All work

Oakmere Bank

Financial services

2025

Turning a regional bank into a digital-first lender

Oakmere Bank case study

4.2×

online loan applications

A focused market entry into small-business lending, piloted in two cities before a national rollout.

The situation

Small businesses were moving to online lenders, and the bank’s branch-led process took three weeks to say yes.

Leadership had tried incremental fixes for two years. Each one helped a little and none of them changed the trajectory.

What we did

We spent the first three weeks in the business, not in a meeting room. That gave us the data and the trust to propose bigger changes than anyone expected.

The result

4.2× online loan applications, measured against the same period the year before.

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