Challenge
Over the past decade, aggregators have become the primary starting point for purchasing most financial products. Mortgages were one of the few areas where banks still held control, but lengthy applications, manual checks, and slow decision-making made the category vulnerable to disruption.
Santander saw this as an opportunity to defend market share and stand out through innovation.
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Solution
Our solution was to launch a new digital brand and proposition that combined comparison, application, and instant approval across multiple high-street lenders - creating a market-first experience that outperformed aggregators.
- Created the new brand and proposition for “Miply”
- Introduced a chatbot interface to simplify and humanise complex applications.
- Built a real-time decision-in-principle engine integrated with six high-street lenders.
- Connected smart data sources (PSD2, ONS, social APIs) for automated verification and personalisation.
- Delivered tailored product recommendations aligned with customer profiles.
- Integrated document-sharing tools for an end-to-end digital journey.
- Visualised financial insights to improve confidence and transparency.
Capabilities
Brand strategy and development
Service Design, CX & UX
Process Engineering
Sitecore Development
eCommerce & Bespoke Integration
Content Strategy & Production
Results