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 2024

    Intelligent banks do more with less: Take an efficiency leap with frictionless, personalized banking

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    Temenos delivery partner of the year

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

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    Retail banking top trends 2024

    New-age players, emerging technologies, and expanding regulatory compliance are transforming the retail banking landscape.

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      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?

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      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.

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      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.

      Core Banking
      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.

      Visit Finastra
      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?

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        Contact center transformation

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

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        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 ?

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        Core banking

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

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          Research and insights

          Report

          The art of customer connection
          Point of view

          Enabling growth through the market-centric data layer
          Point of view

          How banks can use generative AI to enhance marketing disclosures
          Point of view

          Ramping up customer experience (CX) – from interaction to engagement
          Capgemini Research Institute

          Generative AI in leadership
          Report

          Modernizing offer management systems to win the battle for growth

          Client stories

          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.

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            International banking group grows customer engagement with investment research platform

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

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              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.

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                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

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                  BNP Paribas: Inventing tomorrow's bank through innovation

                  Powering up a dedicated in-house innovation and acceleration center.

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                    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

                    Alok Benjwal
                    May 3, 2024

                    Meet our experts

                    Helen Jensen

                    Vice President, Capgemini Invent Sweden-Finland | Head of Insurance
                    Helén is a Vice President at Capgemini Invent, Sweden & Finland, where she leads the insurance practice – a part of the global Capgemini Invent banking and insurance industry. She has over 25 years of experience in leading and managing transformation programs at insurance companies, banks and corporations. She has lead mergers from the beginning of the deal to the integration phase, run efficiency and development programs, and developed finance functions.

                    Anne Lind

                    VP & Community Lead, Capgemini Invent
                    Anne Lind has extensive experience in growing and leading businesses and professional services. During her career, she has worked as a trusted advisor to several global, Nordic, and Finnish companies on their various management and leadership challenges as well as large transformations. The experiences have shaped Anne into a savvy professional working together with C-level executives and board members, having a deep understanding of sustainable business transformations and skilled in architecting operating models, defining, and implementing new ways of working, and accelerating top-line growth as well as improving bottom-line and driving restructuring.

                    Tea Silander

                    Head of Financial Services Finland
                    Tea has 20 years of experience in IT, mostly with Banking and Financial Services industry. She has held various positions giving her cross-cutting understanding of the market and ability to navigate both business and technical discussions. She has been advising and shaping solutions for Finnish and Nordic clients, building her an extensive exposure with technology led digital transformation of the industry. Her heart lits with the opportunities to leverage data and emerging technologies for business development. Her core expertise is with investment services and products, being an active investor since the last 25 years.

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