise

Bank on our expertise

Whatever your focus, our consultants have the retail banking knowledge and expertise to make real change happen. We work with:

  • High Street Banks
  • Payment and Card Providers
  • SME and Business Banks
  • Building Societies
  • Service Providers
  • Challenger Banks

Trust us to make change happen

Trust us to make change happen

Customer Experience Design
Strategy, insight, analytics, experience improvement, measurement and more

Distribution Advisory
Development of channel strategies, channel improvement, product and proposition development

Operations & Technology
Operating model definition, operational efficiency, cost reduction, process improvement, automation, data optimisation and sourcing

Business Change Advisory
Design and re-structuring of change functions (e.g. optimising agile vs. more traditional methods), portfolio reviews and prioritisation, change planning and delivery

Regulation, Compliance & Financial Crime
Delivering programmes to implement regulatory change, including compliance and financial crime

Programme and project planning
End-to-end lifecycle of support from design, mobilisation and delivery to QA and recovery of complex change programmes

We are dedicated to helping our clients create real, positive change

“PEN reviewed our operating model and delivered us a pragmatic answer that we have subsequently set about implementing with their help. They have lots of real-life, practical experience which they put to good use, they worked with us in a really collaborative way and also at a fast pace which made sure we got to the answer quickly. They were excellent at managing stakeholders and delivered excellent value. I would certainly recommend using them.”

Simon Healy, Managing Director - Savings, Aldermore

“We engaged PEN to provide an external view of our strategic plans. I found them to have an engaging style and the team managed both their stakeholders and the scope of the engagement very well. PEN brought a wealth of experience which they willingly shared with the Skipton team.”

Bobby Ndawula, Chief Financial Officer, Skipton Building Society

“PEN Partnership was brought into the organisation on a recommendation, and they have not disappointed.  The way that PEN created and organised a team around the problem, maintained laser-like focus on the objective, and managed a broad range of senior stakeholders was outstanding.  PEN took a complex problem and through structure, discipline and good humour managed it effortlessly.”

Head of Group Operational Resilience, Nationwide Building Society

“PEN worked with Aldermore Bank to review their mortgage systems strategy and approach. Their approach was pragmatic and delivered significant value. In particular, they ensured that the consultant on the assignment had significant (10 years plus) detailed subject matter expertise and took a flexible approach during the assignment based on the findings to ensure the delivery was focused on our needs.”

Mark Jacot, Head of IT - Mortgage and Savings, Aldermore

“As with all 3rd party support, I’m always looking for something different. Client focus, intellectual capital and hard work are mere entry points. So what makes PEN different? I have observed a couple of key differentiators; first, the Team have real business experience and will pivot dependent on the situation (it’s not just theory and a linear approach) and secondly, the Team are genuinely good listeners and observers so you know your individual circumstances are being taken into account. Good guys, good investment.”

Jeremy Masding, Group CEO, Permanent TSB