How Hello bank! connected previously siloed marketing and CRM data, eliminated manual reporting, and uncovered which channels actually drove financed loans.
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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.
Challenges
“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.”
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%.”
„Before modernization, Hello bank! faced exactly the same fragmentation challenges as most finance-driven organizations…“
Excel files as systems of recordEach tool told part of the storyBlack-box vendor solutionsWeek-long processesHello bank! didn't need another analytics dashboard. They needed a governed foundation where every euro spent could be traced to every euro earned.
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 channelsReal-time pipeline updates
Instant Answers for Finance & Marketing
Week-long processes are replaced with one-click reports based on governed, certified metrics.
No manual reconciliationCertified KPIs across all channelsEvery 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”
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%.”
“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 Results:
Hello bank! 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:
Keboola delivered outcomes without heavy implementation, costly corporate tooling, or additional IT workload. Even advanced data enrichment required zero engineering support.
A complete audit trail from impression to financed revenue ensures reliable, certified metrics across all channels — without manual reconciliation or black-box logic.
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.”
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.
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