{"id":636482,"date":"2025-07-08T10:13:44","date_gmt":"2025-07-08T10:13:44","guid":{"rendered":"https:\/\/www.capgemini.com\/nz-en\/?post_type=client-story&#038;p=636482"},"modified":"2025-07-11T10:23:02","modified_gmt":"2025-07-11T10:23:02","slug":"transforming-credit-decisioning-a-collaborative-approach-to-customer-centric-innovation","status":"publish","type":"client-story","link":"https:\/\/www.capgemini.com\/nz-en\/news\/client-stories\/transforming-credit-decisioning-a-collaborative-approach-to-customer-centric-innovation\/","title":{"rendered":"Transforming credit decisioning: A collaborative approach to customer-centric innovation"},"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\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" 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\">Client story<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Transforming credit decisioning: A collaborative approach to customer-centric innovation<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-bank-client-story-case-study.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download the case study<\/span><span class=\"type\">790 KB  pdf<\/span><\/a><\/div><\/div><\/div><div class=\"infoWrapper \"><div class=\"row\"><div class=\"col-md-4\"><span class=\"fieldName\">Client: Major U.S. bank<\/span><\/div><div class=\"col-md-4\"><span class=\"fieldName\">Region: North America<\/span><\/div><div class=\"col-md-4\"><span class=\"fieldName\">Industry: Banking and capital markets<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-intro-para undefined section section--intro\"><div class=\"intro-para\"><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\/nz-en\/news\/client-stories\/transforming-credit-decisioning-a-collaborative-approach-to-customer-centric-innovation\/\" 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-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/nz-en\/news\/client-stories\/transforming-credit-decisioning-a-collaborative-approach-to-customer-centric-innovation\/\" 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\"><h2 class=\"intro-para-title\">Capgemini and a leading US bank developed a new credit decisioning platform that boosted credit availability by $700M, reduced high-risk exposure by $200M, and cut processing time by 50%<\/h2><p class=\"intro-para-content\"><strong>Client challenge: <\/strong>\u00a0A US-based national bank looked to reduce duplication of effort, improve risk management, boost decision-making efficiency, and enable better credit decisions.<br><strong>Solution: <\/strong>\u00a0Capgemini developed a new credit decisioning platform that integrates data, optimizes processes, reduces risks, and enables real-time, accurate credit decisions to enhance efficiency and customer-centricity across the bank\u2019s operations.<br><strong>Benefits:<\/strong><\/p><ul class=\"box-list\"><li>Proactively increased available credit across target accounts by $700 million<\/li><li>Reduced high-risk credit exposure by $200 million<\/li><li>Improved high-risk account management, cutting processing time by 50%<\/li><\/ul><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-addressing-the-challenges-of-assessing-creditworthiness\">Addressing the challenges of assessing creditworthiness<\/h2>\n\n\n\n<p>A leading US-based national bank was grappling with significant challenges in assessing creditworthiness, a critical function for its operations. The bank relied on multiple custom-built solutions deployed across lines of business (LOBs). This lack of a centralized calculation platform prevented the company from being more efficient, effectively addressing risk, and lowering costs.<\/p>\n\n\n\n<p>The bank prioritized streamlining operations to reduce duplication of effort, enhancing controls to improve risk management, accelerating decision-making to boost efficiency, and adopting a data-driven strategy to enable better credit decisions. Addressing these would boost their ability to provide a high-quality customer experience and remain competitive in a rapidly evolving financial landscape.<\/p>\n\n\n\n<p>The bank engaged Capgemini to lead this mission-critical initiative due to its deep domain knowledge, proven expertise in financial services, and a long-standing, trusted partnership. The objective was to build a credit decisioning platform that could unify processes, enhance governance and risk management, and deliver a customer-first approach powered by advanced analytics.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-collaborative-development-of-a-centralized-credit-decisioning-platform\">Collaborative development of a centralized credit decisioning platform<\/h2>\n\n\n\n<p>Capgemini partnered with the bank\u2019s technology team to embark on a multi-year initiative. The project team set out to deliver advanced capabilities such as data ingestion, transformation, integration with FICO for decision-making, and efficient data delivery.<\/p>\n\n\n\n<p>Through a collaborative approach, Capgemini worked with the bank to align the platform\u2019s design with the organization\u2019s operational requirements and strategic goals. Key functionalities that were implemented include a proactive credit line increase strategy to optimize credit line adjustments, a predictive model to assess the likelihood of credit defaults, a framework for effectively managing high-risk accounts, and a targeted strategy to handle non-expansion credit cases.<\/p>\n\n\n\n<p>The Capgemini team also played a pivotal role in delivering a point-of-sale project, enabling real-time credit decisioning for the bank\u2019s buy-now-pay-later solution. To ensure seamless integration with existing systems and manage data complexities across multiple LOBs, the project team applied iterative testing and rigorous validation processes while maintaining continuous communication between the partner organizations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-driving-measurable-results-and-operational-transformation\">Driving measurable results and operational transformation<\/h2>\n\n\n\n<p>Since being implemented, the new credit decisioning platform has significantly improved operational efficiency, governance, and risk management while empowering the bank to adopt a customer-first approach. Notable achievements include a $700 million uplift in proactive credit line increases, a $200 million decrease in high-risk credit exposure through predictive modeling, and a 50% reduction in processing time for managing high-risk accounts. The implementation of a targeted strategy for non-expansion credit cases has further streamlined operations and reduced inefficiency.<\/p>\n\n\n\n<p>These advancements have not only improved internal processes but also enhanced the customer experience by enabling faster, more accurate credit decisions. The bank now operates with a platform that fosters centralized decision-making across multiple LOBs, breaking down silos and reducing duplication of effort.<\/p>\n\n\n\n<p>Looking ahead, the bank plans to build on this success by expanding the platform\u2019s footprint. In 2025, it will be rolled out to support credit decisioning for mortgages and auto loans, further broadening its impact across the organization. With Capgemini\u2019s ongoing support, the bank is well-positioned to sustain and accelerate these improvements, driving long-term value and strengthening its competitive edge in the financial services sector.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n<section class=\"section latestStoriesBlock \"><div class=\"container\"><div class=\"contentTitle\"><h2 class=\"story-heading\">Client stories<\/h2><\/div><div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-4 col-lg-8\">\n\t\t\t\t\t\t<div class=\"storyBox \">\n\t\t\t\t\t\t\t<div class=\"imageWrapper focused-image-container\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.capgemini.com\/nz-en\/news\/client-stories\/security-banks-seamless-payments-experience-supports-90-growth-in-instant-payments\/\" aria-label=\"Security Bank\u2019s seamless payments experience supports 90% growth in instant payments\"  tabindex=\"-1\">\n\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Secuirty-Bank-Corporation-client-story-web-banner.jpg?w=1024&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Secuirty-Bank-Corporation-client-story-web-banner.jpg?w=1024&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Secuirty-Bank-Corporation-client-story-web-banner.jpg?w=500&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Secuirty-Bank-Corporation-client-story-web-banner.jpg\" alt=\"\" style=\"object-position: 0% 0%; object-fit: cover;\" class=\"focused-image\" \/>\n\t\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"storyInfo\">\n\t\t\t\t\t\t\t\t<span class=\"storyTag\">Banking and capital markets<\/span>\n\t\t\t\t\t\t\t\t<a class=\"storyTitle\" href=\"https:\/\/www.capgemini.com\/nz-en\/news\/client-stories\/security-banks-seamless-payments-experience-supports-90-growth-in-instant-payments\/\" aria-label=\"Security Bank\u2019s seamless payments experience supports 90% growth in instant payments\" >\n\t\t\t\t\t\t\t\t\t<h3 class=\"story-subtitle\">Security Bank\u2019s seamless payments experience supports 90% growth in instant payments<\/h3>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<p><\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div><div class=\"col-md-8 col-lg-4\"><div class=\"row\"><div class=\"storyBox btmSpaceThreeStory col-lg-12 col-md-6\">\n\t\t\t\t\t\t<div class=\"imageWrapper focused-image-container\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.capgemini.com\/nz-en\/news\/client-stories\/how-a-leading-financial-services-firm-set-the-stage-for-hyper-personalization\/\"  aria-label=\"How a leading financial services firm set the stage for hyper-personalization\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/02\/Client-story-Banking-and-financial-services-web-Banner_2880x1800.jpg?w=1024&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/02\/Client-story-Banking-and-financial-services-web-Banner_2880x1800.jpg?w=1024&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/02\/Client-story-Banking-and-financial-services-web-Banner_2880x1800.jpg?w=500&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/02\/Client-story-Banking-and-financial-services-web-Banner_2880x1800.jpg\" alt=\"\" style=\"object-position: 0% 0%; object-fit: cover;\" class=\"focused-image\" \/>\n\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"storyInfo\">\n\t\t\t\t\t\t\t<span class=\"storyTag\">Banking and capital markets<\/span>\n\t\t\t\t\t\t\t<a class=\"storyTitle\" href=\"https:\/\/www.capgemini.com\/nz-en\/news\/client-stories\/how-a-leading-financial-services-firm-set-the-stage-for-hyper-personalization\/\"  aria-label=\"How a leading financial services firm set the stage for hyper-personalization\">\n\t\t\t\t\t\t\t\t<h3 class=\"story-subtitle\">How a leading financial services firm set the stage for hyper-personalization<\/h3>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<p><\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div><div class=\"storyBox btmSpaceThreeStory col-lg-12 col-md-6\">\n\t\t\t\t\t\t<div class=\"imageWrapper focused-image-container\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.capgemini.com\/nz-en\/news\/client-stories\/a-leading-bank-becomes-more-customer-centric-with-personalized-offer-management\/\"  aria-label=\"A leading bank becomes more customer-centric with personalized offer management\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/10\/Leading-bank-client-story-web-banner.jpg?w=1024&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/10\/Leading-bank-client-story-web-banner.jpg?w=1024&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/10\/Leading-bank-client-story-web-banner.jpg?w=500&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/10\/Leading-bank-client-story-web-banner.jpg\" alt=\"\" style=\"object-position: 0% 0%; object-fit: cover;\" class=\"focused-image\" \/>\n\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"storyInfo\">\n\t\t\t\t\t\t\t<span class=\"storyTag\">Banking and capital markets<\/span>\n\t\t\t\t\t\t\t<a class=\"storyTitle\" href=\"https:\/\/www.capgemini.com\/nz-en\/news\/client-stories\/a-leading-bank-becomes-more-customer-centric-with-personalized-offer-management\/\"  aria-label=\"A leading bank becomes more customer-centric with personalized offer management\">\n\t\t\t\t\t\t\t\t<h3 class=\"story-subtitle\">A leading bank becomes more customer-centric with personalized offer management<\/h3>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<p><\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div><\/div><\/div><\/section>\n\n\n\t\t<section\n\t\t\tclass=\"section section--lifeatcap-learning section--event-slider-careerInvent \">\n\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class='career-invent-header'>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"slider slider-fader ddf996d8-72c0-48cb-a8cf-af63b6a5f173\">\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"slider-list \">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"slide active \">\n\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\tclass=\"slide-bg-wrapper wp-block-cg-blocks-career-invent is-style-sapphire3\">\n\t\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"col-md-6 col-sm-12 box-inner \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"68\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Banking and capital markets\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tBanking and capital markets\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Banks and capital markets firms are facing unprecedented disruption.\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"white-space: pre-wrap;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tBanks and capital markets firms are facing unprecedented disruption.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\"> <a 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src=\"https:\/\/www.capgemini.com\/nz-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                     <\/div>\n                    <\/div><div class=\"layout-two-card cards-reversed\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/nz-en\/insights\/research-library\/world-retail-banking-report\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/nz-en\/wp-content\/uploads\/sites\/37\/2025\/03\/Website-hero-banner-2880x1800-1.jpg?w=800&#038;quality=70 1x, 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href=\"https:\/\/www.capgemini.com\/nz-en\/insights\/research-library\/technovision-2025\/\" aria-label=\"TechnoVision 2025\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">TechnoVision 2025<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/nz-en\/insights\/research-library\/world-retail-banking-report\/\" aria-label=\"World Retail Banking Report 2025\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Capgemini Research Institute<\/div>\n                                <h3 class=\"card-title\">World Retail Banking Report 2025<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/nz-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/nz-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><\/div>\n                    <\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"<p>Capgemini and a leading US bank developed a new credit decisioning platform that boosted credit availability by $700M, reduced high-risk exposure by $200M, and cut processing time by 50%<\/p>\n","protected":false},"author":211,"featured_media":636483,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","client_logo_id":0,"client_logo_url":"","primary_term":"","featured_focal_points":""},"tags":[31],"brand":[179],"service":[98,52],"industry":[101],"partners":[],"country":[56],"content-group":[],"class_list":["post-636482","client-story","type-client-story","status-publish","has-post-thumbnail","hentry","tag-client-story","brand-capgemini","service-data-ai","service-enterprise-management","industry-banking-capital-markets","country-usa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Transforming credit decisioning: A collaborative approach to customer-centric innovation - Capgemini New Zealand<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/nz-en\/news\/client-stories\/transforming-credit-decisioning-a-collaborative-approach-to-customer-centric-innovation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transforming credit decisioning: A collaborative approach to customer-centric innovation\" \/>\n<meta property=\"og:description\" content=\"Capgemini and a leading US bank developed a new credit decisioning platform that boosted credit availability by $700M, reduced high-risk exposure by $200M, and cut processing time by 50%\" \/>\n<meta property=\"og:url\" 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