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Retail Banking & SME
Banking
Meet Your Retail Banking & Small Medium Enterprise (Retail & SME) Team
The needs of retail and SME clients are evolving fast—and so is the way banks serve them. Our experts help financial institutions rethink engagement, digitise operations, and unlock new growth through embedded finance, BaaS, and data-led strategies.
How We Help You Succeed in Retail Banking & SME
We support financial institutions in reimagining the full retail and SME banking value chain - from onboarding to origination, engagement to compliance.
End-to-End Digitalisation
We design and implement future-ready banking models, modernising platforms through cloud-native architectures and launching digital banks with scalable, compliant operations.
Open & Embedded Finance
Our team delivers API-driven strategies, BaaS, and embedded finance solutions - enabling new distribution models and revenue streams across ecosystems.
Data & AI Enablement
From GenAI pilots to enterprise data strategies, we help clients turn data into value - accelerating decision-making, personalisation, and fraud prevention.
Customer Engagement
We craft omnichannel journeys, loyalty programs, and advisory solutions that deepen relationships and activate the mass affluent.
Retail to Wealth Continuum
We enable seamless movement across the banking and wealth spectrum, powering hybrid advice, personalised portfolios, and measurable growth.
Risk & Regulatory Compliance
Our AML and fraud frameworks blend regulatory rigour with AI-powered monitoring to increase resilience and reduce operational risk.
With proven accelerators, deep industry knowledge, and agile squads, we help clients bring complex ideas to life - delivering measurable efficiency, faster time-to-market, and standout customer experiences.
Our Experts In This Topic
OUR EXPERT
Rahul Bansal
Partner, Global Head of Retail and SME Banking
Rahul leads Synpulse’s retail and SME banking practice. He played a key role in launching Singapore’s newest digital-native bank. He specialises in large-scale digital transformation programmes, focusing on accelerating neobank development and modernising retail banking platforms.
OUR EXPERT
Raphael Bianchi
Senior Partner and CEO Synpulse8
Raphael is Co-CEO of Synpulse8, driving private and retail banking consulting while leading digital transformation and fintech system implementations, and maintaining strong ties to the fintech ecosystem. He established Synpulse’s footprint in Asia, expanded nearshore capabilities, and focuses on open finance business models and initiatives such as openwealth.ch.
OUR EXPERT
Alexander Kling
Managing Director, Head of Strategy & Transformation, and Head of Retail & SME Banking Consulting, APAC
Alexander is a Managing Director at Synpulse, leading Strategy & Transformation and the Retail & SME Banking practice in APAC. With 20 years in financial services, spanning top-tier strategy consulting and banking across Asia, Europe, and the Middle East, he delivers end-to-end strategy and transformation. He advises senior leaders on digital innovation, challenger models, and market entry, bridging strategy, business, and technology.
OUR EXPERT
Simon Alioth
Managing Director Synpulse8 and Head of Open Finance
Simon leads Synpulse8’s Swiss organisation and its banking and wealth management product portfolio. He drives technology advisory services with a strong focus on connectivity and integration. With deep expertise in open finance and fintech innovation, he leads the global open finance practice and co-founded and heads the OpenWealth Association.
OUR EXPERT
Manuel Thomet
Associate Partner, Head Embedded Finance & BaaS
Manuel leads the embedded finance and BaaS topic, helping banks and non-financial brands unlock the economic potential of next-generation business models. His expertise is rooted in his role as the initiator and co-author of “Embedded Finance and BaaS in Switzerland: Outlook 2024,” the country’s first academic study on the topic. He specialises in designing and implementing forward-looking business models that deliver cutting-edge embedded finance experiences.
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Retail Banking & SME
Banking
Meet Your Retail Banking & Small Medium Enterprise (Retail & SME) Team
The needs of retail and SME clients are evolving fast—and so is the way banks serve them. Our experts help financial institutions rethink engagement, digitise operations, and unlock new growth through embedded finance, BaaS, and data-led strategies.
How We Help You Succeed in Retail Banking & SME
We support financial institutions in reimagining the full retail and SME banking value chain - from onboarding to origination, engagement to compliance.
End-to-End Digitalisation
We design and implement future-ready banking models, modernising platforms through cloud-native architectures and launching digital banks with scalable, compliant operations.
Open & Embedded Finance
Our team delivers API-driven strategies, BaaS, and embedded finance solutions - enabling new distribution models and revenue streams across ecosystems.
Data & AI Enablement
From GenAI pilots to enterprise data strategies, we help clients turn data into value - accelerating decision-making, personalisation, and fraud prevention.
Customer Engagement
We craft omnichannel journeys, loyalty programs, and advisory solutions that deepen relationships and activate the mass affluent.
Retail to Wealth Continuum
We enable seamless movement across the banking and wealth spectrum, powering hybrid advice, personalised portfolios, and measurable growth.
Risk & Regulatory Compliance
Our AML and fraud frameworks blend regulatory rigour with AI-powered monitoring to increase resilience and reduce operational risk.
With proven accelerators, deep industry knowledge, and agile squads, we help clients bring complex ideas to life - delivering measurable efficiency, faster time-to-market, and standout customer experiences.
Our Experts In This Topic
OUR EXPERTRahul Bansal
Partner, Global Head of Retail and SME Banking
Rahul leads Synpulse’s retail and SME banking practice. He played a key role in launching Singapore’s newest digital-native bank. He specialises in large-scale digital transformation programmes, focusing on accelerating neobank development and modernising retail banking platforms.
OUR EXPERTRaphael Bianchi
Senior Partner and CEO Synpulse8
Raphael is Co-CEO of Synpulse8, driving private and retail banking consulting while leading digital transformation and fintech system implementations, and maintaining strong ties to the fintech ecosystem. He established Synpulse’s footprint in Asia, expanded nearshore capabilities, and focuses on open finance business models and initiatives such as openwealth.ch.
OUR EXPERTAlexander Kling
Managing Director, Head of Strategy & Transformation, and Head of Retail & SME Banking Consulting, APAC
Alexander is a Managing Director at Synpulse, leading Strategy & Transformation and the Retail & SME Banking practice in APAC. With 20 years in financial services, spanning top-tier strategy consulting and banking across Asia, Europe, and the Middle East, he delivers end-to-end strategy and transformation. He advises senior leaders on digital innovation, challenger models, and market entry, bridging strategy, business, and technology.
OUR EXPERTSimon Alioth
Managing Director Synpulse8 and Head of Open Finance
Simon leads Synpulse8’s Swiss organisation and its banking and wealth management product portfolio. He drives technology advisory services with a strong focus on connectivity and integration. With deep expertise in open finance and fintech innovation, he leads the global open finance practice and co-founded and heads the OpenWealth Association.
OUR EXPERTManuel Thomet
Associate Partner, Head Embedded Finance & BaaS
Manuel leads the embedded finance and BaaS topic, helping banks and non-financial brands unlock the economic potential of next-generation business models. His expertise is rooted in his role as the initiator and co-author of “Embedded Finance and BaaS in Switzerland: Outlook 2024,” the country’s first academic study on the topic. He specialises in designing and implementing forward-looking business models that deliver cutting-edge embedded finance experiences.