White paperScaling Trust Capital
Learn how mutual banks can modernise core banking technology while deepening trusted member relationships through cloud-native automation and digital proximity.
White paperTransforming your core while maintaining a human touch
Digital transformation for mutual banks in Australia and New Zealand doesn't mean sacrificing member relationships. While major institutions face the drag of massive, outdated legacy infrastructure, customer-owned banks can turn agility into a distinct competitive advantage through digital proximity.
Engine by Starling enables true inside-out modernisation. By replacing inefficient legacy systems with a modern, cloud-native platform, mutuals can streamline complex operations and eliminate administrative burdens. Automating routine processes gives staff the freedom and focus to do what they do best: providing the genuine, empathetic, and tailored service that keeps communities connected and loyal.
"At Engine by Starling, we believe the most powerful element of modernisation for mutual banks is digital proximity."
Managing Director
Australia and New Zealand
Scaling Trust CapitalModern technology does not automate empathy out of existence; it clears the operational path for it.
Rather than using technology to distance the customer, an intentional model like Starling’s uses cloud-native capabilities to streamline backend administration to allow human teams to be more accessible, responsive, and present.
Through a strategic partnership with Engine by Starling, SBS is radically reshaping its operational future. SBS’ approach will move the bank from a traditional regional player into a truly modern, cloud-native mutual.
In order to truly harness the power of human-first scale, financial institutions across Australia and New Zealand require a modernisation strategy that actively de-risks the transition, both technologically and culturally.
Read the foreword
Hear from Engine's Managing Director, Australia and New Zealand, Mark Bernhardi, who considers how mutual banks can leverage the power of digital-first banking to enhance the human-first ethos of community-focused banking.
Read moreDownload the report
We're making banking better across Australia and New Zealand
We are scaling across Australia and New Zealand, empowering banks to leapfrog legacy constraints with our cloud-native platform. Following our partnership with AMP to launch AMP Bank GO, we’ve expanded into New Zealand with SBS Bank.
We're excited to continue revolutionising banking technology in Australia and New Zealand, bringing secure onboarding and smart money management to customers.
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