Banking

Opportunities abound for banks to transform

Solution details
Capco offers clear strategic direction and real implementation capabilities. We design holistic solutions that create faster, more effective and more efficient environments for our clients. Our proven solutions in banking include:

Payments

  • Payments strategy and transformation
  • Interactive customer management
  • Core payment processing and re-architecture
  • Fraud, risk and identity management

Lending

  • Default management/loss mitigation
  • Operating model/core lending systems
  • Imaging and digitization
  • E-commerce solutions
  • Portfolio risk management
  • Surveillance of third-party lending

Retail/commercial banking

  • Sales and service transformation
  • Operating model/core deposit systems
  • Imaging and digitization
  • E-commerce solutions
  • Branch transformation/bank launch

Multichannel marketing and distribution

  • Business and technology strategy
  • Target operating model/operational excellence
  • Program/project management
  • Merger integration and value realization
  • Information and data management

Helping clients succeed
We help banks focus on revenue replacement, innovation, customer service and new markets. Specific projects include:

  • Assisting a super-regional U.S. bank with the acquisition and integration of a consumer and small business card portfolio tied to a branch purchase. Work includes conversion to a new processing platform, launch of new products and establishment of a new operating model. Capco is leading all aspects of the project, including strategy, product development, distribution, operational support, process design, architecture, interfaces, testing and conversion.
     
  • Helping a client build a new bank and convert a set of key customers as part of a larger bank sale. Capco is providing program leadership and governance, including leading workstreams for operational day 1 definition and launch/readiness as well as leading the overall technology delivery components, including architecture, infrastructure and quality assurance.
     
  • Managing the conversion of millions of debit card accounts to help a super-regional U.S. bank, in its response to the Durbin Amendment, outsource its debit card processing while also beginning to self-issue. In addition, Capco is defining business requirements for the credit card program and will support a large credit card launch and conversion.
     
  • Designing and launching a new ultra-high-net-worth business for a top 10 U.S. bank from the ground up. Capco is building a business launch plan, with a business and technology road map, leveraging existing infrastructure where appropriate.
     
  • Designing and implementing a common, aligned, integrated IT infrastructure across a multi-regional European retail bank. Capco is helping the bank build a consolidated organizational structure to create more transparency and better governance across core IT functions.
     
  • Developing an IT strategy and designing the IT architecture for a new challenger bank in the U.K. Capco designed an architectural blueprint and transformation plan; developed an implementation and migration road map; built a utility model and cost model; and design and implemented an IT governance model to help the client develop a new banking infrastructure.
     
  • Managing a large post-merger integration program and complex data migration of 30 million accounts for a leading U.K. bank. Capco facilitated workshops, developed a migration and implementation strategy, and planned and managed the integration of customers from two acquired banks onto a single banking platform.
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  • Designing and implementing a new sales and service business architecture and platform for a top five U.S. bank.
     
  • Moving geographically dispersed centers to a shared utility model to achieve multimillion-dollar savings for a large lending organization.
     
  • Streamlining loan processing for a North American bank to incorporate dynamic web forms and automate document creation, tracking and linking
     
  • Implementing U.K.’s first Internet-only credit card by deploying key functionality to a wide range of channels across the complete product range

Competitive pressures, globalization and regulatory changes make for a complex, dynamic environment that offers tremendous opportunities for banks. We know how to help banks develop their products and services to optimize the client experience across multiple channels to retain customers and attract new ones.