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.

      ÎÚÑ»´«Ã½â€™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.

          Client stories

          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 ÎÚÑ»´«Ã½â€™s tools reassured us and enabled us to bring our project to fruition.†Bruno Delas, CIO Société Générale Group

                    Powering up a dedicated in-house innovation and acceleration center

                      Expert perspectives

                      Customer experience

                      Creating a loyal experience for customers in banking

                      ÎÚÑ»´«Ã½
                      Sep 24, 2024
                      Customer experience, Technology

                      Precision in personalization: The power of BPM platforms

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

                      Empowering customers with behavioral data and AI-driven personalization

                      ÎÚÑ»´«Ã½
                      Mar 7, 2025

                      Meet our experts

                      Nilesh Vaidya

                      Head of Market Development Group for Financial Services

                      Carlos Salta

                      Head of Banking and Capital Markets Practice
                      Carlos comes with extensive experience and skills sets focused around transformation planning and management, solution definition and complex solution delivery disciplines. He has a strong background in digital led core modernization/replacement and has experience in driving transformations that span front end and back-end functions.

                      Gareth Wilson

                      Global Banking Industry Leader at ÎÚÑ»´«Ã½
                      With over 30 year of experience, Gareth is an expert with a proven track record of developing long term client relationships and the successful management of large scale, complex, business critical client engagements.

                      Chandramouli Venkatesan

                      Vice President – Portfolio Development Lead – Digital Front Office Transformations | Banking and Capital Markets
                      Chandra leads the Front Office transformation portfolio (marketing, sales and customer service) and serves banking and capital markets clients. He focuses his work on customer experience and helping financial institutions transform marketing, sales and customer service into more customer-centric organizations with an emphasis on experience strategy design, technology and data. Chandra has deep experience driving CX transformation for retail banks, payments companies, wealth management and capital markets firms.

                        Awards and recognition

                        Recognition for our investment in technology and complex projects delivery with enhanced client impact

                        Join the conversation on LinkedIn

                        Connect with our experts and read the latest industry insights on our dedicated LinkedIn page