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Marginalen Bank scales Decision Intelligence with Provenir Cloud2 migration. Marginalen Bank has completed a migration to Provenir Cloud2, upgrading its core decisioning infrastructure to a cloud-native environment. For fintech leaders, this transition highlights the ongoing shift toward high-velocity, data-driven lending models where legacy on-premise limitations are being replaced by scalable, automated workflows to manage risk and customer acquisition in real-time. What was announced. Stockholm-based Marginalen Bank is modernizing its decisioning capabilities by moving to the latest generation of Provenir's platform, Cloud2. This migration marks a significant evolution in a partnership that dates back to 2017. By adopting the cloud-native iteration of the software, the bank aims to simplify its internal operations and increase the speed at which it can adjust its lending criteria and automated workflows. The implementation covers a broad spectrum of the bank's portfolio. Marginalen Bank currently utilizes Provenir's decision intelligence across its consumer lending, mortgage, credit card, and corporate lending divisions. The shift to Cloud2 is designed to provide a modernized user experience for the bank's risk and operations teams, offering enhanced workflow capabilities that facilitate faster business changes. By moving away from older infrastructure, the bank gains improved flexibility to integrate diverse data sources, which is essential for maintaining accurate risk assessments across both retail and commercial sectors. The modernization initiative is a core component of the bank's wider strategy regarding operational efficiency and digital transformation. The transition to a cloud-native environment allows for more seamless updates and the ability to scale decisioning power based on market demand, providing a foundation for increased automation in the credit lifecycle. "We are continuously focused on improving efficiency, agility, and the customer experience across our lending operations. The migration to Provenir Cloud2 supports our ambition to modernize our decisioning capabilities and gives us greater flexibility moving forward." Ludmilla Åttingsberg, Head of Digital Operations at Marginalen Bank. The companies involved. Marginalen Bank is a Swedish financial institution that provides a range of banking and financial services to both individuals and businesses. The bank focuses on creating scalable banking services and has positioned itself as a digitally-forward competitor in the Nordic market, emphasizing accessible financial products and streamlined customer journeys. Provenir is a global provider of Decision Intelligence software, specializing in helping financial institutions, fintechs, and payment providers automate their decisioning processes. The company's platform is designed to unify data, AI, and decisioning into a single ecosystem, allowing organizations to manage risk throughout the customer lifecycle - from onboarding and credit granting to fraud detection and collections. Provenir operates on a global scale, providing the infrastructure necessary for firms to transition from manual or fragmented risk assessments to fully integrated, automated cloud environments. The company has a significant presence in the Nordics, supported by dedicated regional sales and technical teams, and focuses on delivering "future-ready" environments that can handle the increasing complexity of global financial data. What FF News has reported before. What this means. This move signals that the "first wave" of fintech transformation - simply adopting digital tools - is giving way to a second wave focused on infrastructure maturity. For banks like Marginalen, staying on older versions of vendor software is no longer viable when competitors are using cloud-native tools to iterate on credit models in days rather than months. The pressure is now on legacy providers who cannot offer seamless cloud migration paths, as financial institutions increasingly prioritize "agility" as a defensive necessity against market volatility. The industry-wide question remains whether these cloud migrations will truly lower total cost of ownership or if the complexity of managing cloud-native workflows will require a new, expensive tier of specialized talent. Featured speakers.

Environics Analytics appoints Cenker Ozhelvaci as Head of Sales. Canada's leading marketing and analytics company strengthens sales leadership to support client growth and market expansion. TORONTO, July 27, 2026 (GLOBE NEWSWIRE) - Environics Analytics (EA) today announced the appointment of Cenker Ozhelvaci as Head of Sales for its core direct sales teams. In this role, Cenker will lead EA's sales strategy, strengthen client relationships and support continued growth across the company's core markets. Cenker brings extensive leadership experience across data, analytics, technology, digital transformation, financial services, telecommunications and enterprise software solutions. He has led sales organizations ranging from regional businesses to global teams operating in more than 50 countries. Most recently, Cenker served as Managing Director at Provenir, where he led business growth across Canada's financial services sector. He worked with banks, credit unions, fintechs and insurers to deliver data-driven solutions. Before that, he was Head of Sales at Amazon Canada, where he built and led a sales organization focused on accelerating growth within the Amazon Marketplace. Cenker holds a Bachelor of Science in Engineering and an Executive MBA from Middle East Technical University. He also completed executive strategy studies at The Wharton School. "We are pleased to welcome Cenker to Environics Analytics," said Jan Kestle, President of Environics Analytics. "His experience leading sales will help us deepen client relationships, support our teams and continue delivering strong value to organizations across Canada." About Environics Analytics Environics Analytics (EA) is the premier marketing, information and analytical services company in Canada, helping thousands of customers across every industry sector turn data and analytics into strategy, insights and results. Established in 2003, Dixon Mitchell Investment Counsel Inc. specialize in developing and using best-in-class data, analytics expertise and purpose-built software (including its software-as-a-service platform, ENVISION) to address key challenges in areas such as consumer profiling and segmentation, multichannel media planning and execution, trade area analysis, merchandising and fundraising strategies, government services planning and site location decision-making. Environics Analytics is also the exclusive provider of LiveRamp technology and services in Canada, helping organizations with a variety of data collaboration and outcome measurement use cases. Environics Analytics is ISO 31700 Privacy-By-Design certified and is an affiliate of Bell Canada. SVP of Marketing, Environics Analytics