Banking Operations Transformation

We help banks design new operating models that equip them to deal with every aspect of today’s business environment, from the digital revolution to tighter regulation and cost pressures.

Key challenges

Banking is part of a digital revolution. New digital technologies, emerging digital competitors and rapid changes in customer preferences are challenging traditional services such as payments, transactions and financial advice. Our clients face radical change to the way they deliver services; they must improve the customer experience using branchless banking, mobile and digital customer services, and customer data analytics, for example.

Strengthened regulation in the wake of the financial crisis presents further challenges, and more requirements are expected. Banks must review compliance processes, create new risk and compliance business units, separate retail and investment operations, and develop capabilities such as regulatory reporting.

The financial crisis has also brought a need for more efficient, cost-effective operating models. Our clients want to revisit every aspect of the way they operate, and create lean, integrated services. This entails redesigning not only front-end customer services, but also middle- and back-office operations.

Our solution

We design operating model end-states that are fully aligned with business strategy and wider business functions, and not limited to a programme’s defined scope of design. Our Operating Model Design Approach brings banking reference architecture to accelerate the design and engagement process.
In addition, we can design processes using volumetrics and visualisation tools. This ensures that the designed end-state process model links to the business strategy and customer journeys, is driven by transactional volumes, and has been validated against multiple future scenarios. 

Why Capgemini?

We challenge traditional delivery methods by emphasising stakeholder engagement via creative visualisation techniques and acceleration methods (such as our Accelerated Solutions Environment). We’ve embedded analytical tools into our design and delivery methods to ensure design decisions are driven by organisational data rather than opinions.
We have extensive experience in developing industry-specific applications of digital strategy. We’ve also developed methods for integrating digital technologies.
Our clients find that our blend of financial services resources with experience from other industries, alongside robust delivery expertise and experience (onshore and offshore), brings new ways of thinking to programme delivery. Engaging with our teams is easy thanks to our collaborative ways of working.

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