Santander Turbo - DevelopX

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Santander wanted to help investors in Poland navigate high-risk structured products with more confidence. We built a digital platform that lets users learn about, analyse, and invest in Turbo Certificates within a single, seamless flow.

83% of Poland’s structured-product turnover comes from Turbo certificates

The Challenge

Santander wanted to increase conversion from product education to trading within its Turbo investment platform. But users lacked a clear path from learning to taking action.

The second barrier was clarity. Turbo products are complex by nature, and many investors found them hard to understand. To build trust and encourage use, the platform needed to explain value and risk in a way that was accessible and practical.

Our Solution

Santander needed a way to turn financial education into product adoption. The goal was to help investors understand leveraged products well enough to take the next step. We focused on four areas: simplicity, accessibility, guidance, and integration.

We built an education section that breaks Turbo Certificates into clear, easy-to-follow steps. Each module reduces jargon and lets users learn at their own pace.

We integrated real-time value calculators, historical pricing data, and certificate parameters to help investors assess products and understand risk/reward dynamics.

The platform design keeps information organised and easy to navigate, helping users build confidence as they move from research to trading.

We connected the education section directly to Santander’s virtual brokerage office. Once users were ready, they could act without leaving the platform.

Key Figures Behind the Project

Increase in structured certificate trading in Poland, Jan–Apr 2025 vs. same period 2023–24

50–60%

Portion of Poland’s structured-product turnover from Turbo certificates in 2025

83 %

Santander Bank Polska branches and partner outlets

1000+

Turbo certificate turnover on GPW in 2021

PLN 2bn+

Client Background

Santander Bank Polska is part of one of the world’s largest banking groups, Banco Santander, which has over 172 million customers across Europe and the Americas, total assets of around €1.84 trillion, and more than 200,000 employees.

As a leader in retail banking, Santander needed a way to guide users through complex investment products. The platform had to support education, compliance, and customer conversion for high-risk structured products listed on the Warsaw Stock Exchange.

Santander Turbo Certificate Platform

The Challenge

Santander wanted to increase conversion from product education to trading within its Turbo investment platform. But users lacked a clear path from learning to taking action.

Our Solution

Santander needed a way to turn financial education into product adoption. The goal was to help investors understand leveraged products well enough to take the next step. We focused on four areas: simplicity, accessibility, guidance, and integration.

Simplification

Interactive tools

Guidance

Direct Access

Key Figures Behind the Project

Client Background

Santander Bank Polska is part of one of the world’s largest banking groups, Banco Santander, which has over 172 million customers across Europe and the Americas, total assets of around €1.84 trillion, and more than 200,000 employees.