West Brom accelerates onboarding and enhances members' experiences with 10x Banking
Trusted worldwide
The challenge: legacy systems blocking growth and digital experience
For more than 175 years, West Brom Building Society has supported its members’ financial futures. But its monolithic legacy systems were holding it back. Manual processes, regional‑bound onboarding, data silos, and slow product delivery made it difficult to meet rising expectations for real‑time, digital‑first banking. Members wanted seamless self‑service; the technology couldn’t keep up.
Why West Brom needed a modern cloud‑native core The building society couldn't open accounts in real time or scale nationally, despite strong demand with digital savings growing more than 80% annually. Without a native mobile app, and with limited automation, West Brom couldn’t expand beyond its regional footprint. A modern core was essential to enable national reach, faster onboarding, continuous delivery, and future‑proof infrastructure.
The turning point: choosing 10x Banking, AWS, and Deloitte
A rigorous RFP process and a 10‑week proof‑of‑value phase demonstrated the potential of a cloud‑native, API‑first platform. With 10x Banking providing the modern core, Deloitte delivering the digital front end and systems integration, and AWS as the resilient cloud foundation, West Brom gained the confidence to move forward with a multi‑year transformation program. Trust, integration maturity, and proven delivery patterns were central to the decision.
A cloud‑native platform built for real‑time banking
At the heart of the transformation is the 10x Banking Platform, a modular, flexible, cloud‑native core built entirely on AWS. Designed for modern product configuration and real‑time processing, it gives West Brom a future‑ready foundation capable of supporting continuous innovation, faster deployments, and secure, always‑available member experiences.
API‑first architecture for fast integration and delivery
10x’s API‑first approach allows West Brom to rapidly join up its systems, including Salesforce, internal tools, and third‑party services. Pre‑built integration patterns accelerate delivery and reduced program complexity, crucial to achieving faster time‑to‑value and avoiding lengthy bespoke builds.
Modern digital experiences, unified through Deloitte
Deloitte designs and delivers the new mobile and web channels, ensuring members receive a frictionless experience from application to activation. As systems integrator, Deloitte brings together multiple vendors and internal teams into a single, coherent ecosystem, essential for maintaining confidence, reducing operational risk, and enabling coordinated delivery.
Scalable AWS infrastructure powering resilience and performance
Behind the scenes, AWS provides the scale, reliability, and security required for modern banking. West Brom’s digital core is powered by Amazon Aurora, Amazon EKS, Amazon S3, Amazon Redshift, AWS Glue, Lambda, API Gateway, IAM, KMS, and AWS messaging services, together enabling real‑time operations, migration, analytics, and resilient availability.
Migration strategy: Greenfield build with phased rollout
West Brom adopted a low‑risk approach: build new capabilities in a greenfield environment, migrate in phases, and test iteratively. The programme began with 30,000 accounts and will scale to the full 400,000+ membership base. This model ensured stability, reduced risk, and maintained momentum, while allowing teams to learn, adapt, and refine before each wave.
The outcome: faster onboarding and higher capacity
The transformation will drive exceptional results:
99% reduction in onboarding time
West Brom can cut account‑opening time from three days to under fifteen minutes
x288 increase in daily onboarding capacity
Enabling West Brom to onboard hundreds of customers in the time it previously took to onboard one
A step‑change in customer experience and opperational efficiency
Members will enjoy real‑time onboarding, a modern digital journey, extended payment windows, and clearer visibility over their accounts. Teams will benefit from real‑time insights, integrated tools, and reduced manual processing. The society will be positioned to reach members anywhere in the UK, not just near a branch.
Real‑time insights, fraud prevention, and always‑on delivery
The new architecture eliminates dependency on batch processing. West Brom can introduce product updates and new features without taking systems offline, delivering continuous improvement, real‑time servicing, and enhanced fraud detection experiences for members and staff.
Scaling beyond regional limits to reach customers nationwide
With a digital‑first onboarding journey and a cloud‑native core, West Brom will unlock national growth for the first time. The building society will be able to serve members anywhere, anytime, with a scalable and resilient platform built for the future of UK financial services.
What made the transformation succeed: partnership, integration patterns, people
What sets this program apart is more than technology: strong leadership, collaborative teams, and proven integration frameworks are critical to delivering on time, at scale, and with confidence.
Technology is an enabler, but it’s the people behind it that make the transformation stick.
Martin Boyle, COO and Executive Director
West Brom Building Society
Key objectives at a glance
99
%
reduction in account-opening times
288
x
increase in daily onboarding capacity
400
k
+
members supported
About West Brom Building Society
West Brom is the UK’s eighth‑largest building society, serving over 400,000 members across the country with a 175‑year legacy in financial wellbeing and community support.
About the 10x Banking Platform
10x Banking provides a cloud‑native, API‑driven core banking platform used by global financial institutions to modernise legacy systems, accelerate product delivery, and scale securely.
About AWS
Amazon Web Services is the world’s most comprehensive and broadly adopted cloud. AWS has been continually expanding its services to support virtually any workload, and it now has more than 240 fully featured services.
