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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.

Customer-First Growth

Banks must embrace new ways to grow wallet share

Overcoming the Fraud Challenge with Technology and Collaboration

74% of Banks & Insurers experienced rise in cybercrime during the pandemic.

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Ecosystem-Enabled Transformation for Banks

Getting this ecosystem strategy right could be the difference between banks that succeed going forward and those that do not.

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Banks and Fintech Firms: The Symbiotic Relationship

What banks can learn from fintechs and vice versa.

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How financial institutions bridge the martech gap with bigtech

Improve customer-centricity.

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World Retail Banking Report 2022

The customer engagement imperative: What banks can learn from the FinTech playbook.

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What we do

Achieve high-velocity marketing, and enhance your marketing performance.

With our connected marketing for financial services solutions, we help you achieve high-velocity marketing, and enhance your marketing performance, by building adaptive and agile operating models, acting on data-driven insights, and establishing a resilient, scalable technology platform.

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.

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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

Assemble the bank you want

Grow and evolve with the changing market.

Research and insights

Point of view

Turning the unbanked and underbanked into profitable customers
Point of view

Investing in trust: Sustainability strategies for retail banks

capgemini-invent
Point of view

Accelerating growth: How banks can fast track customer personalization
Point of view

Providing world-leading Finserve support through digital transformation

Meet our experts

Liv Fiksdahl

Liv Fiksdahl

Vice President, Banking & Insurance
Liv has more then 30 years of experience from the Banking industry. She has had executive roles, and has experience from the whole valuechain within the sector. As an expert she cover both, retail, corporate and the payments area. She has a strong track record when it comes to doing IT turnarounds, setting up new organisations and running large tranformation programs.
Thierry Morin

Thierry Morin

Director, Banking & Insurance, Payments & Digital ID solutions
Thierry has more than 13 years of experience in management consulting and in financial services, supporting global financial players on large scale business and digital transformation programs, strategic analysis, and operating models review. He is leading the Capgemini Invent’s payments and digital ID team. As a payment expert, Thierry is helping Capgemini’s global clients to navigate through the rapid evolution of the payments industry, and to redesign payment strategies and services to remain at the forefront of this transformation.
Cecilie Vatn

Cecilie Vatn

Director, Banking & Insurance, Digital transformation & Solutions, Customer experience
Cecilie has 14 years of experience in the banking and Insurance sector where she has worked in the intersection between business and technology. Her key competences can be summarized by Insurance, customer experiance, digital optimization, governance, process optimization and change management.
Espen Stokke

Espen Stokke

Director, Banking & Insurance, Retail banking
Espen has 18 years of experience from the banking industry, both from various positions in Norway’s largest bank and as management consultant. His main areas of expertise are digital transformation/IT implementation projects, retail banking, customer experience, and payments
Marianne Moe-Helgesen

Marianne Moe-Helgesen

Director, Banking & Insurance, Digital transfomation, agile
Marianne has more than 15 years of experience from the insurance industry. Passionate about digital business transformation and agile ways of working. Experienced leader with strong technical background and understanding.
Christina Heskestad Pedersen

Christina Heskestad Pedersen

Director, Banking & Insurance, Compliance and AML Specialist
Christina has more than 16 years experience from the Banking sector. She has a special interest and expertice within Compliance, AML and anti-fraud-solutions, from overall strategic framework and governance – to operational optimization of routines and processes.

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