From Cost Blocks to Value
H&Z enables financial institutions to identify structural cost drivers and unlock budgets for innovation through data-driven procurement and IT optimization.
Manage costs before the pressure hits – Procurement & IT as enablers of transformation
Banks continue to invest in regulatory compliance and innovation – yet the cost base keeps rising. As a result, transformation budgets are blocked. Too often, efficiency programs are launched only in times of crisis – reactive, rushed, and rarely sustainable.
At H&Z, we believe value-driven cost management must start during growth phases – not in downturns
We focus on indirect spend and internal IT costs to uncover structural inefficiencies, build transparency, and unlock significant savings – all while preserving operational resilience.
H&Z supports banks in realizing targeted purchasing and IT cost optimization with the H&Z Value Framework. Structured. Data-driven. Execution-focused.
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