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CIONET - What's next

Connecting ambitious digital leaders and businesses around the globe.

Catch up on the upcoming CIONET Events

             
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Germany Sep 9, 2025 Country Members Physical german

Frankfurt: AI Driven Logistics

Vom ersten Use Case zur strategischen Neuausrichtung CIONET lädt bereits zum vierten Mal zu einem exklusiven Roundtable für CIOs und Digitalverantwortliche aus Logistik und Handel ein. Im Mittelpunkt des Abends steht die Frage, wie Unternehmen ihre KI-Initiativen erfolgreich skalieren und aus ersten Use Cases echten strategischen Mehrwert schaffen. Microsoft 365 für Frontline Worker: Moderne Tools, die Mitarbeitende im Tagesgeschäft entlasten ServiceNow für Prozessintegration: Automatisierte End-to-End-Workflows – vom Schadensfall bis zur Retourenabwicklung KI-gestützte Disposition und Planung: Mit smarten Algorithmen zur optimierten Supply Chain Digitale Lieferketten und letzte Meile: Transparenz, Effizienz und Kundenzentrierung durchgängig gedacht

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Belgium Sep 13, 2025 All Members Physical english

CIONET Cycling Event

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

München: Cyber Security Fatigue

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

Köln: CIO & CISO, das Rezilienz-Power-Duo

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

Online: Nachhaltige IT - CIDO Priorität

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

Les Rencontres: La dette technique : Un défi stratégique pour les entreprises

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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Recent Cases

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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.

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“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

 
Challenge

Struggling to Adapt to a Rapidly Changing Market

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

 
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Why Santander Consumer chose OutSystems:
  • Speed-up development and improve agility
  • no vendor lock in iconNo lock-in, open standards-based platform
  • platform integration iconPowerful integration

Solution

An OutSystems Powered Digital Transformation

In 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:

  • Fit for agile development practices
  • Support for API integration and microservices
  • Ease and speed of development
  • No lock-in, or development limits

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.

 

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Many reusable components have already transitioned to the new architecture, including:

  • A new end-to-end digital process for the onboarding of all products
  • User and access authentication
  • Communications and services gateway
  • Workflow services (for processes such as collections and fraud prevention)

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:

  • eCommerce – offering consumer credit products as a payment option in partner’s eCommerce portals
  • Digital cash loans – a consumer credit solution to provide personal credit
  • Complaint management solution
  • New durables dealer’s portal – a B2B digital solution that supports business acquisition through dealer networks (from simulation to payment).
  • New used car portal - A B2B solution that is helping the bank grow rapidly in this increasingly important business sector.

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.

 
 
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Partner

KPMG Advisory - Consultores de Gestão, S.A.

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.
 
Results

Streamlined Operations That Improve the Customer Experience

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:

  • Omnichannel solutions from simulation to payment
  • Front-end mobile-first and fully responsive digital experiences
  • Digital “Know Your Customer,” authentication and document signature
  • Integration with business partners via APIs
  • Single end-customer home banking
  • Digital assets shared across all products, channels, and partners
  • Established a modern, agile architecture that supports rapid innovation and lower cost of maintenance.

Technologies

Outsystems

Checkout our CIONET COOKBOOK

cookbook

Embark on a culinary journey through the ever-evolving world of digital leadership with our third edition of the CIONET Cookbook: Recipes for Digital Success. Unveiling the intricate trilemma faced by today’s Master Chefs, our trailblazing European CIOs address a challenge at the nexus of customer interests, digital transformation strategies, and IT modernisation. Their secret? Synchronising the gearing between customer, business, and technology to create a frictionless movement through the digital landscape.

The CIONET Cookbook uses the analogy of a five-star restaurant to explain the importance of optimally integrated technology, with the CIO as Master Chef. In order to provide the best service to its customers, a top restaurant must have the right atmosphere, an inviting menu, a well-equipped kitchen, talented and committed front-of-house and kitchen staff and smooth-running processes that ensure an enjoyable experience for diners.

CIONET TV

 
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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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Isabelle Droll - CIO for Airline, Corporate, Hotels & Resorts and Sustainability at TUI - Data, Diversity, and Destinations

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Sharon Prior - CIO in transition - How Great Tech Leadership Begins with Business Thinking

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José Antonio López, Group CIO at TOUS - Jewels, Data & AI: Inside the Digital Transformation of TOUS

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Tom Tanghe - General Manager ITC EMEA at Daikin Europe - Reinventing the CIO Role

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CIOFEST 2025 - From Order Taker to Proactive Disruptor

CIONET Reports

 
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Cybersecurity in critical infrastructure

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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HDS - From Hype to Reality Navigating the Challenges of GenAI

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Integration In An Era Of AI: Challenges And Opportunities

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Anna Kopp

Head of IT Germany and Regional Office Lead Munich, Microsoft

“The CIONET App allows us to learn from eachother and and find the courage to be authentic by hearing stories from others! Thanks to Tobias and the whole team for bringing us together:-) ”
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IT Director, IT Thinker

“The main things that I would like to get from our community of Digital Leaders are: networking, share experiences, share best practices and successful cases, and comments and recommendations about providers.”
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Vice president IT & Compliance, VisionaryRCM (A Carlyle Grp Company)

“The CIONET app provides a really cool platform to network and share insights.”

About CIONET

CIONET’s mission is to help IT executives become more at ease and above all more successful in their jobs. So they can do more than just keep up with change but ultimately define it. CIONET opens up a whole new universe of opportunities in IT management.

With the largest membership of corporate digital leaders across Europe, Latin America, US and Australia, CIONET has the expertise and pioneering vision to solve or address any IT management challenge.

Why join CIONET?

From our local and global events, from our publications and research to our executive education programmes, everything we do is aimed at making sure digital leaders maximise their potential.

Connect

with digital leaders who share your interests, who face the same challenges, who care about the same topics.

Share

stories, experiences, and ideas around our shared mission.

Learn

from our exclusive events, publications and research.

Find

inspiration, thought-provoking conversations, expert perspectives and exclusive first-hand content each and every day

Grow

and make better, more well-informed decisions on how to lead your digital business.

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your potential. Realise your ambitions.

About CIONET

Join CIONET

We'd love to welcome you as the newest member of our CIONET community where Digital Leaders unite. 

You can either send us a registered handwritten letter explaining why you'd like to become a member or you can simply talk to us right here!

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