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

Elevating card experiences to deepen customer loyalty

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

Transforming credit card experiences for lasting trust

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

Retail banking top trends 2025

Discover 2025’s top retail banking trends to stay ahead in a dynamic market and drive customer-centric innovation

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?

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.

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.

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.

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?

Contact center transformation

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

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 ?

Core banking

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

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Client stories

Barclays taps Capgemini to elevate investment research UX

Barclays partners with Capgemini to transform investment research delivery, enhancing client experience through digital innovation

Revolutionizing Riverty’s CRM capabilities with Copilot for Sales

Capgemini and Riverty redefined CRM engagement, including integrating Microsoft Copilot for Sales to drive efficiency and innovation in sales operations

How a leading financial services firm set the stage for hyper-personalization

A new consent management platform goes beyond compliance, enabling a new level of targeted offers

Becoming more customer-centric with personalized offer management

A leading bank transformation: plan, build, and implement end-to-end offer management platform leveraging Naehas and Adobe solutions, powered by AI.

International banking group grows customer engagement with investment research platform

Revenue growth driven by attracting more customers through a customer-centric digital research platform.

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.

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

Expert perspectives

Customer experience

Creating a loyal experience for customers in banking

Vinay Patel
Sep 25, 2024
Customer experience, Technology

Precision in personalization: The power of BPM platforms

Dinesh Karanam
May 29, 2024
Customer experience, Data and AI

Empowering customers with behavioral data and AI-driven personalization

Capgemini
May 3, 2024

Meet our experts

Liv Fiksdahl

Liv Fiksdahl

Vice President, Banking & Insurance
Liv has more then 30 years of experience from the Banking industry. She has had executive roles, and has experience from the whole valuechain within the sector. As an expert she cover both, retail, corporate and the payments area. She has a strong track record when it comes to doing IT turnarounds, setting up new organisations and running large tranformation programs.

    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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