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UBA Bank

Data, Data Everywhere — But No Insight in Sight

UBA Bank had access to millions of customers across Africa’s fastest-growing economies.

The problem?

They knew everything and yet, nothing.

 

Customer data was fragmented, underutilized, and dangerously disconnected from the sales strategy.

Products were being built without behavioral insight.

Marketing campaigns were based on assumptions, not evidence.

Sales teams? Flying blind.

 

The controversial truth:

UBA wasn’t short on data.

It was short on data that drives demand.

  • Project Title

    From Data Drought to Demand Surge

  • Client

    UBA Bank

  • Year

    ~ 2023

The TSC Approach:

We stepped in to ask a tough but necessary question: “What’s the point of data if it doesn’t sell?”

TSC’s mission was clear:

  • Rewire the customer journey
  • Activate intelligent demand
  • And prove that data isn’t a department — it’s a growth engine
Step 1: Diagnose the Disconnect

We started with a data audit across all touchpoints:

  • Branch visits
  • Mobile app activity
  • Transaction history
  • Loan applications
  • Abandoned inquiries

What we uncovered:

  • Inconsistent tagging and tracking
  • Zero personalization in mobile and SMS campaigns
  • A “one-size-fits-none” customer journey

Emerging market insight:

In high-growth regions, customers are not just looking for products.

They want clarity, speed, and relevance.

UBA wasn’t delivering any of the three — yet.

Here’s where the real shift began:

  • Segmentation was reborn. We moved from basic age/income groups to behavioral personas — e.g.,
  • The Silent Saver
  • The Digital Drifter
  • The Hustle-Heavy Entrepreneur
  • Predictive demand modeling: We introduced machine learning tools that could spot when a customer was likely to need a loan, card upgrade, or SME support — before they asked.
  • Customer journey revamp:
  • Abandoned onboarding? Triggered a call.
  • Sudden spike in transfers? Suggested a budgeting tool.
  • Salary alert? Instant offer on savings plans.
  • Branch teams empowered with live insights: Tellers now knew who was walking in — not just their name, but their likely intent. That’s real-time relevance.

In emerging markets, personalization is rare.

Many banks assume “mass messaging” is the only scalable option.

 

TSC proved otherwise.

With micro-targeted campaigns and data-fueled timing, we helped UBA show that scale and precision can coexist — even in markets with infrastructural and connectivity gaps.

The Results

  • +47% product uptake across key retail segments
  • 36% increase in SME loan approvals through predictive outreach
  • Retention improved by 51% among previously inactive app users
  • Campaign opt-outs dropped by over 60% due to personalized relevance
  • UBA’s cross-channel data sync jumped from 42% to 91% in 3 months

Conclusion

UBA didn’t have a data problem.
They had a data purpose problem.

TSC helped them shift from raw numbers to refined action — and the result wasn’t just better marketing or cleaner dashboards.
It was customer trust, faster decisions, and real growth.

Because in emerging markets, the bank that understands first — wins first.

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