Nationwide has hit a key milestone in a £1 billion technology transformation programme, with the full integration of Cheshire, Derbyshire and Dunfermline building societies.
Nationwide, the world's largest building society, acquired the companies in 2009 as the financial crisis deepened.
Nationwide, which uses SAP software as the basis for many of its key systems, said the changes had enabled it to launch new credit and debit cards, new types of current account, personalised pricing across loans, and a new investment and general insurance offering.
The changes are part of the Voyager programme, which it began in 2008. The programme is being brought about by IBM and IPL.
In the next phases of the programme, Nationwide will replace its payment systems, put in a new core banking platform, introduce mobile banking, and roll out new mortgage platforms across retail branches and customer contact centres.
Tony Prestedge, chief operating officer at Nationwide, said: "With service an inherent and fundamental part of our DNA, these developments are set to transform our entire operation. We are on course to achieve a fundamental transformation of our services, products and technologies for the benefit of our members and our future."
Nationwide has also changed some of its IT and business change leadership. While Daryl Wilkinson will continue to lead operational strategy and architecture, Martin Boyle, the head of the internet bank transformation, will be divisional director of business transformation.A new enterprise development division, responsible for application development and support across both new and legacy platforms, will create application development centres, support and strategic sourcing. The division will be run by Simon Hamilton, formerly IT director at LV=.
Debra Bailey, formerly in the global banking leadership team at BT, will lead Nationwide services - accountable for technology infrastructure and operations.