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StreamlineBank Digital Transformation Analysis

Executive Dashboard & Strategic Recommendations

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Arshia Kosha
VP of Academics

BTM Technology
York University

Analysis Date
July 27, 2025

-23%

Customer Acquisition YoY

6.2

Digital Rating (vs 8.9 RBC)

36%

Young Customer Base

$50M

Recommended Investment

Branch Performance Analysis

Toronto-King Street

$3.24M

Ottawa-Rideau

$2.41M

Montreal-Plateau

$2.23M

Hamilton-Downtown

$1.98M

Quebec City-Vieux

$1.77M

Digital Adoption Rates

Montreal-Plateau

71.08%

Hamilton-Downtown

68.35%

Ottawa-Rideau

65.97%

Quebec City-Vieux

65.02%

Toronto-King Street

64.21%

Competitive Positioning

Koala

9.8

Digital Rating

8.4 Satisfaction

Tangerine

9.3

Digital Rating

7.6 Satisfaction

RBC

8.9

Digital Rating

8.2 Satisfaction

TD Bank

8.7

Digital Rating

8.0 Satisfaction

StreamlineBank

6.2

Digital Rating

8.1 Satisfaction

Strategic Investment Framework

Phase 1: Foundation

$20M

Q1-Q2 2025: Digital infrastructure and platform development

Toronto digital center development
Mobile platform upgrade
Hamilton model expansion

Phase 2: Expansion

$20M

Q3-Q4 2025: Network modernization and staff development

Branch technology upgrades
Employee training programs
Digital adoption initiatives

Phase 3: Innovation

$10M

Q1-Q2 2026: Advanced analytics and community integration

AI recommendation system
Community banking platform
Performance optimization

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