Cards and Payments

Together with rising demand for real-time, accessible, and digital-first payments experiences, payments firms are subject to data privacy regulations, technological advances, and growing e-commerce. 

Whether it’s a business opportunity or for regulatory compliance reasons, payments modernization is crucial for growth.

We help you solidify your competitive position through next-generation payments solutions across your customer segments, while maximizing your ROI. We are enabling financial institutions with services ranging from payments strategy, differentiation, and monetization, to partnering with FinTechs – and from payments hub transformation, ISO compliance, and real-time payments enablement, to open banking. 
 
We have over three decades of experience in the cards and payments sector. And with over 5,000 payments experts globally, we have the expertise and partnerships to help you create game-changing payments ecosystems. 

Assemble the bank you want

Grow and evolve with the changing market.

    World Payments Report 2021

    We explore Payments 4.X – an experience-driven environment now attracting tech-expert ecosystem players.

    Read the report

    Paving the way for global use of CBDCs and tokenized assets

    Interlinking CBDCs for seamless cross-border payments

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    Digitized B2B Payments Acceleration

    Innovative bundled solutions to address payment challenges for SMEs

    Find out more

    We are named leader for digital banking by ISG

    ISG recognizes us as a leader in banking governance and risk and compliance services across the US, UK, and Nordics regions. 

    Get the full report

      What we do

      We help you improve your real-time payments journey by effectively transforming your core payment hub, and build ecosystem strategies for both retail and corporate customers.

      We can help develop your payments strategy and roadmap, assess and select the right platform, implement cloud payments, and implement your payments hub.

      Our payment program implementation, frameworks and accelerators, Clearing Connect solution, and ISO migration framework can fast-track the implementation journey by up to 35%.

      We have partnerships with all major payment engine technology providers like Finastra (GPP), FIS (OPF), Volante (Volpay), and Icon Solutions.

      Clearing Connect
      Open banking provides opportunities to digitally transform, drive innovation, create a partner ecosystem, and unleash new revenue streams.

      Capgemini’s Open Banking platform is a proven API-enabled platform that is currently delivering secure, market leading advantage to our clients.

      Our Open Banking platform’s features include:

      • API Sandbox that allows third party providers and developers an open experimentation space to build and test new open APIs
      • A customizable platform with a flexible, layered architecture; each layer can be scaled, managed and upgraded independently
      • Leading AI and automation capabilities
      • The ability to support full end-to-end propositions or specific services, such as Know Your Customer (KYC) or onboarding.

      Open Banking
      Unlock the potential of cards platforms to gain efficiencies, increase market agility, and deliver a seamless customer experience.

      With over two decades of experience in card transformation, we can help you:

      • Transform your cards issuance platform
      • Implement/upgrade new card issuance platforms
      • Migrate your cards portfolio
      • Assess and evaluate leading cards processing products
      • Comply effectively with regulations
      • Develop and manage your applications
      • Implement network schemes.

      Help your customers embrace real-time cash management via seamless, connected tools across the spectrum of cash and liquidity management.

      Extract value and achieve new synergies across APIs, FinTech partnerships, data standardization, cutting-edge virtual account solutions, and real-time transacting, by creating unique and memorable last-mile cash management solutions.

      We help overcome legacy issues, reducing risk and delivering data-driven insights. From seamless payables and receivables to intra-day sweeping and real-time cashflow dashboards, we have the expertise and partnerships to help create a game-changing cash management ecosystem for your customers.

      Enhance your cash management experience with:
      • Cash management strategy and solution implementation
      • Virtual accounts management strategy and implementation
      • Accounts payable and accounts receivable strategy and solutions
      • FinTech partnerships.

      We provide an end-to-end suite of services across the merchant acquiring business and technology value chain.

      Our services help clients:

      • Venture into new geographies and markets as well as forge new partnerships: consulting, strategy and roadmap
      • Gain understanding of the global payments business, products, and technology trends: payment thought leadership reports
      • Build innovative merchant solutions for acquirers, retailers, networks, and PSPs.

      Research and insights

      Analyst view point

      Tech-powered growth: How financial institutions can bridge the martech gap with bigtech
      Report

      TechnoVision 2022: Financial Services
      Report

      Payment system modernization for innovation – at speed and scale
      Point of view

      Equipping financial services for the ESG era
      Point of view

      Accelerating growth: How banks can fast track customer personalization

      Client stories

        Digital customer experiences at scale by Entercard

        Entercard partners with Capgemini to deliver seamless customer experiences through automated, data-driven journeys delivering more customized offers, all powered by Salesforce Marketing Cloud and Service Cloud

        Read more

          Expert perspectives

          Banking & capital markets

          Key challenges in the KYC space and how to address them

          Manish Chopra
          Jul 27, 2022
          Banking & capital markets

          ESG for banks – how to elevate the game to achieve key goals

          Capgemini
          Apr 12, 2022
          Banking & capital markets

          BigTech into payments

          Joost van Putten
          Jun 15, 2022

          Meet our experts

          Johan Bergström

          Executive Vice President, Head of Financial Services at Capgemini Invent Australia-Finland

            Partners

            AWS

            Google Cloud

            Microsoft

            MuleSoft

            Temenos

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