Banking connection.

Banco Sabadell integrates its data to offer customers more personalised banking services.

Sabadell

25%

increase in digital lead generation for mortgage applications driven by personalisation at key moments in the process

20%

reduction in the time required to launch communications through better integration with agencies and more efficient content management

25%

increase in conversion rates by better understanding impact of campaigns for continuous learning

“Adobe provides us with a clear roadmap and the technology needed to continue improving our customers’ experience, anticipating their needs and offering them more immediate and accessible service across all channels.”

Paco Roldán

Director of Martech, Banco Sabadell

Relationship-based banking.

Paco Roldán, Director of Martech at Banco Sabadell, enjoys connecting with people who share common interests and diving deeper into topics that interest him. When he’s not working, he watches documentaries, plays sports and spends time with his loved ones. “These activities remind me that people are what truly matter,” explains Roldán. “Everyone has a story and it is important to listen actively and find ways to connect with them.”

This belief drives Roldán’s mission to create meaningful customer experiences and put people at the centre, a vision shared by Banco Sabadell. Founded in 1881 as a local cooperative, the bank has grown to serve more than 12.1 million customers across 14 countries, while never losing its community roots. By bringing together marketing, technology and business teams, the bank anticipates customer needs and delivers personalised support, building strong relationships that help Banco Sabadell acquire and retain customers.

Standing out from the competition.

The Spanish banking market is highly competitive. More than half of B2C customers work with multiple financial institutions, indicating that their expectations are increasingly high. This is especially true for digital services, which account for the majority of interactions.

With Adobe applications, Banco Sabadell unified its customer data into a single system to better understand and anticipate customer behaviour and activate relevant communications across all channels.

“Adobe has a strong ecosystem, a consistent roadmap and deep knowledge of the banking sector, making it an exceptional partner,” says Roldán.

Delivering what banking customers need.

Banco Sabadell’s digital transformation aims to create a much stronger and more valuable relationship with its retail, private banking and corporate clients. Adobe Professional Services worked with the bank to define and measure the impact and success of the project. Digital partner NTT Data contributed significant value by applying its deep knowledge of both Adobe applications and Banco Sabadell to create customer-centric experiences.

The bank combines online and off-line information—from websites, apps, SMS, email, social media, contact centres and branches—into a clear, unified view of each customer using Adobe Real-Time Customer Data Platform. It then uses these profiles to gain a complete view of customer journeys in Adobe Customer Journey Analytics, helping the bank understand how and why customers interact with the organisation.

With greater insight into campaign impact, marketing teams can iterate more effectively, which has helped to increase conversion rates up to 25%. When Roldán and his team analysed a product application form, they compared how long customers who ultimately completed the form took to re-engage versus those who did not. The results enabled them to refine their communication strategies, significantly reducing the abandonment rate.

Optimising onboarding.

The customer onboarding phase is especially important to optimise, as it represents Banco Sabadell’s first opportunity to demonstrate that it will meet customer expectations. “A positive first experience increases long-term satisfaction and engagement,” says Roldán. “With Adobe, we are personalising onboarding based on what customers tell us about themselves, and then adapting communications as we interact more with them over time to deepen the relationship.”

“By using Adobe applications to anticipate people’s needs and provide them with information when they need it, we demonstrate to customers our commitment to help them make the best financial decisions.”

Paco Roldán

Director of Martech, Banco Sabadell

Making a major financial decision simple.

Buying a home is a key moment in people’s lives. What many customers want from Banco Sabadell during this time is proactive support with personalised offers and easy-to-understand products. Working with Adobe, the bank aims to identify what content is most relevant to customers and provide the right guidance at each stage of the buying journey.

Using insights from Adobe Analytics, the bank can understand how customers behave and offer useful, personalised information through Adobe Campaign at each stage of the decision-making process. For example, at the beginning of the home-search process, customers may need guidance to help them to feel confident about taking such an important step. When they’re ready to make a decision, they need detailed information to find the most suitable mortgage product.

Providing different messaging for customers at each stage of the buying journey resulted in a 30% increase in email open rates, a 45% increase in click-through rates and a 25% increase in lead generation. “By using Adobe applications to anticipate people’s needs and provide them with information when they need it, we demonstrate to customers our commitment to helping them make the best financial decisions,” explains Roldán.

Delivering the experiences customers need, faster.

Customers continue to enjoy visiting branches, where they receive personalised attention from relationship managers who know their needs. By unifying a single view of all its data, Banco Sabadell aims to replicate these experiences with a higher level of personalisation across digital channels, creating consistency between the online and off-line worlds. Marketing teams optimise assets with Adobe Target to improve effectiveness across web and app. Teams also use Target to experiment with new features to ensure that every change delivers value to the customer.

Greater personalisation also means more content. Banco Sabadell optimised its digital asset management process using Adobe Experience Manager Assets. By automating workflows and improving collaboration with agencies, the bank reduced the time required to deliver new content by 20%. This enables customers to receive more relevant information and offers, increasing the likelihood that they will be more useful to them.

Strengthening relationships through innovation.

Banco Sabadell sees potential for AI to play a significant role in the future of digital banking experiences. It can help to interpret large volumes of data in real time with greater accuracy and enable recommendations that proactively anticipate customers’ needs.

With Adobe’s support, Banco Sabadell hopes to combine technology with empathy to enhance human connections. “We must continue transforming to remain relevant,” says Roldán. “Adobe provides us with a clear roadmap and the technology needed to continue improving our customers’ experience, anticipating their needs and offering them more immediate and accessible service across all channels.”

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