Retail & Others

Retail & Others

The Future of Finance 
From legacy constraints to digital leadership, we turn regulatory complexity into competitive advantage. 

Specialized Expertise Across Financial Services At Link, we help financial institutions navigate disruption and thrive in a rapidly evolving landscape. With over two decades of experience and a global footprint, we deliver cutting-edge digital solutions, AI-driven insights, and regulatory resilience tailored to the financial sector.
Banking

Banking

Trusted by leading commercial banks including Millennium BCP, BPI, CGD, Novobanco, and Santander, as well as regulatory bodies such as Banco de Portugal. We deliver core banking modernisation, digital channel transformation, and compliance-ready architectures that support evolving regulatory demands.

Fintechs

Fintechs

Supporting agile players in building scalable, customer-centric platforms that meet rising expectations for seamless, hyper-personalised digital experiences. From API-first architectures to rapid product iteration, we help fintechs compete and grow.

Governance, Risk, and Compliance (GRC)

Governance, Risk, and Compliance (GRC)

Implementing and integrating GRC platforms such as SAI360, with specialised expertise in DORA, BCBS 239, and ESG compliance frameworks. We help institutions turn regulatory complexity into operational resilience.

Insurance

Insurance

A strategic partner to leading insurers across Iberia, Africa, and the Middle East for over 20 years. We address the sector's core pressures - legacy modernisation, hyper-personalised customer experiences, and regulatory complexity - through application transformation, AI-driven analytics, and RegTech solutions including SAI360, DORA, and ESG compliance.

Cryptoasset Ecosystems

Cryptoasset Ecosystems

Enabling the integration of fiat and crypto ecosystems within digital banking environments. We support secure custody solutions, compliant onboarding, and seamless customer experiences across traditional and digital asset classes.

See how Millennium BCP turned regulatory data into AI advantage. Real frameworks, real results.

See how Millennium BCP turned regulatory data into AI advantage. Real frameworks, real results.

Understanding the Challenges in Financial Services

Sector Challenges

Financial institutions today face a perfect storm of disruption, driven by technology, regulation, and customer expectations. Link Consulting understands these challenges deeply:

Rising Customer Expectations
Customers demand seamless, hyper-personalized, and instant digital experiences, often set by fintechs and big tech.

Legacy IT Constraints
Outdated systems hinder agility, increase costs, and limit innovation. Strategic modernization is essential for resilience.

Complex Regulatory Landscape
Institutions must comply with evolving regulations like DORA, BCBS 239, and ESG standards, while maintaining operational efficiency.

Data and AI Opportunity
Unlocking the value of data through AI, machine learning, and advanced analytics is key to gaining a competitive edge.

Cybersecurity and Risk Management
As digital channels expand, so do threats. Robust governance, risk, and compliance (GRC) frameworks are critical

Core Offerings

How We Transform Financial Institutions

The institutions that govern data well, integrate it intelligently, and activate it through AI will outperform those that don’t.  We bring a 360-degree approach to digital transformation, designed to address the sector’s most pressing challenges. 
Data and AI Excellence

Data and AI Excellence

We help financial institutions to unlock operational intelligence, customer insight, and innovation at scale.

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Application Modernization

Application Modernization

Retire legacy risk, embrace agility

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Digital Banking and Experience

Digital Banking and Experience

Deliver seamless, hyper-personalized experiences

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Governance, Risk and Compliance (RegTech)

Governance, Risk and Compliance (RegTech)

Navigate regulation with confidence

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Why Work with Link

Your Strategic Partner for Financial Transformation

We blend technical precision with innovative thinking to create solutions that don’t just meet today’s requirements but anticipate tomorrow’s challenges.   
Deep Industry Expertise

Trusted by leading banks and insurers across Iberia, Africa, and the Middle East.

Proven Track Record

Over two decades of experience delivering cutting-edge digital solutions, AI-driven insights, and regulatory resilience tailored to the financial sector.

Global Delivery, Local Insight

Operating in 30+ countries with a team of seasoned consultants who understand local markets and regulatory environments.

Trusted by leading banks and insurers across Iberia, Africa, and the Middle East.

Making technology work for the business: Why Enterprise Architecture matters more than ever

Trusted by leading banks and insurers across Iberia, Africa, and the Middle East.

Making technology work for the business: Why Enterprise Architecture matters more than ever

Trusted by leading banks and insurers across Iberia, Africa, and the Middle East.

Making technology work for the business: Why Enterprise Architecture matters more than ever

Partners

Awards and Recognition

Over 20 years, 30+ countries, and every wave of transformation, one constant remains: institutions that partner with us don’t just survive change, they lead it.
Prémio da Banca
Prémio da Banca
Muito bom prémio
2025

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Frequently Asked Questions

Sector-Specific FAQs

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What regulatory frameworks do you support?

We specialize in DORA, BCBS 239, ESG reporting, and other evolving compliance standards. Our GRC solutions automate reporting and embed governance into operations.

How do you approach legacy modernization?

We use a phased, risk-managed approach that combines AI-assisted refactoring, cloud migration, and strategic architecture design. Solutions are tailored to minimize disruption and maximize ROI.

Can you support hybrid and multi-cloud environments?

Yes. We design data and application architectures for on-prem, cloud, and hybrid environments, with deep expertise in Azure, Databricks, Fabric, and open data platforms.

Updates on
Financial Services

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