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Cards and Payments

Together with rising demand for real-time, accessible, and digital-first payments experiences, payments firms are subject to data privacy regulations, technological advances, and growing e-commerce. 

Whether it’s a business opportunity or for regulatory compliance reasons, payments modernization is crucial for growth.

We help you solidify your competitive position through next-generation payments solutions across your customer segments, while maximizing your ROI. We are enabling financial institutions with services ranging from payments strategy, differentiation, and monetization, to partnering with FinTechs – and from payments hub transformation, ISO compliance, and real-time payments enablement, to open banking. 
 
We have over three decades of experience in the cards and payments sector. And with over 5,000 payments experts globally, we have the expertise and partnerships to help you create game-changing payments ecosystems. 

Payments Top Trends 2024

Anticipate continued payments industry transformation in 2024, with frontrunners streamlining processes and leveraging DeFi and AI.

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World Payments Report 2023

Where is the cash? Accelerate corporate cash management transformation to build value

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Why cash management dominates Capgemini’s World Payments Report

Finextra sits down with Capgemini’s Jeroen Hölscher, global head of payment services.

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Paving the way for global use of CBDCs and tokenized assets

SWIFT’s new transaction management capabilities could handle all inter-network communication.

Learn more

What we do

We help you improve your real-time payments journey by effectively transforming your core payment hub, and build ecosystem strategies for both retail and corporate customers.

We can help develop your payments strategy and roadmap, assess and select the right platform, implement cloud payments, and implement your payments hub.

Our payment program implementation, frameworks and accelerators, Clearing Connect solution, and ISO migration framework can fast-track the implementation journey by up to 35%.

We have partnerships with all major payment engine technology providers like Finastra (GPP), FIS (OPF), Volante (Volpay), and Icon Solutions.

Clearing Connect
Open banking provides opportunities to digitally transform, drive innovation, create a partner ecosystem, and unleash new revenue streams.

Capgemini’s Open Banking platform is a proven API-enabled platform that is currently delivering secure, market leading advantage to our clients.

Our Open Banking platform’s features include:

• API Sandbox that allows third party providers and developers an open experimentation space to build and test new open APIs
• A customizable platform with a flexible, layered architecture; each layer can be scaled, managed and upgraded independently
• Leading AI and automation capabilities
• The ability to support full end-to-end propositions or specific services, such as Know Your Customer (KYC) or onboarding.

Open Banking
Unlock the potential of cards platforms to gain efficiencies, increase market agility, and deliver a seamless customer experience.

With over two decades of experience in card transformation, we can help you:

• Transform your cards issuance platform
• Implement/upgrade new card issuance platforms
• Migrate your cards portfolio
• Assess and evaluate leading cards processing products
• Comply effectively with regulations
• Develop and manage your applications
• Implement network schemes.

Help your customers embrace real-time cash management via seamless, connected tools across the spectrum of cash and liquidity management.

Extract value and achieve new synergies across APIs, FinTech partnerships, data standardization, cutting-edge virtual account solutions, and real-time transacting, by creating unique and memorable last-mile cash management solutions.

We help overcome legacy issues, reducing risk and delivering data-driven insights. From seamless payables and receivables to intra-day sweeping and real-time cashflow dashboards, we have the expertise and partnerships to help create a game-changing cash management ecosystem for your customers.

Enhance your cash management experience with:
• Cash management strategy and solution implementation
• Virtual accounts management strategy and implementation
• Accounts payable and accounts receivable strategy and solutions
• FinTech partnerships.

We provide an end-to-end suite of services across the merchant acquiring business and technology value chain.

Our services help clients:

• Venture into new geographies and markets as well as forge new partnerships: consulting, strategy and roadmap
• Gain understanding of the global payments business, products, and technology trends: payment thought leadership reports
• Build innovative merchant solutions for acquirers, retailers, networks, and PSPs.

Research and insights

Financial Services reports

Building Central Bank Digital Currency
Financial Services reports

How banks can thrive in an evolving payments environment
Report

Top trends in payments 2023
Point of view

Cloud-native credit decision systems in banking and cards
Capgemini Research Institute

A world in balance: Why sustainability ambition is not translating into action

capgemini-research-institute

Shaping the AI-enabled customer experience

Client Stories

Accelerating the cloud journey

Transforming data protection accelerates payment technology provider’s cloud journey.

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Return on innovation: Winning in invisible banking

How can wearable payments enable seamless experiences for resorts, gaming, and beyond with a fashion-forward approach?

Explore on frog.co

Digital customer experiences at scale by Entercard

Entercard partners with Capgemini to deliver seamless customer experiences through automated, data-driven journeys.

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Expert perspectives

Banking & capital markets

T+1 – A radical change to your global operating model

Benoit Julia
May 31, 2023
Banking & capital markets

Transitioning to T+1 Settlement

Anuj Agarwal
Feb 13, 2023
Banking & capital markets

BigTech into payments

Joost van Putten
Jun 15, 2022

Meet our experts

Jeroen Holscher

Jeroen Holscher

Expert in Banking, Cash management, Payments
Christophe Vergne

Christophe Vergne

Expert in Cards and Payments
Ravi Vikram

Ravi Vikram

Senior Director, Cards and Payments
Venugopal PSV

Venugopal PSV

Senior Director, Cards and Payments practice

    Partners

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