Shaping the Next Era of Financial Services with AI at the Core
In financial services, transformation isn’t optional—it’s a constant imperative. Institutions are navigating rising customer expectations, evolving risks, shifting regulations and the need to modernize legacy systems. To lead in this environment, they must embed AI-native intelligence into their operating models.
We combine deep financial services expertise with our AI Force — a powerful fusion of GenAI, cloud native architectures and data-centric engineering to reimagine how institutions operate, engage and grow.
We go beyond digital solutions to deliver truly AI-intrinsic, digital transformation. Our approach enables intelligent operations, hyper-personalized experiences and autonomous human journeys across banking, capital markets, insurance and fintech.
With a strong partner ecosystem, industry-aligned platforms and engineering-led precision, we empower institutions to manage risk, meet regulatory compliance and build what’s next—with speed, scale and trust.
Full Spectrum of HCLTech Financial Services
Explore our vertical-led financial services segments to build a stable, scalable and secure financial system.
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Testimonials
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Why HCLTech Financial Services?
HCLTech is a strategic partner of leading banks and other financial institutions. Our collaboration with clients is built upon long-standing relationships with a focus on common goals and shared success. We strive to empower clients with transformative technology to meet their business imperatives, access a large pool of talent, proprietary data and tools and gain essential digital capabilities to stay ahead in the rapidly evolving digital landscapes.
Of the top retail banks in each geography are our clients
Of the top 10 global investment banks are our clients
Of the top 10 life and P&C insurance carriers globally are our clients
Of the top 25 global fintech firms are our clients
Pillars of Financial Services Transformation
Harness the technology to accelerate business transformation and capitalize on new emerging market opportunities.
Elevate customer experience through leveraging transformative technologies. At the core, it involves using innovations in digital engineering, cloud-native platforms and data analytics to identify the needs of customers and offer solutions to deliver better experiences.
- Model end-to-end customer journeys, manage portfolio segmentation and enhance targeting by using AI-enabled tools and data lakes
- Leverage BaaS platforms and SaaS applications to accelerate the time-to-market of launching new products and enable pay-per-use and banking-as-a-service models for your customers
- Draw from the ecosystem of interconnected apps using open banking APIs to simplify financial services systems for your customers and drive greater value
- Create flexible and secure IT environments to power up digital strategies by maximizing cloud adoption and agile financial systems and that allow experimentation with new projects
Apply a full set of technology levers across the enterprise. Building on the strengths of “verticalized infrastructure” services and platforms that cut through AI/ML, robotic process automation (RPA) and related digital enablers, we help financial services firms thrive on efficiency and resilience.
- Leverage machine learning models and AI-driven engines to automate repetitive processes and remove manual interventions to achieve speed and accuracy
- Enable prescriptive and predictive analytics for contextual banking that allow the use of tailored financial insights to make smart decisions across all value chains
- Utilize RPA to incorporate bot technology to infuse automation in front, middle and back-office processes to enable “zero touch operations”
- Ensure transparent, secure transactions, from streamlined cross-border payments to efficient supply chain financing to reduce fraud and enhance traceability
Create differentiated solutions and drive modernization. With an industry-led approach and partnership-driven platform strategy, we pave the way for accelerated speed-to-solutions and drive digital progress for banking and other financial services institutions.
- Enable on-premises and cloud-based core modernization to get advanced IT capabilities, nimble systems and agile business practices
- API-led digital integration to reduce the development time and achieve productivity gains with reusable assets
- Deploy automated financial systems to streamline trade execution, enhance efficiency and minimize servicing expenses
- Use efficiency engineering practices to create “future fit solution” and successfully and expediently execute transformation projects
Explore Our Latest Insights into the Financial Services Landscape
For this study, 36 companies that utilize advanced technologies to streamline the financial close process, enhance compliance and provide real-time analytics were assessed, and HCLTech has been recognized as a Leader.
Beyond reporting, data is now viewed as a catalyst for innovation in financial services, but ensuring data quality remains a challenge
Understanding the risks and rewards of connected financial system through Open Finance
Adapting to 2025's challenges and opportunities
HCLTech partners with leading financial institution to modernize their fundraising application.
HCLTech helped a leading bank in reducing testing time, enhancing efficiency and accelerating time to market
Achieved 85% faster resolution and 10% fewer incidents with streamlined processes
At a panel discussion hosted by AWS and HCLTech, four financial services leaders discussed the impact, risk and potential of GenAI on the industry
Financial services organizations are embracing Total Experience strategies, with a particular focus on improving employee experience to deliver better services across the value chain
In the Intersection of technology and banking, GenAI is steadily asserting its dominance, fundamentally reshaping the entire financial services ecosystem
Celebrating women in technology, leadership and sports at HCLTech’s Amsterdam office, with insights on GenAI, mental health and the importance of DEI in the workplace
IT services play a crucial role in driving the security, scalability and innovation of bank and fintech partnerships
Agentic AI is a fully autonomous system that automates complex tasks and enhances human decision-making
Watch Greg Chandler, VP, Information Technology, The Standard, discuss digital transformation, the rise of GenAI adoption and the best practices for ensuring customer-centric service delivery in the Insurance industry.
Supercharging CX in the financial services with Metaverse
Explore how rapid technological changes impact financial services and managing technical debt.
Featured Insights
The evolution of merchant solutions
Deutsche Bank on the future of trust, speed and intelligence for autonomous payments
Creating value together through strategic partnerships
Insights from Bouke Hoving, ING and Sudip Lahiri, HCLTech as they explore how banks can unlock trust, innovation and value in the era of intelligent transformation
Role of FinOps in the digital transformation of financial institutions
Watch Sudip Lahiri, Executive Vice President and Head of Europe at HCLTech, explaining the critical role of FinOps in achieving digital success.
Meet Our Ecosystem Partners
Ignite Transformation. Spark Innovation. Partner with HCLTech.
Navigate the financial services transformation journey with us.
Frequently Asked Questions about Financial Services
Our approach is pragmatic and client-centric. We focus on long-term partnerships, tailored solutions and a deep understanding of the financial services landscape.
We modernize legacy financial systems by leveraging cloud migration, API integration, microservices and automation. HCLTech’s approach minimizes disruption, enhances interoperability and ensures regulatory compliance, allowing clients to benefit from modern digital capabilities while protecting existing investments and business continuity.
HCLTech offers a comprehensive suite of financial IT services, including core banking modernization, insurance technology, capital markets solutions, fintech innovations and risk management and compliance platforms. Our solutions are designed to help clients achieve digital transformation in the financial services industry with security, scalability and efficiency.
We provide comprehensive support for regulatory compliance through automated monitoring, reporting tools and industry-specific frameworks. HCLTech’s solutions are continually updated to reflect evolving standards, helping clients manage complex requirements efficiently and reduce the risk of non-compliance in a dynamic regulatory environment.
Yes, we specialize in secure cloud migration tailored for the financial services industry. HCLTech applies proven frameworks, rigorous security protocols and compliance best practices to ensure clients achieve seamless, risk-mitigated transitions to the cloud, unlocking scalability and innovation without compromising data integrity.
Adopting AI in the financial industry involves challenges such as data quality, regulatory compliance, integration with legacy systems and change management. At HCLTech, we help clients navigate these complexities with proven frameworks, robust governance and deep domain expertise, ensuring AI delivers real business value responsibly.
At HCLTech, we guide clients through every stage of their financial transformation journeys by integrating advanced technologies like cloud, AI and automation with industry best practices. Our finance transformation consulting ensures solutions are tailored to each client’s goals, driving efficiency, innovation and resilience across their operations.
Finance transformation delivers measurable benefits, including streamlined processes, improved decision-making, enhanced compliance and greater agility. At HCLTech, we help clients unlock cost efficiencies, reduce risk and create scalable, future-ready financial systems that adapt to evolving market demands and regulatory requirements.
At HCLTech, we deploy advanced analytics, AI-driven monitoring and real-time data processing to detect and mitigate risk and fraud instantly. Our cybersecurity financial services help clients proactively identify threats, comply with regulations and maintain trust, ensuring their operations remain secure and resilient.
Data security can be ensured with a multilayered approach, including encryption, secure access controls, continuous monitoring and compliance with global standards. HCLTech’s cybersecurity experts work closely with clients to identify vulnerabilities and implement robust protection, safeguarding sensitive financial data at every stage.’
Absolutely. We design unified digital experiences by integrating channels, automating workflows and personalizing services. HCLTech’s expertise in digital transformation in the financial services industry enables clients to deliver consistent, engaging interactions across platforms, strengthening client relationships and driving loyalty in a competitive market.