Capco's Banking and Payments Practice

Banking & Payments

New technologies, shifting consumer expectations, emerging competitors, and evolving regulations are reshaping the banking and payments industry.

At Capco, we help banks and payment providers manage costs, grow revenue, and drive innovation. Leveraging our global expertise in digital transformation, we enable you to deliver seamless customer experiences, optimize operations, and stay ahead in a rapidly changing market.

Retail Banking Commercial Banking Community Banking Mutuals, Credit Unions and Building Societies Non-Banking and FinTech Payments

Our expertise in Banking & Payments

Banks and payment providers face critical choices as they navigate disruption—from regulatory pressures to digital transformation. At Capco, we partner with you to develop strategies and operating models that drive success. We help you leverage emerging technologies to enhance resilience and efficiency and build a competitive edge in a fast-evolving financial ecosystem. We transform customer experiences with personalized, seamless interactions and optimize economic returns while managing risk and regulatory compliance.

Retail Banking

Consumers expect speed, convenience, and personalization in a digital-first world. We help you harness data analytics and innovative technology to create seamless omnichannel experiences, manage risk effectively, improve customer loyalty, and navigate regulatory complexities.

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Commercial Banking

Commercial banks are evolving to support business growth with tailored financial solutions, risk management tools, and advisory services. We drive digital transformation to enhance operational efficiency, client service, and competitive positioning.

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Community Banking

Community banks play a vital role in local economies. We help you embrace sustainable and responsible banking while leveraging technology to strengthen customer relationships and stay competitive with larger institutions.

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Mutuals, Credit Unions and Building Societies

Your member-first mission sets you apart. We help you modernize services and operations while maintaining your community-driven values – ensuring seamless digital experiences without compromising personal connections.

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Non-Banking and FinTech

Tech-driven disruptors are redefining financial services with speed, AI-driven personalization, and seamless transactions. We accelerate your digital transformation, helping you innovate, optimize security, and redefine customer experiences.

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Payments

The payments landscape is evolving fast, driven by changing consumer and business expectations. We help you modernize infrastructure, integrate digital payment solutions, and form strategic partnerships to stay ahead.

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Banking & Payments success stories

Banking and Payments

How Capco launched a new business for NatWest: Mettle

Capco partnered with Natwest to create a new breed of bank for businesses, Mettle, which is targeted at helping small and medium-sized businesses. Today, Mettle is live, with thousands of customers offering a service that goes beyond just banking - find out how in our case study.

How we built a digital bank for millennials

Capco Digital

How We Built A Digital Bank For Millennials

A major South American bank engaged Capco to launch a new digital bank aimed at its next target segment of customers. Capco managed the end-to-end consulting and delivery of the digital bank from system integration services, and enterprise platform development to testing, go-live readiness and post-go-live support.

Close up of network data flowing on black background.

AI & RPA

How Capco supported the design of an instant payment solution for a Swiss payment provider

Capco helped a Swiss payment provider design an instant payment solution to meet Swiss National Bank's new requirements. Capco's expertise in solution design, vendor selection, and AI-based compliance ensured a competitive and efficient centralized payment processing system.

Capco Digital

HOW CAPCO SUPPORTED POSTFINANCE WITH A NEW MOBILE RETAIL BANKING APP

Being the first financial service provider to launch a mobile banking app in Switzerland back in 2010, PostFinance is not stopping there and constantly improves their mobile services. See how Capco supported in this endeavour and how an agile approach led to a successful market launch.

Data and Technology Solutions

How Capco Built A Successful CDO For A Tier One Global Bank

Capco partnered with a tier one global bank to undergo a complex, multi-year programme within the Chief Data Office (CDO) which sucessfully addressed regulatory requirements, evolving market competition and new business demands.

How Capco Propelled A Commercial Bank's Re-Platforming Project Into Production

Capco Digital

HOW CAPCO PROPELLED A COMMERCIAL BANK'S RE-PLATFORMING PROJECT INTO PRODUCTION

A global commercial bank sought a partner to evaluate its current product suite and processes, recommend product management and distribution enhancements to move towards a modern, omnichannel, digital delivery strategy achieved via custom agile project management techniques.

Banking and Payments

HOW CAPCO IS DELIVERING THE LAUNCH OF A DIGITAL DE NOVO RETAIL BANK

Capco was the strategic partner and system integrator for a de novo digital retail bank as it prepared for a 2023 launch. Capco assisted the bank in end-to-end delivery from designing their Target Operating Model to Bank Launch Readiness.

HOW CAPCO SUPPORTED THE OFFSHORING OF DATA ACTIVITIES FOR A MAJOR SWISS PRIVATE BANK

By defining a risk-compliant IT framework for secure access and coding in the master data environment, establishing a dedicated operating model with predefined roles and responsibilities, and providing training for the FTEs, Capco supported a Swiss multinational private bank in its relocation activities to a European offshore location.

Success Story Deutsche Bank

HOW CAPCO IMPLEMENTED A SUCCESSFUL MUREX RELEASE UPGRADE AT A LEADING GERMAN BANK

In a tremendous shift, Interbank Offered Rates are expected to be replaced by Risk-Free-Rates. A leading German bank therefore needed to perform an MX.3 release upgrade to modernize the application system to be ready to support this transition. See how Capco ensured this implementation in three phases.

Latest Capco insights on Banking & Payments

Digital banking, open banking/API

Four risks banks can't ignore with PSR consent panel

Author:

Noora Haapajärvi, Evgeniya Komarova

Banking and Payments

Financial Data Access Regulation (FIDA): April 2025 Update

Author:

Wesselin Kruschev

customer service, digital transformation, retail banking, financial services, mobile technology, data analytics, AI technologies, personalized solutions, human touch, customer experience

Banking and Payments

Emotional Journeys: A Framework for Customer Service Improvements in Southeast Asian Banking

Author:

John Tiah, Saras Rehathi, Wui Yan Ng

ai-powered fraud detection, cross-border payments, transaction security, regulatory compliance, personal finance applications, instant payments, SEPA instant payments regulation, verification of payee (VOP), sanctions list checks, liquidity management, customer experience in payments, APIs in payments, digital currencies, central bank digital currencies (CBDCS), digital euro, virtual accounts, payment reconciliation, treasury management, european payments initiative (EPI), digital wallet, payment harmonization, real-time payment information, payment innovation

Banking and Payments

Key Trends for European Payments 2025

Author:

Maarten Somers & Lakshminarayanan Radhakrishnan

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