Banco Santander, S.A.

Their priorities

• Ana Botín's "ONE Transformation" plan puts every country onto common global platforms (Gravity cloud-native core, Openbank digital, PagoNxt payments, Zinia consumer). It targets a cost-to-income ratio of about 41% and an ROTE of 16%+ (2026-28 plan approved at the March 2026 AGM). unverified
• Using the global scale of its tech ("one bank, one platform"). unverified
• US growth (Openbank US, CIB) and UK scale after the TSB acquisition. unverified

Recent news

• Q2 2026 · Santander Q2 2026 results press release (company PDF) Public signal
• Q2 2026 · Santander Q2 2026 earnings call transcript (Motley Fool) Public signal
• Mar 2026 · Santander AGM: record profit, bigger dividend, new 2026-28 plan approved (MarketBeat, Mar 2026) Public signal
• Jan 23, 2026 · Fine over past process deficiencies at Openbank; Santander says the issues are fixed and has challenged it. Regulatory actions
• Sep 1, 2025 · Replaced Dirk Marzluf, who moved to senior advisor on transformation. Leadership moves
• Dec 2022 · Santander UK fined for repeated anti-money-laundering failures. Regulatory actions

Talking points

• TSB integration into Santander UK is a large migration (customers, cores, people) and needs a migration factory.
• The ONE platform rollouts across countries are a repeatable motion. Offer country-by-country migration accelerators.

Plays to raise

1. TSB integration and migrationM&A & integrationIdentified
   Why now: TSB integration into Santander UK is a large migration (customers, cores, people) and needs a migration factory.
   Ask: A 3-week integration readiness and synergy assurance review: test the synergy case line by line, flag conversion risks, and stand up a weekly synergy tracker the CFO can use with investors.
   Deal range (est.) $15M–$45M · proof points
2. Gravity and ONE platform country rolloutsCloud & coreIdentified
   Why now: Ana Botín's "ONE Transformation" plan puts every country onto common global platforms (Gravity cloud-native core, Openbank digital, PagoNxt payments, Zinia consumer).
   Ask: An 8-week modernization blueprint: application portfolio scan, target architecture, migration waves and a self-funding business case, using Accenture tooling for code and dependency analysis.
   Deal range (est.) $20M–$60M · proof points
3. Gen AI operations at scaleAI & agentsIdentified
   Why now: "ONE Transformation" onto global platforms (Gravity core, Openbank, PagoNxt); bought TSB in the UK; record profits.
   Ask: A 6-week agentic operations diagnostic: map 3-5 high-volume processes, size the capacity release, and put one agent into production-grade pilot with controls and model-risk sign-off.
   Deal range (est.) $8M–$25M · proof points

Watch-outs

• Other firms at the account: IBM, Capgemini, NTT Datamentions unverified
• Emerging markets (Brazil), UK motor finance redress, execution of the platform migrations, and cyber (2024 data breach).

Their priorities

• Ana Botín's "ONE Transformation" plan puts every country onto common global platforms (Gravity cloud-native core, Openbank digital, PagoNxt payments, Zinia consumer). It targets a cost-to-income ratio of about 41% and an ROTE of 16%+ (2026-28 plan approved at the March 2026 AGM). unverified
• US growth (Openbank US, CIB) and UK scale after the TSB acquisition. unverified
• Acquired TSB from Sabadell (about £2.65B, 2025-26), with integration into Santander UK. Sold a stake in Poland's Santander Bank Polska to Erste (2025). unverified
• In-house engineering arms (Santander Digital Services, Openbank tech). Accenture, Capgemini, NTT Data and IBM all have large Santander relationships globally. unverified
• Emerging markets (Brazil), UK motor finance redress, execution of the platform migrations, and cyber (2024 data breach). unverified

Recent news

• Q2 2026 · Santander Q2 2026 results press release (company PDF) Public signal
• Q2 2026 · Santander Q2 2026 earnings call transcript (Motley Fool) Public signal
• Mar 2026 · Santander AGM: record profit, bigger dividend, new 2026-28 plan approved (MarketBeat, Mar 2026) Public signal
• Jan 23, 2026 · Fine over past process deficiencies at Openbank; Santander says the issues are fixed and has challenged it. Regulatory actions
• Sep 1, 2025 · Replaced Dirk Marzluf, who moved to senior advisor on transformation. Leadership moves
• Dec 2022 · Santander UK fined for repeated anti-money-laundering failures. Regulatory actions

Talking points

• TSB integration into Santander UK is a large migration (customers, cores, people) and needs a migration factory.
• The ONE platform rollouts across countries are a repeatable motion. Offer country-by-country migration accelerators.

Plays to raise

1. TSB integration and migrationM&A & integrationIdentifiednamed buyer
   Why now: TSB integration into Santander UK is a large migration (customers, cores, people) and needs a migration factory.
   Ask: A 3-week integration readiness and synergy assurance review: test the synergy case line by line, flag conversion risks, and stand up a weekly synergy tracker the CFO can use with investors.
   Deal range (est.) $15M–$45M · proof points
2. Gravity and ONE platform country rolloutsCloud & coreIdentifiednamed buyer
   Why now: Ana Botín's "ONE Transformation" plan puts every country onto common global platforms (Gravity cloud-native core, Openbank digital, PagoNxt payments, Zinia consumer).
   Ask: An 8-week modernization blueprint: application portfolio scan, target architecture, migration waves and a self-funding business case, using Accenture tooling for code and dependency analysis.
   Deal range (est.) $20M–$60M · proof points
3. Gen AI operations at scaleAI & agentsIdentifiednamed buyer
   Why now: "ONE Transformation" onto global platforms (Gravity core, Openbank, PagoNxt); bought TSB in the UK; record profits.
   Ask: A 6-week agentic operations diagnostic: map 3-5 high-volume processes, size the capacity release, and put one agent into production-grade pilot with controls and model-risk sign-off.
   Deal range (est.) $8M–$25M · proof points

Watch-outs

• Other firms at the account: IBM, Capgemini, NTT Datamentions unverified
• Emerging markets (Brazil), UK motor finance redress, execution of the platform migrations, and cyber (2024 data breach).

Their priorities

• Ana Botín's "ONE Transformation" plan puts every country onto common global platforms (Gravity cloud-native core, Openbank digital, PagoNxt payments, Zinia consumer). It targets a cost-to-income ratio of about 41% and an ROTE of 16%+ (2026-28 plan approved at the March 2026 AGM). unverified
• Gravity, its in-house cloud-native core running in many countries. Big private cloud (Santander Digital Services). Partnerships with Google, Microsoft and OpenAI (ChatGPT Enterprise rollout, 2025). unverified
• In-house engineering arms (Santander Digital Services, Openbank tech). Accenture, Capgemini, NTT Data and IBM all have large Santander relationships globally. unverified
• Emerging markets (Brazil), UK motor finance redress, execution of the platform migrations, and cyber (2024 data breach). unverified

Recent news

• Q2 2026 · Santander Q2 2026 results press release (company PDF) Public signal
• Q2 2026 · Santander Q2 2026 earnings call transcript (Motley Fool) Public signal
• Mar 2026 · Santander AGM: record profit, bigger dividend, new 2026-28 plan approved (MarketBeat, Mar 2026) Public signal
• Jan 23, 2026 · Fine over past process deficiencies at Openbank; Santander says the issues are fixed and has challenged it. Regulatory actions
• Sep 1, 2025 · Replaced Dirk Marzluf, who moved to senior advisor on transformation. Leadership moves
• Dec 2022 · Santander UK fined for repeated anti-money-laundering failures. Regulatory actions

Talking points

• TSB integration into Santander UK is a large migration (customers, cores, people) and needs a migration factory.
• The ONE platform rollouts across countries are a repeatable motion. Offer country-by-country migration accelerators.

Plays to raise

1. Gravity and ONE platform country rolloutsCloud & coreIdentified
   Why now: Ana Botín's "ONE Transformation" plan puts every country onto common global platforms (Gravity cloud-native core, Openbank digital, PagoNxt payments, Zinia consumer).
   Ask: An 8-week modernization blueprint: application portfolio scan, target architecture, migration waves and a self-funding business case, using Accenture tooling for code and dependency analysis.
   Deal range (est.) $20M–$60M · proof points
2. Gen AI operations at scaleAI & agentsIdentified
   Why now: "ONE Transformation" onto global platforms (Gravity core, Openbank, PagoNxt); bought TSB in the UK; record profits.
   Ask: A 6-week agentic operations diagnostic: map 3-5 high-volume processes, size the capacity release, and put one agent into production-grade pilot with controls and model-risk sign-off.
   Deal range (est.) $8M–$25M · proof points

Watch-outs

• Other firms at the account: IBM, Capgemini, NTT Datamentions unverified
• Emerging markets (Brazil), UK motor finance redress, execution of the platform migrations, and cyber (2024 data breach).

Their priorities

• Ana Botín's "ONE Transformation" plan puts every country onto common global platforms (Gravity cloud-native core, Openbank digital, PagoNxt payments, Zinia consumer). It targets a cost-to-income ratio of about 41% and an ROTE of 16%+ (2026-28 plan approved at the March 2026 AGM). unverified

Recent news

• Q2 2026 · Santander Q2 2026 results press release (company PDF) Public signal
• Q2 2026 · Santander Q2 2026 earnings call transcript (Motley Fool) Public signal
• Mar 2026 · Santander AGM: record profit, bigger dividend, new 2026-28 plan approved (MarketBeat, Mar 2026) Public signal
• Jan 23, 2026 · Fine over past process deficiencies at Openbank; Santander says the issues are fixed and has challenged it. Regulatory actions
• Sep 1, 2025 · Replaced Dirk Marzluf, who moved to senior advisor on transformation. Leadership moves
• Dec 2022 · Santander UK fined for repeated anti-money-laundering failures. Regulatory actions

Talking points

• TSB integration into Santander UK is a large migration (customers, cores, people) and needs a migration factory.
• The ONE platform rollouts across countries are a repeatable motion. Offer country-by-country migration accelerators.

Plays to raise

1. TSB integration and migrationM&A & integrationIdentifiednamed buyer
   Why now: TSB integration into Santander UK is a large migration (customers, cores, people) and needs a migration factory.
   Ask: A 3-week integration readiness and synergy assurance review: test the synergy case line by line, flag conversion risks, and stand up a weekly synergy tracker the CFO can use with investors.
   Deal range (est.) $15M–$45M · proof points
2. Gravity and ONE platform country rolloutsCloud & coreIdentifiednamed buyer
   Why now: Ana Botín's "ONE Transformation" plan puts every country onto common global platforms (Gravity cloud-native core, Openbank digital, PagoNxt payments, Zinia consumer).
   Ask: An 8-week modernization blueprint: application portfolio scan, target architecture, migration waves and a self-funding business case, using Accenture tooling for code and dependency analysis.
   Deal range (est.) $20M–$60M · proof points
3. Gen AI operations at scaleAI & agentsIdentifiednamed buyer
   Why now: "ONE Transformation" onto global platforms (Gravity core, Openbank, PagoNxt); bought TSB in the UK; record profits.
   Ask: A 6-week agentic operations diagnostic: map 3-5 high-volume processes, size the capacity release, and put one agent into production-grade pilot with controls and model-risk sign-off.
   Deal range (est.) $8M–$25M · proof points

Watch-outs

• Other firms at the account: IBM, Capgemini, NTT Datamentions unverified

Their priorities

• Ana Botín's "ONE Transformation" plan puts every country onto common global platforms (Gravity cloud-native core, Openbank digital, PagoNxt payments, Zinia consumer). It targets a cost-to-income ratio of about 41% and an ROTE of 16%+ (2026-28 plan approved at the March 2026 AGM). unverified
• US growth (Openbank US, CIB) and UK scale after the TSB acquisition. unverified
• Acquired TSB from Sabadell (about £2.65B, 2025-26), with integration into Santander UK. Sold a stake in Poland's Santander Bank Polska to Erste (2025). unverified

Recent news

• Q2 2026 · Santander Q2 2026 results press release (company PDF) Public signal
• Q2 2026 · Santander Q2 2026 earnings call transcript (Motley Fool) Public signal
• Mar 2026 · Santander AGM: record profit, bigger dividend, new 2026-28 plan approved (MarketBeat, Mar 2026) Public signal
• Jan 23, 2026 · Fine over past process deficiencies at Openbank; Santander says the issues are fixed and has challenged it. Regulatory actions
• Sep 1, 2025 · Replaced Dirk Marzluf, who moved to senior advisor on transformation. Leadership moves
• Dec 2022 · Santander UK fined for repeated anti-money-laundering failures. Regulatory actions

Talking points

• TSB integration into Santander UK is a large migration (customers, cores, people) and needs a migration factory.
• The ONE platform rollouts across countries are a repeatable motion. Offer country-by-country migration accelerators.

Plays to raise

1. TSB integration and migrationM&A & integrationIdentifiednamed buyer
   Why now: TSB integration into Santander UK is a large migration (customers, cores, people) and needs a migration factory.
   Ask: A 3-week integration readiness and synergy assurance review: test the synergy case line by line, flag conversion risks, and stand up a weekly synergy tracker the CFO can use with investors.
   Deal range (est.) $15M–$45M · proof points

Watch-outs

• Other firms at the account: IBM, Capgemini, NTT Datamentions unverified

Their priorities

• Ana Botín's "ONE Transformation" plan puts every country onto common global platforms (Gravity cloud-native core, Openbank digital, PagoNxt payments, Zinia consumer). It targets a cost-to-income ratio of about 41% and an ROTE of 16%+ (2026-28 plan approved at the March 2026 AGM). unverified
• Gravity, its in-house cloud-native core running in many countries. Big private cloud (Santander Digital Services). Partnerships with Google, Microsoft and OpenAI (ChatGPT Enterprise rollout, 2025). unverified
• In-house engineering arms (Santander Digital Services, Openbank tech). Accenture, Capgemini, NTT Data and IBM all have large Santander relationships globally. unverified
• Emerging markets (Brazil), UK motor finance redress, execution of the platform migrations, and cyber (2024 data breach). unverified

Recent news

• Q2 2026 · Santander Q2 2026 results press release (company PDF) Public signal
• Q2 2026 · Santander Q2 2026 earnings call transcript (Motley Fool) Public signal
• Mar 2026 · Santander AGM: record profit, bigger dividend, new 2026-28 plan approved (MarketBeat, Mar 2026) Public signal
• Jan 23, 2026 · Fine over past process deficiencies at Openbank; Santander says the issues are fixed and has challenged it. Regulatory actions
• Sep 1, 2025 · Replaced Dirk Marzluf, who moved to senior advisor on transformation. Leadership moves
• Dec 2022 · Santander UK fined for repeated anti-money-laundering failures. Regulatory actions

Talking points

• TSB integration into Santander UK is a large migration (customers, cores, people) and needs a migration factory.
• The ONE platform rollouts across countries are a repeatable motion. Offer country-by-country migration accelerators.

Plays to raise

1. TSB integration and migrationM&A & integrationIdentifiednamed buyer
   Why now: TSB integration into Santander UK is a large migration (customers, cores, people) and needs a migration factory.
   Ask: A 3-week integration readiness and synergy assurance review: test the synergy case line by line, flag conversion risks, and stand up a weekly synergy tracker the CFO can use with investors.
   Deal range (est.) $15M–$45M · proof points
2. Gravity and ONE platform country rolloutsCloud & coreIdentifiednamed buyer
   Why now: Ana Botín's "ONE Transformation" plan puts every country onto common global platforms (Gravity cloud-native core, Openbank digital, PagoNxt payments, Zinia consumer).
   Ask: An 8-week modernization blueprint: application portfolio scan, target architecture, migration waves and a self-funding business case, using Accenture tooling for code and dependency analysis.
   Deal range (est.) $20M–$60M · proof points
3. Gen AI operations at scaleAI & agentsIdentifiednamed buyer
   Why now: "ONE Transformation" onto global platforms (Gravity core, Openbank, PagoNxt); bought TSB in the UK; record profits.
   Ask: A 6-week agentic operations diagnostic: map 3-5 high-volume processes, size the capacity release, and put one agent into production-grade pilot with controls and model-risk sign-off.
   Deal range (est.) $8M–$25M · proof points

Watch-outs

• Other firms at the account: IBM, Capgemini, NTT Datamentions unverified
• Emerging markets (Brazil), UK motor finance redress, execution of the platform migrations, and cyber (2024 data breach).

Their priorities

• Ana Botín's "ONE Transformation" plan puts every country onto common global platforms (Gravity cloud-native core, Openbank digital, PagoNxt payments, Zinia consumer). It targets a cost-to-income ratio of about 41% and an ROTE of 16%+ (2026-28 plan approved at the March 2026 AGM). unverified
• Gravity, its in-house cloud-native core running in many countries. Big private cloud (Santander Digital Services). Partnerships with Google, Microsoft and OpenAI (ChatGPT Enterprise rollout, 2025). unverified
• In-house engineering arms (Santander Digital Services, Openbank tech). Accenture, Capgemini, NTT Data and IBM all have large Santander relationships globally. unverified
• Emerging markets (Brazil), UK motor finance redress, execution of the platform migrations, and cyber (2024 data breach). unverified

Recent news

• Q2 2026 · Santander Q2 2026 results press release (company PDF) Public signal
• Q2 2026 · Santander Q2 2026 earnings call transcript (Motley Fool) Public signal
• Mar 2026 · Santander AGM: record profit, bigger dividend, new 2026-28 plan approved (MarketBeat, Mar 2026) Public signal
• Jan 23, 2026 · Fine over past process deficiencies at Openbank; Santander says the issues are fixed and has challenged it. Regulatory actions
• Sep 1, 2025 · Replaced Dirk Marzluf, who moved to senior advisor on transformation. Leadership moves
• Dec 2022 · Santander UK fined for repeated anti-money-laundering failures. Regulatory actions

Talking points

• TSB integration into Santander UK is a large migration (customers, cores, people) and needs a migration factory.
• The ONE platform rollouts across countries are a repeatable motion. Offer country-by-country migration accelerators.

Plays to raise

1. Gravity and ONE platform country rolloutsCloud & coreIdentifiednamed buyer
   Why now: Ana Botín's "ONE Transformation" plan puts every country onto common global platforms (Gravity cloud-native core, Openbank digital, PagoNxt payments, Zinia consumer).
   Ask: An 8-week modernization blueprint: application portfolio scan, target architecture, migration waves and a self-funding business case, using Accenture tooling for code and dependency analysis.
   Deal range (est.) $20M–$60M · proof points
2. Gen AI operations at scaleAI & agentsIdentified
   Why now: "ONE Transformation" onto global platforms (Gravity core, Openbank, PagoNxt); bought TSB in the UK; record profits.
   Ask: A 6-week agentic operations diagnostic: map 3-5 high-volume processes, size the capacity release, and put one agent into production-grade pilot with controls and model-risk sign-off.
   Deal range (est.) $8M–$25M · proof points

Watch-outs

• Other firms at the account: IBM, Capgemini, NTT Datamentions unverified
• Emerging markets (Brazil), UK motor finance redress, execution of the platform migrations, and cyber (2024 data breach).

Their priorities

• In-house engineering arms (Santander Digital Services, Openbank tech). Accenture, Capgemini, NTT Data and IBM all have large Santander relationships globally. unverified
• Emerging markets (Brazil), UK motor finance redress, execution of the platform migrations, and cyber (2024 data breach). unverified

Recent news

• Q2 2026 · Santander Q2 2026 results press release (company PDF) Public signal
• Q2 2026 · Santander Q2 2026 earnings call transcript (Motley Fool) Public signal
• Mar 2026 · Santander AGM: record profit, bigger dividend, new 2026-28 plan approved (MarketBeat, Mar 2026) Public signal
• Jan 23, 2026 · Fine over past process deficiencies at Openbank; Santander says the issues are fixed and has challenged it. Regulatory actions
• Sep 1, 2025 · Replaced Dirk Marzluf, who moved to senior advisor on transformation. Leadership moves
• Dec 2022 · Santander UK fined for repeated anti-money-laundering failures. Regulatory actions

Talking points

• TSB integration into Santander UK is a large migration (customers, cores, people) and needs a migration factory.
• The ONE platform rollouts across countries are a repeatable motion. Offer country-by-country migration accelerators.

Plays to raise

1. Gen AI operations at scaleAI & agentsIdentifiednamed buyer
   Why now: "ONE Transformation" onto global platforms (Gravity core, Openbank, PagoNxt); bought TSB in the UK; record profits.
   Ask: A 6-week agentic operations diagnostic: map 3-5 high-volume processes, size the capacity release, and put one agent into production-grade pilot with controls and model-risk sign-off.
   Deal range (est.) $8M–$25M · proof points

Watch-outs

• Other firms at the account: IBM, Capgemini, NTT Datamentions unverified
• Emerging markets (Brazil), UK motor finance redress, execution of the platform migrations, and cyber (2024 data breach).