Kalman Tiboldi - CTO & Founder at GemOne-TVH - Simplify or Die: Why Complexity Is the Real IT Challenge
Belgium Sep 13, 2025 All Members Physical english
Join us for a wonderful ride. The ride is accessible to all levels of riders and doesn't require extensive technical skills. More information will follow soon. Looking forward to ride together!
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Germany Sep 17, 2025 Country Members Physical german
Cybersecurity ist längst kein reines IT-Thema mehr – sie betrifft das gesamte Unternehmen. Doch während die Bedrohungslage zunimmt, geraten viele Security-Verantwortliche an ihre Belastungsgrenzen: zwischen 24/7-Verantwortung, wachsenden Anforderungen und dem ständigen Innovationsdruck.
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Germany Sep 17, 2025 Country Members Physical german
IT-Betrieb und Cybersicherheit stehen heute unter extremem Druck: steigende Komplexität, wachsende regulatorische Anforderungen (NIS2, DORA, KRITIS), chronische Ressourcenknappheit – und gleichzeitig eine Bedrohungslage, die keine Verzögerungen duldet. Trotzdem agieren viele IT- und Security-Teams noch immer in Silos. Die Folge: ineffiziente Abläufe, Tool-Wildwuchs, langsame Reaktion auf Vorfälle und unklare Verantwortlichkeiten.
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Germany Sep 18, 2025 Country Members Virtual german
Nachhaltigkeit ist für CIOs nicht nur ein „Nice-to-have“, sondern eine strategische Priorität – sie beeinflusst direkt die finanzielle Performance, die operative Effizienz und die langfristige Wettbewerbsfähigkeit.
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Belgium Sep 18, 2025 Country Members Physical french
La dette technique est comparable à la négligence des réparations d'une maison. Ignorer un toit qui fuit peut faire gagner du temps aujourd'hui, mais cela pourrait conduire à l'effondrement du plafond plus tard. Pour remédier à la dette technique, il faut trouver et réparer ces fuites dès maintenant et mettre en place un plan d'entretien de la maison afin qu'elle soit prête pour les extensions futures. Pour résoudre ces problèmes, il faut définir des priorités stratégiques, communiquer clairement avec les parties prenantes et établir une feuille de route à long terme pour la modernisation. Cet événement se déroulera entièrement en français.
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UK Sep 22, 2025 Invitation Only Physical english
Join us on September 22nd for the first event from the next phase of our CIO series executive roundtables from CIONET, Cognizant and Google Cloud.
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Finance Company Will Build Native Mobile Apps with Low-Code Platform
CA CF NL Consumer Finance Nederland B.V. is a financial company that needed to revamp its outdated core banking system. Initially, they intended to create only a few applications with the OutSystems platform. However, they quickly realized how easy it was to replace existing systems and build new applications.
Challenge - CA CF NL is part of Crédit Agricole Consumer Finance, a leading player in the European consumer credit market. With an outstanding portfolio of over 2.3 billion euros, CA CF NL is one of the largest finance companies.
CA CF NL is committed to digital transformation and, as part of that, the company wanted to update its legacy banking applications.
“CA CF NL is basically an IT company with a banking license,” says Erwin Kooiman, senior manager IT, who leads a team of IT specialists covering functional and technical maintenance. After analysing the challenge he faced, Kooiman realized he was going to need some help. That’s when he started looking at the OutSystems low-code platform.
"With OutSystems low-code development platform, we can build native mobile apps that will give us a huge competitive advantage and help us fulfil our goal of becoming a true digital financing partner."Erwin Kooiman, IT senior manager at Credit Agricole Consumer Finance (CA CF NL)
Solution - CA CF NL’s architects quickly concluded that OutSystems was the best option for them, recalls Kooiman. “In addition to being a good development platform, it fit well into our core systems, which made it ideal for integration.”
Kooiman adds, "Initially, we only wanted to develop a few non-critical systems ourselves but soon we decided to start developing mission-critical systems. We also bridged the gap between off-the-shelf solutions and tailored systems that make us unique.”
CA CF NL felt it was important to work closely with OutSystems and an integration partner on the legacy system modernization. "The core banking system and ESB are critical to our business, so the transition had to be done right in one go," Kooiman explains. "I was really pleased with the guidance we received, first from OutSystems in Portugal, and later from our Dutch implementation partner COOLProfs."
Another aspect of OutSystems that Kooiman and his team really liked is that it enables rapid interaction between developers as well as testers and users. That means that applications can be delivered and adapted quickly, increasing interaction with the business.
Applications built with OutSystems include:
Results - Kooiman and his team were pleasantly surprised by the ease and speed of building native mobile apps, and this led to the idea of becoming a Mobile Development Center of Excellence.
Kooiman couldn’t be happier with the way things are going. “Our IT team becomes a well-oiled machine running at full speed. With this new élan, we are convinced we will be able to maintain our position in the market and face the challenges of digitalization ahead.”
OutSystems enabled CA CF NL’s IT team to:
Kalman Tiboldi - CTO & Founder at GemOne-TVH - Simplify or Die: Why Complexity Is the Real IT Challenge
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CIOFEST 2025 - From Order Taker to Proactive Disruptor
Geopolitical tensions have dominated the headlines for over two years now. In this context, the cyber threat landscape is also evolving rapidly. The protection and security of critical infrastructure – both physical and digital – is becoming increasingly important.
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