POP Alliance represents twenty-six independent cooperative POP Banks in Finland. The bank group is known for its customer-focus and excellent personal service. To ensure future competitiveness, they needed to strengthen its position with digital transformation.


How to steer an engaging business digitalisation project for a large number of independent banks operating with high levels of autonomy? How to build a shared digital business foundation to enable the POP Alliance to build a data-driven organisation, and build new digital products, services and business models?


The digitalisation strategy updated the company’s vision, mission and customer promise. It defined overarching transformation themes and their impact on management, back-end operations, products, marketing and sales, and finally customer experience.


  • Harmonisation and automation of back-end processes
  • Conversion of existing customers to digital channels
  • Launch of new digital products
  • Increased profits


  • Business digitalisation strategy


POP Banks’ earnings increased by 15% within a year of the strategy roll-out. POP Bank has launched fully digital banking products, such as an unsecured consumer credit, which drives both new customer acquisition and revenues. In 2019 the alliance turned their record profit.

About the author

Tintti Sarola, co-founder at Ross Republic

Tintti Sarola

Tintti leads Ross Republic’s strategy team. She has in-depth knowledge of business development and branding in various B2B industries, and is known for delivering ambitious yet actionable recommendations.

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