// . // Financial Services // Retail and Business Banking

What We Do

We work with the world’s leading banks, credit institutions, payment companies and investment firms to keep pace with evolving digital transformation, regulations, and the changing needs of retail and business banking customers.

Globally, our team is dedicated to creating impact for our clients and to help them confront their biggest challenges—both today and for the future. Our highly collaborative team works with your business to solve the new challenges, meet evolving customer needs, reduce cost, increase top-line revenue, mitigate risk and both design and implement business strategies.

NEW BUSINESS CREATION

We help banks accelerate in a new era of growth and innovation through advanced data and analytics, new ways of working, and a modular platform of digital, cloud-native technologies. Through digital neo-banks or Greenfield digital bank designs, business can blend a wealth of resources, funding, and data with greater speed, agility and innovation.

STRATEGIC BUSINESS TRANSFORMATION

We help transform organizations from “front” to “back.” Our CUSTOMERFirst capabilities can be rolled out and scaled across the entire organization, helping to build solutions that harness the power of data, and transform the financial and operating model to meet and adjust to changing customer needs.

PAYMENTS

We drive impact for our clients in payments through our deep expertise working with banks, merchants, networks, fintechs, processors, and investors. We help our clients to define and implement competitively differentiated payments strategies and digital transformation.

DEPOSITS

We help banks approach customer segments with more tailored pricing strategies to significantly improve their deposit value management and to capture large growth opportunities. Our solutions leverage advanced analytics and machine learning to optimize growth, margin, and liquidity value. This includes reshaping branch services, designing pricing products for checking and savings accounts, as well as developing sales strategies and building strong customer relationships.

MORTGAGES

We help our clients to build effective and strategic mortgage offerings to stay competitive with the ongoing pace of change. Our team is comprised of mortgage specialists and we offer a range of broad capabilities, including developing models for efficient mortgage servicing; designing analytics for customer retention and recapture; and developing growth strategies and mortgage partnerships.

SMALL BUSINESS

We help our banking and fintech clients to pursue high-value relationships with small businesses, use the best elements of fintech technology, and design client-centric product offerings that are priced for value. Our services include helping banking clients to mitigate risk and promote fairness in lending programs such as the Paycheck Protection Program (PPP) and the Main Street Lending Program.

What We Think

Would You Like Better Banking With That Latte?

How major brands can use banking for competitive advantage.

Beyond Overdraft

A path to replacing unsustainable revenue.

Digital Trust

How Banks Can Secure Our Digital Identity.

Time To Engage

Digital assets for the banking c-suite.

10 THEMES FOR EUROPEAN RETAIL BANKING IN 2023

Where Will Europe's Retail Banks Focus In 2023?

The Rise Of Banking As A Service

Banking-as-a-service, or BaaS, is a great opportunity for existing banks, insurers, and wealth managers to reach a greater number of customers at a lower cost by teaming up with non-financial businesses.

Ready To Lead

European Banking Outlook.

A Credit Renaissance

As economies start to recover from the COVID-19 crisis and begin to deal with its aftermath, banks are facing a renewing storm of competitive, financial, and structural changes. Both globally and regionally, we think the industry has reached a tipping point which will dictate a new wave of credit-capability building that we call the “credit renaissance”.

Digital Banking

The time is ripe, don’t spoil the opportunity.

Who We Are

Global Retail And Business Banking Management Team