Digital & Mobile Banking

How to do more with less? This is the main issue for most banks competing in our digital world. Digital is not about adding more new technology. It is about how you can leverage technology to work differently for a better customer experience and sales and operational efficiency

– Babu Mauze, Digital Transformation Solutions, Global Practice Head

Embrace Digital to Improve Business Performance

Just a few years ago, FinTechs and banks viewed each other skeptically. But this icy skepticism is melting these days as both realize they can leverage each other’s complementary strengths for mutual success. A key enabler for Bank/FinTech collaboration in the Open Banking era is Application Programming Interfaces (APIs) that allow diverse software components to communicate.

Certainly some API implementations are passive partnerships in which a firm provides an API and a bank implements it. But maximum impact is realized when partners actively work together, securely connecting their systems, to create something entirely new. An API-enabled banking ecosystem offers banks and partners an opportunity to develop innovative products and services. The result? Customer delight and new business streams.

The 2017 World Retail Banking Report, from Capgemini and Efma, explores how APIs foster business and technology outcomes that enables productive collaboration among diverse stakeholders. As the revenue-generating potential of APIs becomes more quantifiable, banks face a compelling call to adopt them.

Today, thoughtfully conceived API monetization strategies are transforming once tightly-closed banking systems into an ecosystem of connected institutions and individuals. Our report assesses how the roles of banks, within this ecosystem environment, may change in the future and how banks can leverage APIs now to prepare strategic roadmaps.

Banks still need to address systemic issues from legacy systems – revamping their core systems, leveraging digital across the banking value chain and establishing a core competency in API-based software development. Capgemini can help banks embed digital integrally throughout the value chain, including all customer touchpoints and back end processes enabling banks create more personalized and fluid customer engagements; achieve lean and cost effective operations, and transform the workforce by providing new ways to work and collaborate.

Explore Capgemini Connected Banking to learn how we are enabling banks to deliver a digitally enriched real-time customer experience, supported by highly personalized and tailored services.

Explore Technovision to find out what it means to translate digital aspiration into real capabilities.

Our digital transformation solutions include:

For help transforming customer experiences with digital banking innovation, contact our experts at

Advanced Mobility Services for Banking

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Experience-led Multichannel Banking with Odigo

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