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 2025

Learn how banks are adapting to digital trends and evolving customer needs in the latest World Retail Banking Report

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Elevating card experiences to deepen customer loyalty

Banks can enhance customer trust by refining card services, creating seamless experiences, and fostering long-term relationships

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Transforming credit card experiences for lasting trust

By reducing friction and enhancing service quality, banks can strengthen customer relationships and drive long-term loyalty

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What we do

Achieve high-velocity marketing, and enhance your marketing performance.

With our connected marketing for financial services solutions, we help you achieve high-velocity marketing, and enhance your marketing performance, by building adaptive and agile operating models, acting on data-driven insights, and establishing a resilient, scalable technology platform.

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.

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Research and insights

Report

Empowering banking customers’ signature moments
Report

The art of customer connection
Point of view

Ramping up customer experience (CX) – from interaction to engagement
Report

Enabling growth through the market-centric data layer
Capgemini Research Institute

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

capgemini-research-institute
Point of view

How banks can use generative AI to enhance marketing disclosures

Client Story

A leading bank becomes more customer-centric with personalized offer management

Capgemini helps a leading financial services institution transform its offer management, resulting in more tailored customer experiences and substantial cost savings

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Developing a one unified desktop contact center for a leading international financial institution

Capgemini collaborated with the company to design and develop a lean contact center that revolves around a One Unified Desktop model, which streamlines the experience for both agents and customers

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Expert perspectives

Customer experience

Ecosystem-enabled transformation for banks

Anuj Agarwal
Sep 23, 2022
Customer experience, Technology

How a siloed approach prevents banks today from fully leveraging data to increase customer engagement

Capgemini
Aug 17, 2022

Meet our experts

Nilesh Vaidya

Nilesh Vaidya

Global Head of Banking and Capital Markets
Carlos Salta

Carlos Salta

EVP, Head of Banking and Capital Markets Practice
Gaurav Sophat

Gaurav Sophat

Expert in Banking, Financial Services, Insurance
Gareth Wilson

Gareth Wilson

Global Head of Banking and Capital Markets Practice 
With over 30 year of experience, Gareth is an expert with a proven track record of developing long term client relationships and the successful management of large scale, complex, business critical client engagements.
Chandramouli Venkatesan

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.

    Awards and recognition

    Temenos delivery partner of the year

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

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    Partners

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    Connect with our experts and read the latest industry insights on our dedicated LinkedIn page

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