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

    Download the report

    Temenos delivery partner of the year

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

    Read more

    Retail banking top trends 2024

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

    Learn more

      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?

      Read more
      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.

      Read more
      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?

        Read more

        Contact center transformation

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

        Read more

        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 ?

        Read more

        Core banking

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

        Read more

          Research and insights

          Point of view

          Ramping up customer experience (CX) – from interaction to engagement
          Point of view

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

          Shaping the AI-enabled customer experience
          Report

          Modernizing offer management systems to win the battle for growth
          Report

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

          capgemini-research-institute
          Capgemini Research Institute

          Generative AI and the evolving role of marketing: A CMO's playbook

          capgemini-research-institute

          Client stories

          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

          Read more

            BNP Paribas: Inventing tomorrow's bank through innovation

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

            Read more

              Unleashing the potential of omnichannel service: a real-world case

              Discover how a leading Financial Services firm revolutionized their customer experience with next-gen technology.

              Read more

                Expert perspectives

                Customer experience

                Enhancing contact center performance through effective workforce management

                Vinay Patel
                Business operations, Innovation, Technology

                Embedded finance: unlocking the $500Bn opportunity

                Gareth Wilson
                Customer experience, Data and AI

                Empowering agents: How generative AI supports contact center agents in banking

                Vinay Patel

                Meet our experts

                Nilesh Vaidya

                Nilesh Vaidya

                Global Head of Banking and Capital Markets practice
                Carlos Salta

                Carlos Salta

                EVP, Head of Banking and Capital Markets Practice
                Gaurav Sophat

                Gaurav Sophat

                Expert in Banking, Financial Services, Insurance
                Gareth Wilson

                Gareth Wilson

                Executive Vice President – Head of UK Banking and Capital Markets

                  Partners

                  Join the conversation on LinkedIn

                  Connect with our experts and read the latest industry insights on our dedicated LinkedIn page

                  Follow our page