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 approximately 11.9 billion CZK, employed roughly 537 people, and generated revenues of 1,895 million CZK with a net profit of 554 million CZK.
The Challenge
The CFO Challenge: When Marketing Spend Can’t Be Trusted
We knew our cost-per-conversion numbers were wrong — systematically overestimated — but we had no way to prove it or fix it.
Excel files as systems of record
Each tool told part of the story
Black-box vendor solutions
Week-long processes
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Daniel Gorol
Digital Marketing Manager at Hello bank!
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
“”
Daniel Gorol
Digital Marketing Manager at Hello bank!
The Outcome
From Cost Center to Profit Driver
Reporting Speed
Week-long manual reporting became one-click, instant insights. Daily automated updates replaced slow monthly cycles.
Budget Reallocation
CRM data showed channels with 10% applications had under 1% real business. Budgets shifted to profitable channels.
Strategic Recognition
Hello bank! became a data-driven market at BNP Paribas. Finance shifted to a strategic, insight-driven partner.
Data Alignment
Data aligned to one certified source of truth, eliminating KPI disputes and enabling faster decision-making.
“”
Daniel Gorol
Digital Marketing Manager at Hello bank!
