L by LCL Pro: Building a Bank for Business Clients in 8 Months
In a market for business clients heavily impacted by neobanks and accounting platforms, LCL needed to accelerate its digital transformation to remain a leading player in the professional banking segment.
The group launched L by LCL Pro, a fully standalone bank with a clear ambition:
- Quickly establish a position in the mobile and online segment for self-employed professionals and small businesses
- Build a competitive digital offering against emerging players
- Reach a high client acquisition rate from 2026 onwards
This project was strategic to ensure:
- LCL's ability to continue attracting professional clients
- The achievement of its growth objectives and the generation of new revenue streams
- The establishment of a product factory capable of meeting the group's future challenges
Our approach
Lean Tech Strategy Deployment
Launch of 8 cross-functional LCL x Theodo teams to optimize collaboration between tech, product, and business.
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Quality industrialization from day one
Applying the Lean Tech "Right-first-time" principle to address defects as early as possible in the production process and secure the launch.
MVP approach followed by progressive enrichment
"Just-in-time": prioritization of critical features to meet the launch date, then incremental delivery of level-2 features.
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