Ready to Excel in Delivering Change? Let's Make it Happen
Retail never stands still—and neither should you. From the boom in eCommerce to the resilience of high street stores, one thing is clear: customers expect more, faster.
That’s where smart change management comes in. It’s the key to boosting efficiency, driving transformation, and creating a culture that thrives on improvement. All of this helps you stay ahead of economic challenges and deliver the experience your customers deserve.
Our change specialists combine real-world experience with expertise in:
- Technology – Keep systems sharp and responsive
- Payments – Make every transaction seamless
- Procurement – Build stronger supplier partnerships
- Risk – Stay ahead of potential pitfalls
- Operations – Streamline processes for speed and quality
- Finance – Ensure every pound works harder
Let’s turn your strategy into action. Talk to us today and start making change your competitive edge.

What We Offer Includes:
Digital Automation
Powering Retail Transformation
Digital automation touches every part of your business—from supply chain and financial transactions to compliance and product development.
By embracing digital transformation, retailers can:
- Improve operational efficiency
- Reduce costs and increase margins
- Drive revenue growth
- Deliver a better shopping experience online and in-store
At CBS, we help you implement the right technologies to stay competitive and future-ready.
Payment Acceptance & Compliance
Master Payments and Compliance in a Fast-Changing Retail Landscape
Payments are evolving faster than ever. New, rising card acceptance fees, and complex compliance requirements can make managing transactions a challenge.
Retailers need to:
- Keep pace with industry developments and consumer trends
- Reduce friction in the customer journey and boost acceptance rates
- Understand new business models and their impact on costs
- Stay compliant with PCI-DSS v4 and protect customer data
At CBS, we help you navigate this complexity with confidence—so you can focus on growth, not risk.
Procurement & Commercial
Driving Value Across Your Supply Chain
At CBS, we help retailers unlock efficiency and profitability through smarter procurement strategies. Our services include:
- Expert advice on purchasing goods and services
- Negotiating contracts with vendors for maximum value
- Optimising supply chain relationships to reduce risk and cost
The result? Lower costs, streamlined processes, and improved margins—without compromising quality.
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Change Sounds Simple… But It’s Not
On paper, change looks easy: set a goal, make a plan, get it done. In reality? It’s one of the toughest challenges a business can face. Here’s why:
- It touches everything—people, processes, tech, culture.
- Teams often push back because change feels uncertain.
- Day-to-day pressures mean big projects can lose momentum fast.
- And the truth? Many change initiatives fail without the right expertise.
That’s where we come in. Our change specialists know how to cut through complexity, keep everyone on board, and turn plans into results. We bring structure, clarity, and confidence—so you can focus on growth, not firefighting.
Ready to make change work for you? Let’s talk..

Gain valuable insights into the most effective strategies to navigate changing market circumstances, maximising productivity and minimising downtime and disruption.


Why Choose Us?
At CBS, we make change work for you. Here’s how:
- Flexibility – Every solution is tailored to your business objectives, ensuring sustainable, effective change that aligns with your strategic goals.
- Collaborative Approach – Change is about people, not just processes. We work hand-in-hand with you to build trust, foster openness, and empower teams to embrace transformation.
- Innovation – Our expertise and insight into the latest methodologies bring fresh perspectives and creative solutions, helping your organisation stay resilient and future-ready.


The Ideal Choice
Big changes aren’t easy—but with the right partner, they don’t have to be overwhelming. At CBS, we help organisations tackle transformation head-on, turning challenges into opportunities for growth.
Here’s what makes us different:
- We dig deep to find the real issues holding you back
- We work with your teams, not just for them, to keep disruption low
- We deliver results, from efficiency gains to long-term resilience
Our experts bring hands-on experience in payments, tech, risk, operations, and finance—so you can move forward with confidence and clarity.
Our Areas of Expertise
Useful information about specific areas of the change process can be found on the following pages:
Next Steps
In a volatile and rapidly changing consumer landscape, effective and well-organised change is the key to survival and growth. As an experienced change partner, CBS can help guide your retail business through internal and external transitions smoothly and effectively.
With our support developing comprehensive strategies, facilitating communication between all levels of your organisation, and ensuring that changes are implemented without disrupting your day-to-day operations, your business will be empowered to anticipate change, plan for it, and use it as a stepping stone towards greater success.
Please contact us today for more information about transforming challenges into opportunities.
At CBS Change Partners, we specialise in delivering exceptional services tailored to your specific project brief. We are eager to discuss the following with you:
Project Scope: Share objectives and requirements for a clear understanding.
Challenges & Opportunities: Address obstacles and explore potential benefits.
Desired Deliverables: Define project outcomes to align expertise and goals.
Timeline & Resources: Establish realistic schedule and allocate necessary resources.
Collaboration & Communication: Foster open dialogue for successful project delivery.
Budget Considerations: Work within financial framework for cost-effective solutions.
Our Clients
From Global Banks to Mutuals and Credit Unions.
Investment & Wealth Managers to Insurance providers.
Retailers, Fintechs and Public Sector.
For 20 years some of the UK's strongest brands have worked with CBS as their Trusted Change Partner.
Testimonials
CBS were key in helping us structure a very complex and challenging project, giving us the necessary expertise to generate momentum.
CBS has helped us focus our efforts on
shaping and realising an effective data
governance agenda.
CBS developed valuable scenario plans to
assess options for delivering our strategy
which provided a clear way forward based on
an optimised approach.
CBS consistently supplied high quality
domain SMEs who purposefully led and / or
contributed strongly to some of our key
programmes of the last 5 years - always
behaving with our best interest to the fore.
CBS brought great payments and change
domain experience to bear, with a calm
focus on delivering change smoothly using
strong change discipline fundamentals and a
constructively challenging approach to
addressing issues.”
As an Executive Sponsor I appreciated the
support provided by CBS in delivering an
initiative that was business critical where a
delay on the delivery date was not an option.
CBS played an integral part in the
development of our strategic response to
tough and challenging market conditions.
They always cut through the analytical fog
and drive out what matters.
CBS really helped us to shape and drive key
projects through to delivery.
CBS were key in helping us structure a very
complex and challenging project, giving us
the necessary expertise to generate
momentum.
CBS’s experience, professional approach and
delivery focus, provided us with an
exceptional level of support of the highest
quality.
At Fiserv Inc I had the pleasure to work with a number of the CBS team as we developed and deployed Agiliti - the SaaS banking platform which was used by banks like Tandem Bank.
The team took the lead on a number of key areas of the programme. For example: design, risk, payments, infrastructure, procurement and PMO.
The CBS colleagues displayed a number of common and critical attributes: industry knowledge, subject matter expertise, teamwork, communication and work ethic. But the attribute which best reflects the CBS individual, team and business is integrity.
It’s been great working with CBS over many years. They’ve supported our JLP Payment strategy and provided us with insight and expertise along every step of our journey.
Case Studies
Case Study
Open Banking Payment Services Directive 2 (PSD2)
Tesco Bank
CBS was engaged by Tesco Bank to bring project management knowledge and expertise for delivering a complex digital transformation within compressed timeframes, whilst at all times maintaining the highest levels of governance
Case Study
Wilmington Trust Core Banking Platform Procurement
Wilmington Trust
Selection of core banking and payments platforms for US Bank entering UK market.
Case Study
John Lewis Partnership –Customer Payments Review
John Lewis
Payments provider review for UK blue chip retailer.
Case Study
Zego Risk Framework
Zego
Review and implement risk management frameworks for B2B and B2C fast growing European digital insurance company.
Case Study
Part VII Preparation
Tesco plc and Barclays Bank UK
Review Part VII programme and preparation the remediate issues.
Case Study
Back Book Migration
Sainsbury’s Bank exit from Lloyds Banking Group (LBG)
Loan product offboarding and associated service changes.
Case Study
Fiserv, Agiliti, Software-as-a-Service Retail Banking Platform
Fiserv Inc
Support software developer in proposition development, delivery of software and implementation with clients.
Case Study
M&T Bank – March 2023
M&T Bank
Lead a review of core banking platform contract and remediate issues.
Case Study
John Lewis Financial Services Credit Card Migration
John Lewis
Providing industry insight to support in platform selection process.
Case Study
Secure Trust Bank – Loan Product Offboarding
Supporting specialist bank in offboarding loan book.
Case Study
John Lewis Partnership Payment Services Directive 2
John Lewis
Supporting a UK blue chip retailer respond to changes in e-payment regulations.
