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Kalman Tiboldi - CTO & Founder at GemOne-TVH - Simplify or Die: Why Complexity Is the Real IT Challenge
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UK Sep 30, 2025 Invitation Only Physical english
This exclusive Jefferson dinner, hosted by Mendix and CIONET, brings together a hand-picked group of senior executives and digital leaders from across the UK financial sector.
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Netherlands Sep 30, 2025 Invitation Only Physical dutch
Alleen op uitnodiging. Mastering Digital Sovereignty Control, trust and resilience in an era of geopolitical and regulatory shifts. From the Network to the Data.
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Belgium Oct 1, 2025 Invitation Only Physical english
In today’s rapidly evolving technological landscape, organisations face a critical challenge: how to modernise their legacy systems while managing costs, maintaining security, and ensuring operational continuity. This exclusive round table discussion brings together CIOs, CTOs, and Digital Leaders to explore best practices for legacy and lifecycle management. Key topics include extending the lifespan of existing systems, mitigating cyber security risks, optimising costs, and integrating legacy platforms with modern technologies. We’ll also delve into sustainability, workforce challenges, and future-proofing IT infrastructures to navigate technological obsolescence.
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Germany Oct 7, 2025 Country Members Virtual german
Alle nutzen KI, aber keiner weiß wie effektiv! Im Jahr 2025 sind wir als IT-EntscheiderInnen gefordert die Wünsche der Fachbereiche an Künstliche Intelligenz zu managen. Welche KI dient als Copilot für unsere Mitarbeitenden, inwieweit hat diese Zugang zu Firmenwissen und könnten wir heute bereits sinnvoll einen KI Agenten in die IT Systemlandschaft einbinden? Unser Business Partner Scheer PAS spricht als Anbieter einer Process iPaaS Plattform mit hunderten Unternehmen jedes Jahr über IT-Integration. In dieser Online-Session besprechen wir erste Reifegradmodelle zu KI, wo der deutsche Mittelstand sich befindet und wie wir die nächste Innovationsstufe erreichen. Wir teilen praktische Erfahrungen aus dem Marktumfeld und planen unsere nächsten Schritte in der Adaption von KI.
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Netherlands Oct 7, 2025 AB Members Physical dutch
De Advisory Board van CIONET NL komt samen. We bespreken de planning voor 2025 en discussiëren over specifieke en door de board aangedragen onderwerpen.
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Spain Oct 8, 2025 Country Members Physical spanish
En un mundo cada vez más acelerado y competitivo, la gestión y el análisis de datos ya no son suficientes. Las grandes compañías deben avanzar hacia un enfoque basado en eventos, impulsado por la automatización y la analítica predictiva, para anticipar cambios, prevenir riesgos y capitalizar oportunidades.
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Banco Santander Consumer Portugal Adopts the OutSystems Platform
Banco Santander Consumer Portugal selected OutSystems to power its ambitious digital transformation program in 2017. Working with OutSystems partner KPMG, the bank had replaced 70% of its core systems by the beginning of 2020. With a new agile IT architecture, the bank is now able to innovate at speed, to launch new channels and solutions.
“The OutSystems development approach has greatly contributed to the success of the program. It has improved our agile practices and helped us involve business users in a much more responsive way.” - Domingos FerreiraIT & Operations Director, Banco Santander Consumer Portugal
Banco Santander Consumer Portugal, part of Santander Group, a top-10 global financial services group, provides credit solutions to consumers both directly and via leading consumer goods and automotive partners. In Portugal, Santander Consumer financed loans totaling 465 million Euros in 2018.
Santander Consumer was struggling to adapt to a fast-changing market. Successive mergers and acquisitions had led to a complex IT architecture, which added cost and delays to every IT related improvement or innovation.
Santander Consumer faced increasing competition, and the bank's business strategy was to diversify and become a major player in the consumer loan and insurance markets.
The bank's leadership realized that it needed to escape the inertia imposed by its hard-to-change legacy IT, to speed-up the launch of new products, services, and digital experiences.
"Working with OutSystems and KPMG, we have built a new IT architecture, replaced 70% of our core systems, and streamlined our operations. We are now executing the business vision and delivering new digital channels and solutions to lead in the consumer finance market.” - Domingos FerreiraIT & Operations Director, Banco Santander Consumer Portugal
Speed-up development and improve agility
No lock-in, open standards-based platform
Powerful integrationIn 2016, Santander Consumer put together a company-wide task-force to digitally transform every aspect of the business, including products, processes, channels, compliance, and IT. KPMG were appointed to help deliver the transformation program between 2017 to 2019.
Following an extensive evaluation, OutSystems was selected as the low-code application development platform to refresh the bank’s technology. Key selection criteria included:
Santander Consumer’s Management was also impressed that the OutSystems team quickly grasped the full extent of the proposed wide-ranging transformation program.
The digital transformation required a new, agile IT architecture to replace many of Santander Consumer’s 20-year old systems. Fundamental to this was the creation of an enterprise service bus, a new business process management layer, and new channels for all product stakeholders. All of these were to be developed on the OutSystems platform.
The new architecture enables fast and flexible development and maximizes the reuse of code across multiple products and channels. The bank is now able to quickly digitalize processes and streamline operations so that it can launch new products and channels in a much more efficient way.
These improvements and innovations are transforming the way that the bank operates and engages with partners and customers.
The “NeXt Future” program includes 47 distinct initiatives and 14 new solutions, developed in three years by an internal team of around 20 people, from IT, operations, and various business departments, and up to 40 people from KPMG.
Many reusable components have already transitioned to the new architecture, including:
In late 2018, the first solutions went live for consumer credit and personal loans, which are high priority growth targets for Santander Consumer. Other solutions built with OutSystems that are already in production include:
Santander Consumer has also built a new portal for auto dealers that, at the time of writing, is about to go live. This comprehensive solution will significantly simplify and improve the onboarding experience for auto dealers and their customers by enabling document upload and real-time status updates throughout the process.
The bank is also about to launch new fully-integrated solutions for credit recovery and associated litigation.
KPMG is one of the world's leading professional services firms. We are proud of our firm's strong and established reputation, a reputation that is built on a long history of independence, integrity...
Learn more about KPMG Advisory - Consultores de Gestão, S.A.By the beginning of 2020, Santander had replaced 70% of the processes that were in its legacy core systems. As Domingos Ferreira, IT & Operations Director, puts it, “In just three years, we have replaced and improved a technology architecture that took us 20 years to develop.”
However, technology change is not, in itself, the end-goal. The real achievement is the new-found agility that allows the bank to quickly launch new propositions to market, with streamlined, digitally-optimized processes, and significantly improved customer experience.
Moreover, higher customer satisfaction scores confirm that improved customer experiences are making a difference.
“The OutSystems development approach has greatly contributed to the success of the program,” says Domingos. “It has improved our agile practices and helped us involve business users in a much more responsive way.”
Cultural change goes hand-in-hand with Santander Consumer’s digital transformation, as the bank adopts a more customer-centric, agile approach to develop and deliver the products and experiences its partners and users need.
In summary, here are just a few of the achievements delivered over the three-year program:
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Sharon Prior - CIO in transition - How Great Tech Leadership Begins with Business Thinking
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CIOFEST 2025 - From Order Taker to Proactive Disruptor
As AI transitions from a specialised tool to an all-pervasive force, understanding its profound implications for our human lives is no longer merely academic but an urgent imperative for social well-being and strategic preparedness.
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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