Hello Bank | Keboola Customer Stories Copy

Region

Europe

Industry:

Financial Services

Company Size:

Enterprise

$0.7B+

Total Assets

340,000+

Customers

100%

Digital Financial Services

About Hello bank!

Hello bank! — part of the BNP Paribas Personal Finance group — operated in Czechia as a mid-sized digital bank offering consumer loans, credit cards and savings products.

At rebranding in 2017, it had around 400,000 active clients and 2,000 partner stores inherited from its Cetelem legacy. In 2018, the bank managed a loan portfolio of ≈ 11.9 billion CZK, employed roughly 537 people, and generated revenues of 1,895 million CZK with a net profit of 554 million CZK.

Its size and historical footprint made it a complex ecosystem — exactly the kind of environment where fragmented systems, legacy tools and disconnected data threatened clarity and efficiency.

"It was like the Wild West,"

"We had conversion data scattered across AdWords, Sklik, CRM systems, and countless Excel files. We knew our cost-per-conversion numbers were wrong-systematically overestimated-but we had no way to prove it or fix it."

Most critically

The hidden cost wasn't just inefficiency. It was financial blindness: Marketing budgets allocated based on incomplete data, week-long delays to answer basic questions, and strategic decisions delayed by data doubt.

"We were spending a fair amount on channels that generate 10% of all digital applications, yet the transformation into actual business was even below 1%."

Daniel Gorol, Digital Marketing Manager at Hello bank

Before Keboola

The Reality of Fragmentation

„Before modernization, Hello bank! faced exactly the same fragmentation challenges as most finance-driven organizations…“

Excel files as systems of record

Each tool told part of the story

Black-box vendor solutions

Week-long processes

The Solution: Unified Financial Data Foundation

Hello bank! didn't need another analytics dashboard. They needed a governed foundation where every euro spent could be traced to every euro earned.

End-to-End Traceability

Complete Journey Visibility  From banner impression to approved financing, every conversion, cost, and customer action is linked end-to-end. No black boxes, no missing steps — just a governed, auditable flow.

One model for all channels

Real-time pipeline updates

One-Click Reporting & Governance

Instant Answers for Finance & Marketing Week-long processes are replaced with one-click reports based on governed, certified metrics.

No manual reconciliation

Certified KPIs across all channels

Every conversion, every cost, every financed loan became traceable end-to-end-from banner impression to approved financing. No black boxes. No hidden assumptions.

"We were the first ones who could monitor users from the minute they saw a banner all the way to financing,"

Daniel Gorol, Digital Marketing Manager at Hello bank

The Outcome: From Cost Center to Profit Driver

Marketing budgets could finally be reallocated based on actual profitability, not application volume. Finance could see which channels drove financed conversions versus just applications.

Week-long manual reporting became one-click, instant insights. Daily automated updates replaced slow monthly cycles.

CRM data showed channels with 10% applications had under 1% real business. Budgets shifted to profitable channels.

Hello bank! became a data-driven market at BNP Paribas. Finance shifted to a strategic, insight-driven partner.

Data aligned to one certified source of truth, eliminating KPI disputes and enabling faster decision-making.

"Only after incorporating the CRM data did we get a true revelation. We found out that we're spending a fair amount on channels that generate 10% of all digital applications, yet the transformation into actual business was even below 1%."

Daniel Gorol,
Digital Marketing Manager at Hello bank

Strategic Transformation

"This pioneering approach earned us quite a reputation in the BNP group," Gorol notes. Hello bank! became recognized as one of the most advanced markets in the BNP Paribas group for data-driven financial decision-making.

The CFO Advantage: Why This Matters

Evans selected Keboola for its unique ability to rapidly transform complex data scenarios into streamlined, automated workflows. The decision was driven by Keboola's key differentiators:

No IT Bottleneck

Keboola delivered outcomes without heavy implementation, costly corporate tooling, or additional IT workload. Even advanced data enrichment required zero engineering support.

Governance Without Bureaucracy

A complete audit trail from impression to financed revenue ensures reliable, certified metrics across all channels—without manual reconciliation or black-box logic.

Scalable Intelligence

What started as attribution modeling evolved into a unified intelligence backbone, integrating CRM, NPS, competitive spend, and text analytics in one governed framework.

"There are group-wide corporate tools that can provide in-house data enrichment, yet these are too expensive and difficult to implement. Such systems also use up a lot of our IT resources. With Keboola, we know the solution implemented will not mean any work for our IT staff."

Daniel Gorol, Digital Marketing Manager at Hello bank

Marketing spend became measurable, turning a cost center into a profit driver. CRM data revealed that channels generating 10% of applications delivered less than 1% real business. This clarity finally allowed budgets to shift toward the channels that truly drive profitability.

Week-long manual reporting was replaced with one-click insights delivered daily. Hello bank! quickly became one of the most data-driven markets in the BNP Paribas group, with finance operating as a strategic partner rather than a cost center.