Implementation principles

Having done hundreds of credit journeys for more than 40 years, with more than 280 customers (including multiple Nordic Tier 1 banks), we have developed a set of learnings on how to implement with managed risk. We call this the Stacc way and reflects our recommended implementation approach. It is based on four principles:

1. End-to-end
   Start with a small scope, but preferably an end-to-end process. No big bang, but a set of waves divided into appropriate end-to-end packages (including front-end/customer journey, credit process and core). This approach reap business rewards early and creates pride in early wins. Furthermore, starting with the standard that is “good enough” often helps prioritising configurations and integrations.
   
   

2. Step-wise approach
   Focus on working end-to-end solution for first delivery package (for example “Move mortgage), then add additional flows/products based on the established highway process. This approach makes the defined waves/scope easier to adapt and implement in the organisation. It also features process design and architecture that builds on the benefits of earlier phases.
   
   

3. Joint scoping before each wave
   Take stock on priorities and scope before each new wave. Implementation projects mature over time – leading to different priorities than at the beginning. 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 and adjusting on the way to ensure efficient prioritisation.
   
   

4. Common goal and measurements
   Set baseline and common 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, focus on the achievements and celebrates wins.

Roles and responsibilities

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

Stacc’s role

• Build complete solution

• Technical implementation

• Integrations with 3rd parties/DNB internal integrations

• 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, such as opportunities and potential implications

• Organisational changes arising from new ways of working

• Other competence and skill sets needed in 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 have long and solid experience within Nordic finance. The project team typically includes many senior employees with long and solid experience, such as background from Nordic finance, mortgage, corporate leding or asset finance.

We have proven project track record with no project “failures” or “conflicts”. The “Stacc DNA” is to deliver.

The Stacc Project Manager network emphasizes continuous improvement. It is an internal Stacc arena for best practice and learning with quarterly sessions among about 40 experienced professionals. Stacc’ Chief Compliance Officer and CISO are tightly involved.

Stacc is ISO 9001 and SOC 2 Type 2 (coming) certified.
Read more about our certifications on 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.

• 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 transforming financial services.

What Our Customers Say After Working with Us

The real impact of working with Stacc? Our customers 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.

• Banksk: 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 know what it’s like to work with Stacc?
Let’s talk.

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