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Digital Banking & Fintech Integration
Turning utility payment traffic into new banking customers
National Gas Utility · 12.3M subscribers
A branch-level servicing integration with Ukraine's largest gas utility that converted payment traffic into new-to-bank customers.
- Role
- Business Analyst / Product Owner
- Domain
- Partner integration · Cross-sell
- Team
- Partner (Naftogas), product, IT, branches
- Tools
- BPMN, Jira, Confluence
Context
Ukraine's largest gas utility (12.3M subscribers) brought huge payment traffic to the branch network. The opportunity: convert that traffic into new banking customers.
My contribution
- Delivered requirements and acceptance criteria for a branch-level servicing integration with the utility.
- Mapped the integration flow (BPMN) and defined the cross-sell funnel.
Approach
- 1Discovery — payment-traffic and branch-servicing analysis.
- 2Requirements — branch servicing requirements and acceptance criteria.
- 3Delivery — integration flow (BPMN).
- 4Validation — cross-sell funnel and acquisition tracking.
Artifacts
The business-analysis evidence behind the work.
Results & metrics
10,000+
monthly clients
80%
new-to-bank
70%
cross-sell rate
Business value
Turned utility payment traffic into a steady acquisition channel — thousands of new-to-bank customers a month with a high cross-sell rate.
What I’d do next / learnings
Designing the branch servicing step as a deliberate acquisition moment is what turned foot traffic into customers.