Executive Summary

A national retail bank needed to compete with fast-moving FinTechs but lacked clarity on priorities. Proactive Worldwide facilitated a multi-day war game simulating three years of FinTech disruption. The exercise aligned leadership on a three-year digital roadmap, accelerating delivery and improving mobile NPS by 22 points.

Business Question

How can a legacy bank anticipate FinTech disruption and align leadership on a future-proof digital roadmap?

Research Approach

Proactive Worldwide facilitated a multi-day war game with simulations of Chime, SoFi, Klarna, and other disruptors, including scenario modeling of AI credit, BNPL, and open banking.

Key Findings

• Bank features lacked a unified value story.
• FinTechs leaned into ecosystems and partnerships.
• Regulatory shifts could be used offensively, not just defensively.

Business Impact

The bank aligned on a 3-year roadmap, reorganized product squads, reduced timelines by 40%, and launched two new features in 12 months, regaining share among younger customers.