Maximising Adobe investment and accelerating digital experimentation at TSB

TSB Bank partnered with REO to unlock the full value of its Adobe stack and establish a scalable experimentation capability across its digital channels.

By combining Adobe Analytics insight with behavioural data from Contentsquare, REO helped TSB move beyond traditional analytics reporting and embed a continuous optimisation model focused on improving customer journeys and increasing product conversion across current accounts, loans and credit cards.

By working with REO, we were able to better understand our users and optimise their customer journey, resulting in a significant uplift across all KPIs.

Our contributions

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Challenges

Transforming digital banking journeys through behavioural insight and experimentation

TSB had made a significant investment in Adobe to strengthen analytics, personalisation and experimentation across its digital estate.
However, unlocking the full value of this technology required more than implementation. TSB needed a structured experimentation programme capable of turning behavioural data into measurable improvements across key customer journeys.

TSB partnered with REO to achieve two key objectives:

  • Improve digital conversion across core product journeys.
  • Maximise the value of the Adobe investment by embedding experimentation and behavioural insight into product decision making.

The REO approach

“Turning behavioural insight into measurable digital growth”
REO Approach

REO established a continuous experimentation programme built on behavioural insight and rapid testing. The programme began with a deep analysis of user behaviour using Adobe Analytics to understand conversion paths and audience segmentation, combined with Contentsquare behavioural analysis including click heatmaps, engagement zones and session replay insight.

Key findings included:

  • Calls to action placed outside the most engaged interaction zones.
  • High engagement with product information but limited progression into application journeys.
  • Difficulty scanning and comparing financial products.
  • Missed opportunities to surface the most relevant products first.

This approach enabled the team to understand not only where users dropped off in journeys, but also how they interacted with page elements and where engagement did not translate into progression.

Deliverables

Behavioural insight using Contentsquare

Problem

While Adobe Analytics highlighted where users were dropping out of journeys, it was not always clear why those behaviours were occurring.

Change

REO used Contentsquare to analyse user interactions including click behaviour, engagement zones and scroll patterns across key product pages. This behavioural insight was combined with Adobe Analytics segmentation to identify where engagement failed to convert into application progression.

Result

Identification of high friction areas across product pages and discovery journeys, enabling the creation of a prioritised experimentation roadmap.

Why it mattered

Combining Adobe Analytics with Contentsquare allowed TSB to move beyond traditional reporting and develop deeper behavioural insight, enabling more targeted hypotheses and higher confidence experimentation.

Credit card product discovery optimisation

Problem

Adobe Analytics showed that the credit card overview page received high traffic but also had a high exit rate. Behavioural data from Contentsquare revealed that users often engaged with products further down the page rather than the first card displayed.

Change

REO reordered the credit card products on the overview page to prioritise the most engaged card types and align the layout with observed user behaviour.

Result

Improved click through to credit card product pages and increased engagement with key credit card offerings.

Why it mattered

Presenting the most relevant products first reduced scanning friction and improved product discovery for customers comparing financial products.

Current account journey optimisation

Problem

Adobe Analytics data showed that the current accounts comparison page was the most visited product page, yet relatively few users progressed into the online application journey.

Change

REO increased the prominence of the Apply Now CTA while reducing the visibility of secondary navigation actions.

Result

Improved click through to the online account application journey.

Why it mattered

Aligning the page hierarchy with observed user behaviour helped guide visitors towards the primary conversion action.

The Outcome

By combining Adobe Analytics insight, Contentsquare behavioural data and continuous experimentation, REO helped TSB transform its digital optimisation capability and maximise the value of its technology investment.

The programme identified friction across key journeys and delivered targeted improvements that increased engagement, product discovery and application progression.

More importantly, the partnership helped establish a scalable experimentation framework where analytics, behavioural insight and testing work together to drive continuous improvement.

TSB now operates with a more mature optimisation capability, enabling faster learning, stronger data driven decision making and sustained digital performance improvement.

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