GarantiBank International N.V. is a primary Dutch bank with offices in the Netherlands and Germany. GarantiBank is owned by the Spanish Banco Bilbao Vizcaya Argentaria S.A. (BBVA). GarantiBank offers savings products and term deposits in Euro's, Turkish Lira and US Dollar currencies. Customer base is around 30.000, mostly Dutch nationality. For the Dutch retail bank five°degrees has implemented the Matrix digital banking platform, automating client onboarding and client maintenance processes that replace manual processing, and introducing an integral client view. Matrix has been integrated with the existing core banking solution, Temenos 24, and support full STP account opening and closure.