Consumer Lending

Capitalizing on digital to modernize consumer credit journeys, delight borrowers and grow business

Consumer Lending capabilities

Retail lenders, transformation awaits. Our expertise helps you plot your digital path to innovation, efficient operations and happier borrowers—and get there sooner.

Consumer credit transformation

Banks can tap digital technology to make their credit operations more effective, innovative and disruptive—start to finish.

Modern target operating model

Distinctive and growth-driving lending today calls for credit operating models that are digital, flexible, dynamic and customer-focused.

Sales strategy and innovation

Established lenders that rely on their retail footprint can distinguish their interactions and offers to attract and acquire borrowers.

Residential mortgage lending

Incumbents can draw on modern processes and disruptive technology to adapt their mortgage operations to the digital age—with speed and efficiency.

Loan servicing platform innovation

Understanding and investing in the right technologies with the right partners comprise the foundation for lending operations in the New.

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Give retail borrowers the experience they want

Disruptive elements like new data sources, real-time credit decisions, AI and fintech continue to change the landscape for traditional retail lenders and servicers. Leaders know it’s time to get innovative across consumer lending—from home equity, auto, and personal loans to mortgages and consumer cards, they must make credit fast and smooth, appealing, personalized and memorable to grow business.

Successful transformation to modern lending operations doesn’t have to be a solo journey. We can come along to enable the changes that translate into nimbler, more efficient and highly compliant operations so that lenders can focus on what matters most: the customer.

What distinguishes our credit transformation services?

Deep experience

Decades working with 100+ major lenders

Business process services

Lower costs and faster cycles


Alliances around game-changing software products that help lenders perform faster, smarter and with more agility

Efficient delivery

Implementing solutions through an agile model for better speed, cost and control

Accenture Digital

36,000+ specialists in one of the world’s largest digital transformation practices

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What we think

Mastering in-vehicle commerce can help automakers stay in the driver’s seat of mobility.

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Our leaders