A European retail bank decided to launch a mobile proposition for its current account customers. They wanted control — over subscriber data, over pricing logic, over the ability to connect mobile usage to transaction history. So they chose a full MVNO model and contracted a BSS platform vendor accordingly. The project took 34 months from commercial decision to live service. By that point, two fintech competitors had launched mobile propositions, attracted a combined 600,000 subscribers, and were bundling banking and mobile in ways the bank had originally planned as its own differentiator.
