Fast, agile development in low-code enables The West Brom Building Society to deliver improved customer experience
The challenge
The West Brom is a mutual building society, established over 170 years ago. It remains focused on helping over 400,000 members with mortgages and savings. A primary focus is to try and promote home ownership where possible and a large proportion of their customer base is first time buyers.
The West Brom is always looking to improve customer experience and respond to feedback from customers. When customers were requesting digital, 24/7 access to their accounts, The West Brom built a basic portal using traditional code, enabling customers to view their account information online, such as account balances and their interest rate. Off the back of the success of the savings portal, The West Brom saw the opportunity to appeal to new markets and demographics by enhancing customer journeys online. However, they recognised that they would need to move much faster with development.
Faster development keeps the building society in control
They looked to our low-code platform, Liberty Create, with an initial project to digitise the application process for new savings accounts. The West Brom wanted to offer a fully digital journey, where new and existing customers could apply for a new account without the need to fill in paper forms sent by post or taken into a branch, as well as enabling customers to apply 24/7. This application is called ‘Apply’.
“The biggest appeal of low-code is speed. We can get proof of concepts spun up and working very, very quickly – within a matter of days. We can sit down for two days, build proof concepts in a sandbox environment and either have something to move forward with or have something to help guide future decisions without a lot of time wasted. It gives us the capability to explore ideas and options with little upfront investment in time.”
Matthew Hunt
Senior Technical Operations Manager, The West Brom Building Society
The solution
The West Brom was very keen to build applications with their own team to build up their own capabilities for future projects. Instead of using Netcall’s professional services to help build their applications, they opted to take mentoring sessions with our expert Liberty Create builders.
After their training, their team of four developers were ready to start. They utilised one of our low-code mentors to guide them on any initial stumbling blocks and to advise on the best approaches. This continued learning has enabled their team to become experts quicker and equipped them to fix any issues that may occur.
The West Brom is hoping to introduce Netcall’s On Premise Adapter (OPA) to enable connection to other core internal systems.
For example, within Apply, customers would be able to apply and open a new account within around 10 minutes because the OPA will enable their data to be ingested directly into their core systems.
Currently, opening the account requires manual staff intervention.
As well as being fast and slick for customers, it will generate sizable efficiency gains for the building society.
Apply has enabled The West Brom to process applications faster. Once the application is received digitally, staff processing has reduced by 4 minutes per account opening.
With the efficiencies realised through their online apply journey and subsequent integrations, The West Brom have created ‘scalability’ allowing them to significantly increase the number of applicants that can be managed in a short period of time.
The scalability and control offered by Apply, means that The West Brom’s Marketing Team can launch new products quicker and they can adapt the application instantaneously based on customer and colleague feedback.
It has become a catalyst for faster introduction of competitive mortgage products and encouraged a culture where colleagues feel they can suggest improvements and see them acted upon swiftly.
Financial organisations are often held back by outdated, legacy systems and processes. Low-code offers the freedom to build whatever you want, but this can feel uncomfortable and risky when first introduced. The initial low-code applications at The West Brom were a big step, placing a lot of trust in their team to ensure all the security, structure and touchpoints were correct.
As the project developed, the senior leadership could see the progress and understood the control that they as an organisation would have over their systems. Apply has great visibility and support at Executive level and whilst it has been a very different way of working, it has proved that with the relevant guardrails and controls, this style of development can have significant benefits.
Confidence is high for developing future applications.
“Mentoring works perfectly for our teams. Our mentors are brilliant and on a call whenever we need them – we’ve rarely waited longer than half a day for them to provide support. Our learning curve has been so much quicker thanks to the mentoring and the team are quickly becoming ‘experts’ themselves thanks to this approach.”
Matthew Hunt
Senior Technical Operations Manager, The West Brom Building Society
The result
Staff processing has reduced by 4 minutes per account opening and upcoming enhancements are set to reduce this again by half
Fast time to market for new applications which modernise, digitise and improve the customer experience
Changing mindsets: the ability to try something without committing thousands of pounds has enabled more ideas and an experimental approach to see what works for customers and for the building society
Flexibility to introduce new products quickly
Further opportunities identified using Liberty Create to develop a tenant portal to manage tenant repairs and communications.
A future full of potential
The West Brom are in an exciting stage of their digitisation processes. Their approach takes three phases:
Developing improvements to the customer journey
External integrations that streamline customer processes
Internal process improvement and automation.
At this early stage of their development, they are already realising substantial benefits. The West Brom is now able to move forward, making further improvements with integrations and internal processes to enhance customer experience. And they can use their own team to build it, with no additional costs or restrictions, using Liberty Create.
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