Banking Operations Transformation

Helping retail banks keep up with rising customer expectations for personalized and seamless services

FinTechs are making it difficult for traditional retail banks to keep up with rising customer expectations for personalized and seamless services. Capgemini retail banking solutions provide fully integrated, all-channel experiences that customers want and the actionable business information that banks need.

We offer banks design and implementation solutions that reduce operating costs, manages risk and regulatory compliance more effectively, enhances service quality and optimizes the customer experience. As a result, banks can reduce total cost of ownership, boost operational efficiency and flexibility, and ensure they have in place an IT platform that will be sustainable into the future.

Capgemini provides a comprehensive suite of retail banking services including omni-channel and branch transformation, Connected Banking, consumer lending and mortgages and the following:

Core banking strategy and transformation
Capgemini evaluates the feasibility of a transformation for its clients; builds the transformation strategy and roadmap; defines an operating model; builds an architectural design; formulates business requirements; and structures and manages the transformation project.

Target operating model design utilizing business reference models
Capgemini has the ability to define the target operating model for a bank, which provides a comprehensive view on planning the future configuration of assets and capabilities to realize its strategic objectives. Target Operating Model development leverages Capgemini’s large repository of proprietary business reference architectures and models for core banking.

Package implementation and system integration
Capgemini offerings range from building new core platforms including implementation of off-the-shelf packages like such as Temenos T24® and Oracle® FLEXCUBE through modernizing or upgrading of legacy systems, or to developing fully customized solutions.

Global and multi-site roll outs
Capgemini’s well-defined, proven multi-site implementation and roll out approach provides an industrialized way of working across multiple countries as well as multiple system implementations within a single country.

Data migration
Through unique tools and accelerators, proven methodologies and experienced resources, Capgemini has the ability to manage migration-related challenges for its clients and provide faster, higher quality and cost effective data migration for core banking implementations, including the mitigation of risks to data quality and integrity.

Capgemini’s comprehensive, model-based testing approach accelerates implementation, and ensures user acceptance and a smooth transition to the new core banking system.

Leading Technology Partners


Lowering Risk and Accelerating Return on Investment

Capgemini’s business-led, technology-supported approach draws on deep global core banking experience and ensures that the core banking solution is effective, efficient, and well-adopted by your business. Our capabilities include:

  • More than 10 years of experience working on various banking systems and more than 1,000 projects delivered in the banking sector
  • Involvement of subject matter experts throughout the program lifecycle
  • Ability to reduce a transformation program timeline by up to 20%
  • Ability to reduce target state design time by up to 20% with a repository of more than 300 business process reference models
  • Expertise on market-leading platforms Temenos and Flexcube with unparalleled accelerators
  • More than 2000 core banking professionals globally supported by our Rightshore® network
  • 17,000 reusable banking test cases

Want to know more about our Core Banking Offerings? Contact us today.



World Retail Banking Report 2017

Video highlights of the findings of the World Retail Banking Report 2017 from Capgemini and Efma where the future of Open Banking using Application Programming Interfaces (APIs) is explored. The 2017 report includes insights on the revenue generating potential of APIs, which are the key enabler for Bank/FinTech collaboration in the Open Banking era.

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