{"id":592328,"date":"2023-02-09T05:00:51","date_gmt":"2023-02-09T04:00:51","guid":{"rendered":"https:\/\/www.capgemini.com\/?post_type=research-and-insight&#038;p=858410"},"modified":"2024-06-21T07:14:29","modified_gmt":"2024-06-21T07:14:29","slug":"cloud-native-credit-decision-systems-in-banking-and-cards","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/gb-en\/insights\/research-library\/cloud-native-credit-decision-systems-in-banking-and-cards\/","title":{"rendered":"Cloud-native credit decision systems in banking and cards"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/02\/Cloud-native_decision_systems-Web_Background_v4.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/02\/Cloud-native_decision_systems-Web_Background_v4.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/02\/Cloud-native_decision_systems-Web_Background_v4.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/02\/Cloud-native_decision_systems-Web_Background_v4.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/02\/Cloud-native_decision_systems-Web_Background_v4.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/02\/Cloud-native_decision_systems-Web_Background_v4.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/02\/Cloud-native_decision_systems-Web_Background_v4.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/02\/Cloud-native_decision_systems-Web_Background_v4.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/02\/Cloud-native_decision_systems-Web_Background_v4.jpg\" class=\"header-img header-img-d\" alt=\"Cloud-native_decision_systems-Web_Background_v4\" style=\"object-fit:cover;object-position:64% 47%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Financial services<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Cloud-native credit decision systems in banking and cards<\/h1><\/div><div class=\"inner-row-insight download-btn\"><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\" id=\"quoteWrapper\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=858410\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=858410&amp;text=\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=858410&amp;text=\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-financial-services-companies-that-implement-cloud-native-solutions-can-tap-into-a-growing-universe-of-data-accelerating-new-product-launches-and-optimising-pricing-strategies\">Financial services companies that implement cloud-native solutions can tap into a growing universe of data, accelerating new product launches and optimising pricing strategies.<\/h3>\n\n\n\n<figure class=\"wp-block-image alignright size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/02\/Cloud-native_decision_systems-POV_thumbnail.jpg\" alt=\"\" class=\"wp-image-858426\" style=\"width:200px;height:636px\"\/><\/figure>\n\n\n\n<p>Many financial services institutions are making the move to the cloud for increased flexibility and the ability to rapidly bring new products to market. How they move their applications and data to the cloud can have a significant impact on whether they achieve their expected business results. Simply lifting and shifting from an on-premises solution has drawbacks and the results can fall short of expected business results. <\/p>\n\n\n\n<p>A cloud-native solution replaces the traditional structured database with a hybrid, semi-structured database that simplifies the architecture and dramatically reduces the time required to incorporate new data sources. Cloud-native solutions maximise the use of AI and machine learning enabling increased agility with database-driven insights and reducing the risk in offering auto loans, mortgages, and credit cards.<\/p>\n\n\n\n<p>Read our latest POV on cloud-native credit decision systems for banking and cards to see how you can take your critical decision systems to the next level, yielding substantially higher levels of agility, depth, and speed needed to compete successfully for customers.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/go.capgeminigroup.com\/capgemini-cloud-native-credit-decision-systems-in-banking-and-cards\" target=\"_blank\" rel=\"noreferrer noopener\">Download paper<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-autocloud-form undefined autocloudform\"><div class=\"section--autoCloud-form\"><div class=\"wrapperAutoCloudSection\" id=\"linkToForm\"><div class=\"container\"><div class=\"row\"><div class=\"col-md-12 col-lg-6 left-img align-self-center escaper-left\"><\/div><div class=\"  col-md-12\"><div class=\"autoCloudForm\"><h4 class=\"formHelpText\">Contact us<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_592333_349268583\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_486116_3694_1663129032\" name=\"_mf_486116_3694\" placeholder=\"First Name\" required \/><label for=\"_mf_486116_3694_1663129032\" class=\"form-label\">First Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">First Name is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_509072_2188_3913099567\" name=\"_mf_509072_2188\" placeholder=\"Last name\" required \/><label for=\"_mf_509072_2188_3913099567\" class=\"form-label\">Last name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Last name is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_486116_5644_3349122807\" name=\"_mf_486116_5644\" placeholder=\"Email\" required \/><label for=\"_mf_486116_5644_3349122807\" class=\"form-label\">Email <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Email is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_494233_2654_197970810\" name=\"_mf_494233_2654\" placeholder=\"Company\" required \/><label for=\"_mf_494233_2654_197970810\" class=\"form-label\">Company <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Company is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_512371_8973_2352043498\" name=\"_mf_512371_8973\" placeholder=\"Job Title\" required \/><label for=\"_mf_512371_8973_2352043498\" class=\"form-label\">Job Title <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Job Title is not valid.<\/div><\/div><div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<div class=\"form-check checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_486116_6677_3380771322\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_486116_6677[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_486116_6677_3380771322\" class=\"form-check-label consent-text\">\n\t\t\t\tI agree to Capgemini collecting &amp; processing my personal data to allow me to receive information on Capgemini services. 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