Julian Juillerat
Work  /  Oney
Research · Banking

Two markets, one study.

Client lead · benchmark

In mid-2025, Oney Bank — French, eight million customers, part of Auchan Holding and Groupe BPCE — put a study out to competitive tender: benchmark the customer areas of its competitors in Spain and Portugal, web and app. North won it. I took the client-lead role and ran the delivery — a two-person research team, seven players per market, and a delivery date at the end of August. The studies landed on time in both markets — and Oney came back, commissioning further benchmark work off the back of them.

Role
Client lead
Client
Oney Bank
Year
2025
Status
Delivered
Leading it

Owning the outcome, both markets at once.

I carried it end to end: the client relationship with Oney's product owners in both countries, the structure of the work covering Spain and Portugal at once, the supervision of the interviews, and the bar for what went into the decks. A two-person research team did the fieldwork; the outcome was mine to answer for.

The brief

Know the competition, feature by feature.

Oney's regional entities in Spain and Portugal wanted to know exactly where they stood: what features their competitors offer in their customer areas, how the experience compares, and which features Oney should deploy or strengthen — with actionable recommendations, not observations. The scope was strict: the real products, web and app, in both countries.

The players · Spain
CaixaBank BBVA Santander Revolut Cofidis Cetelem
The players · Portugal
Caixa Geral de Depósitos ActivoBank Universo Revolut Cofidis Cetelem
Plus Oney's own customer area in each market, analysed with the same ruler.
The method

Real accounts, real users — everything first-hand.

A benchmark is only as good as its access. This one ran on two sources, both first-hand:

01 · Recorded interviews
Sessions with real users in each market, recorded — their experience, needs and perceptions, run by the team under my supervision.
02 · Live accounts
North's own active accounts in Spain — first-hand analysis inside the actual customer areas, web and app, not marketing pages.

Every platform measured against the same criteria, across six areas: overview and architecture, access and security, core features, advanced features, legal information, and accessibility.

The delivery, sampled

Two decks, one ruler.

One deliverable per market — findings per player and area, a comparative digest, and actionable recommendations to strengthen Oney's positioning — plus full documentation: screenshots, videos, and the complete flows in Figma, mobile and desktop, in English and localized for each market. In all, the two decks ran to 194 slides.

Benchmark study — Spanish market, cover
Spanish market · 102 slides
Benchmark study — Portuguese market, cover
Portuguese market · 92 slides

Inside, three moves recur — a feature matrix across the players, the real screens side by side, and case studies dissecting the leaders:

Feature-availability matrix — seven entities compared, Spanish market, findings redacted
The matrix · 7 players, same criteria
Six banking apps side by side — balance and account views, Portuguese market, annotations redacted
The lineup · real screens, side by side
Case study — Revolut's app onboarding flow, step by step, Spanish market, analysis redacted
The case study · the leader, dissected
Click to enlarge · findings redacted. The complete decks — and the full Figma flows — are available on request.
The scale

A tender-to-delivery sprint.

From a June kick-off to final delivery at the end of August — fourteen platform analyses across both markets, each one covering web and app, measured across six areas.

Markets
2
Spain · Portugal, one window
Platform analyses
14
7 players per market · web + app
Outcome
Repeat work
Oney commissioned further benchmarks
Where it stands

Delivered complete, end of August.

Both studies were presented to Oney at the end of August 2025, complete: findings per player and area, comparative digests, actionable recommendations, and the full documentation behind them. And the clearest signal it landed: Oney came back — the study opened further benchmark engagements with the client.

Next project
Caja Ingenieros — inside a bank's renewal
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