Implementation principles

Having designed, implemented and completed hundreds of credit journeys over more than 40 years, with more than 280 financial institutions of all asset sizes, we have developed a set of learnings and best practices on how to implement and deliver successful projects and measurable ROI for financial institutions alongside managed risk. We call this the Stacc way and reflects our recommended implementation approach. It is based on four key principles:

1. End-to-end
   Start with a clearly defined scope, preferably one or a few end-to-end credit processes (for example move mortgage). No big bang that can disrupt or overwhelm, but a set of waves divided into appropriate end-to-end packages (including front-end/customer journey, credit process and core). This approach delivers more immediate business rewards early, pride in early wins and trust for the steps ahead. Furthermore, leaning into composing the unique credit process for various markets and segments using standard modules often helps with future ability to absorb innovation and limit maintenance drag on the business.
   
   

2. Step-by-step approach
   The focus is on working towards an end-to-end solution for the first delivery phase (for example move mortgage). Then adding additional flows/products based on the established process. This approach makes the defined scope waves easier to adapt and implement within the organisation. It also features process design and an architectural framework that builds on the benefits of earlier phases.
   
   

3. Joint scoping before each wave
   Pause and take stock on priorities and scope before each new wave. Implementation projects mature over time – leading to different priorities than at the beginning and change management. A joint scoping phase at the start of each wave ensures a common understanding of what is to be done, and make development, delivery and testing more effective. This approach fosters continuous learning, stakeholder collaboration and adjustments made along the way to ensure efficient prioritisation.
   
   

4. Common goal and measurements
   Set baseline as well as consistent and measurable goals for the implementation project, tracking both business value and leading indicators across commercials, operations, risk and compliance. This approach ensures common understanding of the target, sets a focus on the desired achievements, facilitates solid progress and as importantly celebrates wins.

Roles and responsibilities

We typically pursue a holistic transformation approach that involves both technology and people, with a distinct split of roles and responsibilities across Stacc’s customer team and our customer.

Stacc’s role

• Build complete solution

• Technical implementation

• Integrations with 3rd parties

• Migration & conversions

• Compliance – system/technical perspective

Common focus areas

• Best possible business processes

• Tailor user and case handler journeys

• Tune level of automation

Customer’s typical role

• Keep organisation informed through transparent communication, including information on opportunities and potential implications

• Organisational changes arising from new ways of working, and change management is an essential part of this journey

• Other competence and skill sets needed for the new setup

• Compliance – organisation perspective

• Enable the organisation to make the most of the new possibilities

• New sales approach / channels

• Handle growth

Program and project management in Stacc

We are a proven partner with long and solid experience within financial technology. The project team typically includes multiple senior employees with banking, software and project experience and backgrounds in mortgage, asset finance, consumer lending or commercial lending.

We have a proven project track record with zero project “failures” or “conflicts”. The “Stacc DNA” is to deliver value and make our customers successful.

The Stacc Project Manager network emphasises continuous improvement. It is an internal Stacc arena for best practice and learning with regular sessions among about the 40+ experienced professionals, with the Stacc Chief Compliance Officer and CISO tightly involved.

Stacc's software delivery and project management is ISO 9001 certified. Read more about our certifications and customer trust at trust.stacc.com.

A long-term partner, not just a vendor

At Stacc, we don’t just deliver and walk away. We think long-term partnership.

• We take pride in what we build.

• We’re only satisfied when you’re thrilled with the results.

• We work to make sure our solutions don’t just meet expectations but exceed them.

This isn’t a one-off project for us—it’s a partnership built on trust, expertise and a shared goal of moving finance forward.

What our customers say after working with us

The real impact of working with Stacc? Our customers see and feel it in the way we operate:

• Speed, precision and knowledge—we bring strategic thinking, execution power and deep industry expertise.

• Like a McKinsey for fintech, but with hands-on execution and experience.

• Banks: We understand how financial services operate—inside and out.

• Human: We see our customers, we care about them and we are invested in their success.

We don’t just deliver software. We help you succeed—because we deeply want to make a difference.

Want to learn more about Stacc, its solutions and values?
Let’s talk.

I have never experienced this kind of speed before.
Stacc Tier 1 banking customer