Financial services

The financial services ecosystem is today complex, with a variety of specialized and generalist players, new or historical, ranging from data providers to customer services for banking, investment and insurance needs.

The ecosystem is facing major disruptions brought by technological evolutions, which are currently reshuffling value generation in the ecosystem, especially in a context of low rates:

  • Value chain fragmentation with innovative FinTech players disrupting high-margin segments with superior value proposition
  • Democratization of a high-quality individualized service, with startups delivering premium services historically only offered to high profile clients
  • Expansion of the competitive scope with new players like FinTech or GAFA players
  • Growing impact of regulation from EU and Basel Committee

These disruptions raise key questions for incumbent stakeholders in the financial services ecosystem:

  • How to leverage customers’ data to provide personalized offer ?
  • How to deal with customers’ data collection and security?
  • How to rethink my portfolio of services vs. FinTech players

Key technological enablers

Machine Learning

Machine Learning brings together all the technologies needed to automatically calibrate a model to make it more reliable. The improvement of computing power and the increase in the amount of usable data allows computers to automatically adjust their predictions and behaviors, and the development of more accurate and efficient predictive and decision-making algorithms.

Sensors & MeMS

Microelectronics has led to fundamental advances in sensors and actuators. More compact sensors (nanotechnology), less expensive, with embedded intelligence, with more autonomy and sometimes self-sufficient in energy, allows more precise control of assets, production lines or the operation of complex systems.

Deep Learning

Deep Learning uses machine learning in successive layers, allowing engineering features to be automated; it relies heavily on neural networks. New algorithms, access to large computing capabilities and the multiplication of the amount of usable data enabled radical progress in areas previously reserved for humans, such as vision and language.


The Cloud brings together all the technologies that allow remote data storage and processing, often on shared solutions. The pooling of material costs and the development of platforms give any company access to flexible, high-performance, secure and cost-effective IT infrastructures and services.

Modular IT

Modular computing consists of interfacing and connecting interdependent, but autonomous functions. Thanks to open systems and the standardization of means of communication (APIs), the flexibility of information systems increases, and their evolution accelerates.


The Blockchain is a technology for storing and transmitting information without a control body, based on the progressive and inviolable enrichment of a chain of blocks. This decentralized infrastructure offers promising opportunities for authentication and the establishment of a chain of trust, which are essential in the Internet age.

Examples of eleven’s support in the industry

For a retail bank, eleven created a model to help the bank to get better customer knowledge and increase its revenue

For a French banking leader, eleven developed several innovative models to help it improve the effectiveness of its marketing campaigns