Like many growing community banks, bcpbank is grappling with the headaches of compliance, customer service and client retention. But unlike other community banks, this upstart's nimble customization of its leased Fiserv platform has been so internally successful the bank is breaking out to sell its upgrade on the open market.
After using Fiserv's basic platform for nearly two years, bcpbank officials found themselves constantly yearning to tweak the platform for better performance. The result: The five-module Compta collection, developed over 15 months, which the bank is now marketing to other Fiserv customers.
Unconventional? You'd better believe it. "We saw that enhancements were needed, even though [Fiserv's] an excellent transactional machine," says Luis Folhadela, svp of marketing and self-banking at bcpbank, the Newark, NJ-based unit of Lisbon's Banco Comerical Portugues. "Fiserv built the highway and we put the cars on it. ...We realized we were always asking for upgrades, so we decided to build it ourselves. We didn't want to change our core solution." The five modules were a multi-million-dollar investment for the bank, which is negotiating with Fiserv to jointly market and sell the Compta modules. No deal has been inked, and Fiserv officials didn't return calls seeking comment. …
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