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Belgium 29-4-26 Invitation Only Physical english

Building Future-Ready Application Ecosystems in the Age of Intelligent Automation

This CIONET workshop is a collaborative deep-dive into the practicalities of"rewiring the building" while it’s still occupied. Drawing onKyndryl’s deep heritage in mission-critical infrastructure and their latestresearch, we will dismantle the "hidden costs" of legacyenvironments. The conversation will focus on the transition from static,monolithic structures to composable architectures that allow intelligent agentsto operate seamlessly across hybrid landscapes.

Belgium 5-5-26 All Members Physical english

Women of CIONET - The Female Edge in Digital Transformation

Why many transformations fail is not about technology, but about people and culture. Female leaders often excel in stakeholder alignment, empathy, and habit change; qualities that can make the difference between rollout and real adoption.So, where do those who drive digital transformation, often women, belong? Why are they labeled as “change leaders” and not CIOs?

Belgium 7-5-26 All Members Physical english

Resilience by Design - The Design Choices Behind Infrastructure That Cannot Fail

The most consequential security decisions are not made in the SOC. They are made at the drawing board, when architects choose who will manage their network fabric, where sovereignty will reside, and what dependencies they are prepared to accept. This roundtable brings together technology leaders who recognise that network and infrastructure design is no longer a technical decision but a strategic one. Rather than reviewing the threat landscape, we focus on the foundational choices that determine resilience long before the first incident occurs. Participants will explore how geopolitical fragmentation is turning technology and partner selection into a strategic act, what it means to engineer resilience into infrastructure rather than layer it on afterwards, and whether AI is changing the architectural calculus or simply raising the stakes.

May 12, 2026 Squad Session Invitation Only Physical english

Product-Centric IT 2.0: Blending product and project thinking

Everyone says they’ve gone product-centric. In reality, most organisations live in a hybrid world where projects, products, and platforms overlap. Teams manage releases while still chasing deadlines, and governance still thinks in milestones rather than outcomes. The shift is underway, but the mindset hasn’t caught up.

May 19, 2026 Squad Session Invitation Only Physical english

AI vs AI in Cybersecurity: When defenders and attackers both use AI

The game has changed, clearly. Attackers have AI, defenders have AI, and both sides are learning faster than anyone expected, or maybe the attackers are just a bit faster. What used to take hours now happens in seconds, and detection windows close before alerts even appear. It’s adaptation beyond automation, and no one gets to sit still.

May 22, 2026 Squad Session Invitation Only Physical english

Managing Vendor Lock-In: Balancing dependence, cost, and control in strategic partnerships

Every vendor swears their platform is open, flexible, and built for freedom. Then comes the renewal date. The price goes up, migration looks painful, and “strategic partnership” starts to feel more like dependency. Most organisations don’t get trapped overnight, they walk into it one contract at a time. Broadcom, anyone?

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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

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

Why Santander Consumer chose OutSystems:

Speed-up development and improve agility
No lock-in, open standards-based platform
Powerful 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.

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.

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

CIONET Business Circles

Cyber Circle

CIONET’s Cyber Circle: a new three-event programme exclusively focusing on the most urgent, complex, and high-impact challenges in cybersecurity today. Launched in 2026, this initiative brings together CISOs, CIOs, and senior IT executives with a strong interest in cybersecurity for three curated gatherings each year. As part of CIONET’s trusted executive community, the Cyber Circle provides a confidential, peer-driven environment to exchange insights, share real-world experiences, and address evolving cyber threats. Each session is designed to foster strategic dialogue, strengthen resilience, and elevate cybersecurity as a core driver of business value.

Telenet Business Leadership Circle

The Telenet Business Leadership Circle powered by CIONET, offers a platform where IT executives and thought leaders can meet to inspire each other and share best practices. We want to be a facilitator who helps you optimise the performance of your IT function and your business by embracing the endless opportunities that digital change brings.

Les Rencontres

Découvrez la dynamique du leadership numérique aux Rencontres de CIONET, le programme francophone exclusif de CIONET pour les leaders numériques en Belgique, rendu possible grâce au soutien et à l'engagement de nos partenaires de programme : Deloitte, Denodo et Red Hat. Rejoignez trois événements inspirants par an à Liège, Namur et en Brabant Wallon, où des CIOs et des experts numériques francophones de premier plan partagent leurs perspectives et expériences sur des thèmes d'affaires et de IT actuels. Laissez-vous inspirer et apprenez des meilleurs du secteur lors de sessions captivantes conçues spécialement pour soutenir et enrichir votre rôle en tant que CIO pair. Ne manquez pas cette opportunité de faire partie d'un réseau exceptionnel d'innovateurs numériques !

Female Leadership Circle

CIONET is committed to highlighting and celebrating female role models in IT, Tech & Digital, creating a leadership programme that empowers and elevates women within the tech industry. This initiative is dedicated to showcasing the achievements and successes of leading women, fostering an environment where female role models are recognised, and their contributions can ignite progress and inspire the next generation of women in IT. Our mission is to shine the spotlight a little brighter on female role models in IT, Tech & Digital, and to empower each other through this inner network community.