Digital Consumer Bank

A single model across our markets for our consumer and auto finance business and for Openbank.

• Converge towards global platforms and continue transforming our operating model, automating key processes and gaining efficiencies, providing the best customer experience while we align the business with Group functions, seeking an agile set-up
  
  
• Grow partnerships providing the best digital experience and solutions to our partners while also consolidating new partnerships
  
  
• Promote the network effect through a complete product offering to our customers, leveraging the Group's capabilities
  
  
• Continue gathering customer deposits to improve the cost of funding and become less sensitive to changes the interest rate environment
  
  
• Enhance and automate our originate-to-share model