Building the next generation of Banking

Enrich your customer insight with data drawn from all parts of the bank and improve your ability to offer more personalized and meaningful experiences.  

Raise efficiency and productivity across all layers by adopting modern technologies to support your digital transformation—including exploring AI—and reduce organizational risks.

React faster to the changing environment. Increase your flexibility to test new operating models, business strategies and products, supporting competitiveness and growth.

Modern cloud-enabled core banking solutions offer faster time to market, improved levels of automation and scalability and lower total cost of infrastructure ownership.

Ensure secure growth by designing and implementing the right strategy, organizational structure and culture, fully aligned with the business strategy.

Create, operate and optimize AI-powered security capabilities that track and safeguard the bank’s data, assets, systems and people.

Understand emerging threats, prepare for the worst and hone the ability to respond rapidly and effectively to increasingly inventive attacks.

Leading banks look beyond their financial targets to create sustainable, long-term results through talent, clients, sustainability, experiences and inclusion and diversity.

Banks can increase revenue through enhanced operations and experiences without a rise in costs and without having to change their core banking system.

By making data more readily available and using it more intelligently, banks can improve their operations and transform them with AI in places where it can make a significant difference.

Embrace an outside-in perspective to continuously improve operations. Many leading banks use virtual representations to visualize processes, as well as real-time data to understand how and where to improve them.

With 43% of US banks’ tasks lending themselves to automation, there's huge potential to increase process efficiency and redeploy workers to areas where they can add more value.

Enable more personalized employee experiences and align and upskill your teams to make the most of new technologies and talent pools.

Core infrastructure must enable efficient compliance, innovation and differentiated experiences that meet customer expectations.

Embedding payments within the purchase experience is a key feature of online commerce. To meet merchants’ requirements, providers must integrate effectively with their systems.

The digital payments market, estimated at $81bn, is forecast to grow 21% yearly to 2030. To claim their share banks must review their operations, experiences and partner ecosystem.

By using data and AI to tailor services, banks and other payments providers can make customers feel more valued, boost loyalty and share of wallet and raise their lifetime value.

Cloud, data, analytics and AI can enable providers to transform and automate their processes, drive growth and competitiveness—and sustainably cut costs by 30–50%.

With consumer credit accounting for more than a third of retail banking’s revenue pool, banks need a deeper understanding of customers’ circumstances and goals. This will allow them to offer the right finance at the right time in more personalized and convenient ways.

By accessing real-time data and deploying new AI solutions, banks can offer corporate clients a more consistent and tailored self-serve digital experience across multiple channels—allowing clients to be more proactive and easing the manual burden on RMs.

Draw on advanced data analytics, workforce approaches and processing power—as well as new technology such as AI—to make the shift to smart, lean and secure digital lending operations.

The SME sector has always proved difficult for banks to address profitably. Advances in data management and automation are making it easier to understand customers and tailor solutions, while improvements in channels and experiences are streamlining delivery.

A comprehensive, integrated sustainability strategy will enable banks to play a central role in helping organizations minimize their carbon emissions. They will also need enhanced data and analytics, a set of specific new skills and a different, enterprise-wide mindset.

Expanded and automated KYC processes and a robust ESG information architecture helps provide reliable data banks need to measure and manage customers’ transitions to net zero. They'll also be better placed to identify greenwashing and comply with regulations.

To develop green financing products and enable quicker and smarter credit decisions, banks are not only improving their data collection and management, but also integrating their controls and decisioning frameworks.

An operating model fully aligned with the bank’s ESG goals should encompass not only technology, data, processes and skills but also the right infrastructure, partners and culture.

By automating many human tasks and augmenting employees with more current data and advanced technology, banks can significantly improve reliability, accuracy and productivity while facilitating regulatory compliance.

Collect and monitor data from internal and external sources and use AI to identify anomalies and rapidly detect risks and fraud. This will allow you to respond decisively to protect the bank and its customers.

To an increasing degree, customers want tailored banking experiences that match those of leading providers in other sectors. That means organizing the bank’s data around its customers, rather than its products and channels.

Banks can offer, at scale, services and advice that are highly relevant to customers’ lives by having more productive conversations enabled by the power of cloud, data and new technology like generative AI.

By eradicating silos and partnering with ecosystem players, banks can offer propositions that combine banking and non-banking offerings through multiple touchpoints. They could then also reward customers for the entirety of their relationship.

Banks seek not only to recruit scarce tech experts but also to again become a preferred employer of all talent. To succeed, they should review their brand image and culture, their workplace and practices and how their people can build rewarding careers.

AI holds the promise of far-reaching changes in how work is done, as well as in the quality and efficiency of its outcomes. To realize this promise and minimize the accompanying disruption, a holistic, people-centered strategy is essential.

AI isn’t the only force transforming talent; employees themselves are demanding more flexible roles, different work environments, less rigid career paths and an employer that leads with integrity. The future-ready banking workforce is a work in progress.

The human element is crucial to capturing the full potential of any operating model enhancements. Change management should be included in all transformation programs and all opportunities to augment people’s roles with data and automation are worth exploring.