Retail and Commercial Banking

Traditional industry boundaries are blurring as banks become virtually invisible. Across the retail and business segments, banks need to enrich their customer value and create agile business models. We can accompany you in becoming a truly global bank.

We are helping banks deliver sustainable, personalized customer experiences, adopt platform-based models, unlock the value of open ecosystems, and harvest data-driven insights.

For your commercial customers, you’ll create quicker, cost-effective and value-added solutions. For your retail customers, you’ll drive hyper-personalized, humanized banking experiences. And for your bank? You’ll maximize your potential, and achieve a greater return on investment.

    World Retail Banking Report 2024

    Intelligent banks do more with less: Take an efficiency leap with frictionless, personalized banking

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    Temenos delivery partner of the year

    Recognition for our investment in technology and complex projects delivery with enhanced client impact.

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    Retail banking top trends 2024

    New-age players, emerging technologies, and expanding regulatory compliance are transforming the retail banking landscape.

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      What we do

      Customer-First for banking

      Banking customers have spoken. They expect accessible, personalized services tailored to their individual needs and lifestyles. Ready to unlock the power of customer-centricity?

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      Create a sustainable, next generation contact center experience.

      Heightened customer expectations and a renewed focus on cost efficiency is pushing organizations to look differently at roles and operations of contact centers.

      We use leading edge technologies built with cloud, omnichannel, self-service, and advanced AI/cognitive capabilities to help you drive impactful customer and agent experiences.

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      Fintechs, neobanks, and challenger banks are making it difficult for traditional banks to keep up with rising customer expectations for hyper-personalized and seamless services.

      Our banking solutions provide the tightly integrated, omnichannel experiences that customers expect, and the actionable business information that banks need.

      We offer modern design and implementation solutions that optimize the customer experience, reduce operating costs and enhance service quality, while managing risk and regulatory compliance more effectively.

      As a result, banks can reduce total cost of ownership, boost operational efficiency and flexibility, and put in place an IT platform that will be sustainable into the future.

      Core Banking
      Digitalize your complete trade finance value chain – including traditional trade (loans, letters of credit, collections and guarantees) and structured trade (receivable and payable financing).

      With our trade-as-a-service, powered by Finastra and delivered on Microsoft Azure, you can innovate at speed, lower the total cost of ownership, and minimize risk.

      Capgemini’s end-to-end working capital finance services can help you:
      • Engage your corporate customers with personalized experiences
      • Eliminate, automate, and optimize business processes
      • Seamlessly transition from manual processes to intelligent zero-touch processing
      • Harness data-driven insights with machine learning and artificial intelligence
      • Reduce TCO by utilizing managed services.

      Visit Finastra
      Discover our solutions

        Customer first, banking and capital markets

        Banking customers have spoken. They expect accessible, personalized services tailored to their individual needs and lifestyles. Ready to unlock the power of customer-centricity?

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        Contact center transformation

        Learn how a people-focused approach combined with cloud, omnichannel, self-service, and advanced AI/cognitive capabilities delivers value.

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        Marketing transformation for financial services

        Yesterday’s marketing strategies have stopped working. How can you empower your marketing teams to deliver contextual and personalized experiences that your customers expect ?

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        Core banking

        Transform the core for your digital future with our core banking modernization solutions.

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          Research and insights

          Point of view

          Ramping up customer experience (CX) – from interaction to engagement
          Financial Services reports

          How banks can use generative AI to enhance marketing disclosures
          Point of view

          Shaping the AI-enabled customer experience
          Financial Services reports

          Modernizing offer management systems to win the battle for growth
          Capgemini Research Institute

          A world in balance: Why sustainability ambition is not translating into action
          Capgemini Research Institute

          Generative AI and the evolving role of marketing: A CMO's playbook

          Client stories

          Streamlining customer and user experiences for a leading financial institution

          Developing a new service experience review methodology that helped unlock opportunities to reduce costs and improve customer service.

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            Société Générale’s unprecedented IT merger creates SG, a new French retail bank

            “The strength of Capgemini’s tools reassured us and enabled us to bring our project to fruition.” Bruno Delas, CIO Société Générale Group

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              BNP Paribas: Inventing tomorrow's bank through innovation

              Powering up a dedicated in-house innovation and acceleration center.

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                Unleashing the potential of omnichannel service: a real-world case

                Discover how a leading Financial Services firm revolutionized their customer experience with next-gen technology.

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                  Expert perspectives

                  Customer experience

                  Enhancing contact center performance through effective workforce management

                  Vinay Patel
                  Dec 4, 2023
                  Business operations, Innovation, Technology

                  Embedded finance: unlocking the $500Bn opportunity

                  Gareth Wilson
                  Nov 7, 2023
                  Customer experience, Data and AI

                  Empowering agents: How generative AI supports contact center agents in banking

                  Vinay Patel
                  Oct 18, 2023

                  Meet our experts

                  Nilesh Vaidya

                  Global Head of Banking and Capital Markets practice

                  Carlos Salta

                  EVP, Head of Banking and Capital Markets Practice

                  Gaurav Sophat

                  Expert in Banking, Financial Services, Insurance

                  Gareth Wilson

                  Executive Vice President – Head of UK Banking and Capital Markets

                  Chandramouli Venkatesan

                  Vice President – Portfolio Development Lead – Digital Front Office Transformations | Banking and Capital Markets
                  Chandra leads the Front Office transformation portfolio (marketing, sales and customer service) and serves banking and capital markets clients. He focuses his work on customer experience and helping financial institutions transform marketing, sales and customer service into more customer-centric organizations with an emphasis on experience strategy design, technology and data. Chandra has deep experience driving CX transformation for retail banks, payments companies, wealth management and capital markets firms.

                    Partners

                    Adobe

                    AWS

                    Google Cloud

                    Microsoft

                    Salesforce

                    Temenos

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