Pioneers of a Digital Approach to Support Expansion Goals
Using low-code to build the systems that Hampshire Trust Bank need and to manage process improvement
The challenge
Hampshire Trust Bank (HTB) is a specialist bank staffed by experts, they focus on helping UK businesses realise their ambitions. Primary operations are development finance and specialist mortgages, and specialist business finance but they also provide award-winning savings accounts to individuals and businesses. With an impressive growth trajectory in terms of staff and revenue, the bank targeted digital as key to its expansion.
Reimagining a specialist bank
Frustrated with relying on external resources for technical developments on tasks which they didn’t deem to be particularly challenging, with results slower and not always in line with their requirements, HTB felt they could build and manage the systems they needed better themselves. And this would probably be more cost effective.
They began searching for a way to utilise the knowledge within the business, without hiring an army of developers. They had the ideas of what they needed and how it should work. Low-code was the answer. Enter Liberty Create, our low-code platform.
“Liberty Create and its data gathered are driving factors in determining operational efficiency. It’s changed the behaviour of the bank – from operating predominantly manual processes, into being digitally orientated and process efficient. We offer a fantastic proposition and low-code tech sits firmly behind that.”
Russ Fitzgerald
CIO, Hampshire Trust Bank
The solution
HTB developed a finance business system to replace a host of manual and spreadsheet-based processes that handle client customer and credit rating data. Low-code works really well in an agile continuous improvement approach, so the system can be continually enhanced and added to.
They invest heavily in testing capabilities, providing value in improved turnaround time for any defects. Without getting bogged down in process, they utilise the elements of agile that work best in digital transformation in banking. Liberty Create lends itself really well to that capability.
In the past, Developers would publish a change in the evening, then the Test Team started the test pack the next morning, running for 3-4 hours, ensuring everything worked correctly and highlighting any regressions. The Developers got feedback at lunchtime, therefore losing half a day of dev time.
Now, the Developers publish a change in the evening, low-code takes 30 minutes to package the release and push it to the test environment, waking up the testing platform automatically once complete and running the series of tests. By 9am, the Test Team have the test results and the Developers work on fixes immediately, gaining an extra half day per Developer from every push. HTB is progressing rapidly on their journey to seamless integrated testing and DevOps.
HTB now approach new potential suppliers with a clear strategy that needs to work with low-code. By tailoring their own front end capabilities and utilising API services, they can pick the best out of the industry suppliers, using it to create USPs for the bank. Third parties often comment that they are at the top end of technology maturity amongst their peers.
They are no longer stuck behind half year releases and slow legacy systems. They encapsulate systems and build out, commoditising their back-end systems suppliers based on their ‘best in breed approach’ to build or buy. Low-code has increased innovation, flexibility and creativity in areas where they need it.
“Initially, we worked alongside the Netcall team, who started our delivery and then worked extremely well with us to handover to our small but very talented internal team. We’ve had very strong engagement with Netcall, from the CTO all the way down – we value this support and attention greatly. For us, it is amongst the highest criteria we look for in a supplier – and there are only a handful of suppliers where we genuinely feel we get that top level of support, plus the ability to feedback, request and input on Liberty Create product road mapping. We’ve really appreciated the agility of the Create team.”
David Patterson
Head of Solutions & Delivery, Hampshire Trust Bank
The result
First project delivered four months earlier than planned and at less than one-third of anticipated cost
HTB formed a small team who, using Liberty Create, can now build the systems they need and manage process improvement
Platforms built using low-code have become core assets, assisting with vital areas like linking their API infrastructure to data services, fraud prevention, credit risk and Companies House data
Gained additional dev time
Enabled growth without raising headcount
Integrated tech stack
Replaced manual processes
No longer a user of a legacy core banking platform – they build out to their own capabilities
Growing with a vendor you can trust
Like any innovative team, the HTB Development Team have more ideas than they have resources for. Their confidence in using low-code as a front end tool has seen them explore using it for internet-facing services, several digital services to improve internal workflow and processes and many ‘microservices’.
They utilise the workflow capabilities across the bank to improve back-office efficiency, data governance, data quality and control. And always also improving operational efficiency. Liberty Create allows a deeper understanding of how long processes take and how they can be streamlined.
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