An adaptive digital services platform, proven in regulated banking.

Your customers’ needs change.
You should be able to respond.

Stratum works with the systems and capabilities you already have, alongside those from Stratum and your partners. It coordinates relevant information, rules and capabilities so you can deliver services, journeys and messages as customer needs change — within your rules and without making core banking replacement the starting point.

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Built and live in regulated bankingIncluding Islamic bankingWorks alongside your existing core banking systemSee where it’s running →

From everything available. To what matters now.

Why Stratum?

Keep the systems that work. Adapt what you offer.

Stratum works with the systems you already use and the places your services reach people — mobile, web, employee and partner experiences, and APIs. It coordinates data, services, rules and journeys without requiring a core banking replacement.

What you can now do

01Recognise changeConnect · Data & Context→ 02Understand contextData & Context→ 03Apply bank rulesDecide & Coordinate→ 04Respond appropriatelyCapabilities · Deliver

Under each step: the parts of the platform that do it.

Where it’s used

MobileWebEmployee experiences Partner experiencesEmbedded experiencesAPIs / system-to-system
STRATUMAdaptive digital services layer

Five parts work together — Connect, Data & Context, Capabilities, Decide & Coordinate and Deliver — supported across the platform by Governance & Control, Operate and Insight.

What you already have

Systems of recordCustomer systemsPayments Identity & verificationRisk & complianceThird-party services

Your core banking system remains authoritative for ledger and posting. Stratum coordinates digital services and experiences around it.

See the platform — every part, and how it grows →

Where do you want to start?

Start with the change that matters most.

You don’t need to begin with an organisation-wide transformation programme. Start with one priority initiative and expand from there.

01Modernise without replacing your core banking systemCreate or improve digital journeys while keeping the existing systems that still work.→ 02Respond to each customer as their needs changeUse changing context to decide what becomes relevant for each customer or business.→ 03Expand across marketsReuse the same platform and bank capabilities while adapting rules, journeys and experiences locally.→ 04Grow an existing banking segmentBring the same approach to SME, business, retail or another priority segment.→

One initiative is enough to start. Expansion is a decision you take later, with evidence.

Four questions worth asking

Can you do these four things today?

Not as four separate projects — but as capabilities you can reuse together.

01Recognise

Can you tell when something relevant has changed?

A transaction, balance, location, new need or another meaningful event.

In practiceA salary lands four days early and is a third larger than the last twelve. Almost every bank records that. Far fewer notice it while it still means something.

02Understand

Can you see that change in the context of the whole relationship?

Not just one account, one product or one channel.

In practiceThe same customer holds a mortgage, a business account and a card — in three systems, with three views. None of them can answer the only question that matters: who is this person right now?

03Apply

Can you apply your own rules before deciding what should happen?

Eligibility, permissions, risk, product policy and customer status.

In practiceShe qualifies for the product — but not at that limit, not in that market, and not without fresh consent. The rules all exist. They are just not reachable at the moment of the decision.

04Respond

Can you change the experience without rebuilding the systems underneath it each time?

A different service, journey, message or intervention — when it becomes relevant.

In practiceThe right answer is a different limit, a different journey and a different first screen. Today, that may mean making another change to a core-dependent application or integration.

The useful question is not whether each capability exists somewhere. It is whether they work together.

How it works

Not everything available matters at every moment.

Stratum can draw on relevant data, events, rules and capabilities from connected, authorised sources. When circumstances change, it identifies what matters, applies your rules and coordinates an appropriate service, journey or message.

  1. 01 · Available context
    Available contextSignals, events, services and permissions can be drawn on when connected, authorised and relevant.
  2. 02 · Relevant now
    What matters nowThe platform identifies relevant context, then applies your rules and permissions.
  3. 03 · Experience
    The experience respondsRelevant services, journeys and content move forward. Other context stays available for later moments, where permitted.
The bank’s app surfacing what has become relevant for this customer

Available context remains useful; Stratum brings forward what matters for this moment.

Why it matters

Your customers’ needs don’t always fit your product categories.

As your customers’ lives and businesses change, they may move between your segments, teams and propositions. Information you already hold can remain useful, subject to permissions, eligibility and required checks.

You see

  • Youth
  • Retail
  • Merchant
  • SME
  • Corporate
  • HNWI

Your customers expect

One relationship.

When a customer moves between segments, the relationship shouldn’t have to restart.

Ask yourself

When a customer’s circumstances change, can you use relevant information you already hold to adapt what you offer?

One relationship. Many moments.

Your customers’ lives don’t follow your segments.

Follow Leila, an illustrative customer, through four moments and see how you could respond as her circumstances and available context change.

18

Independence begins

The relationship already contains relevant identity, permission, account and history information. Independence may change what becomes useful.

Relevant available context

What is relevant can change with the moment; permitted context can be reused.

Your rules apply

What your customer experiences

For you

Scroll to follow the relationship

Why now?

Different research. Same direction.

Across banking research, the emphasis is moving beyond digitised products towards banks that can respond to each customer’s context, change and need.

Four firms, four methods, four vocabularies — arriving at the same requirement.

What this means for banks

The advantage is shifting from what a bank can offer to how well it can respond.

01Recognise change→ 02Understand context→ 03Apply bank rules→ 04Respond appropriately

Independent perspectives from McKinsey, Accenture, Capgemini and EY. The synthesis above is Stratum’s interpretation of the common direction.

Ready to explore?

You already have much of what you need. Stratum helps make it work together.

Start with the problem you need to solve — a journey, a segment, a market or a relationship that needs to respond better.

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STRATUM Adaptive digital services for banking relationships.
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Built in banking. Designed to adapt.