2023 Highlights Digital Consumer Bank Europe
Technology and Operations (T&O)
'The T&O mission is to enable the Group strategy by building customer-
oriented, secure, efficient and innovative technology working with the
business units in a flexible and agile way'
Global T&O capabilities are key for our digital transformation
Composed of four main domains that
contribute to the digital transformation
Focused on five technological pillars to respond to
the changing business needs
Operating model oriented to develop
global platforms and digital services,
guaranteeing their quality and security
Technology
Cybersecurity
Operations
ATMs
Data
T
***
Business
needs
R&C
DCB
Payments
CIB
WM&I
Speed
Innovation
Security
by design
Cost
Service
quality
Open
business
model
Common
Architecture
Operational
Excellence
Agile
(Business
Embedding)
Core
Deep
Cloud
systems technology Data
evolution skills
Risk
Management
(incl. cybersecurity)...
c.4,500 tech
professionals
The robust T&O service allows us to run the bank and serves our customers with high standards of quality and efficiency
Santander
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