Banking consulting services help financial institutions modernize technology, improve operations and accelerate digital transformation. They typically cover core banking modernization, AI and automation, payments infrastructure, cloud migration, regulatory compliance and customer experience. HCLTech delivers end-to-end banking consulting across retail and corporate banking segments globally.

Yes. Seamless integration with core banking platforms is central to our approach. We use proven frameworks and modern API strategies to connect new digital capabilities with existing systems, including platforms like Temenos, ensuring stability, agility and scalability while supporting rapid innovation and regulatory compliance for our banking clients.

We specialize in transforming legacy systems by adopting cloud-native architectures, integrating modular services and leveraging automation for migration. Our phased approach minimizes disruption, boosts operational resilience and sets the foundation for agile, scalable banking services — ensuring business continuity throughout the transformation journey.

Security and compliance are built into every solution we deliver. We adhere to global banking regulations and industry best practices, implementing robust data protection, risk management and continuous monitoring. Our proactive approach, including financial crime prevention capabilities, ensures clients remain secure and compliant as they evolve.

We blend traditional AI, generative AI and intelligent automation to boost operational efficiency, reduce risk and personalize customer experiences. Our AI capabilities are strategically scaled across banking operations — from AI-driven insights and fraud detection to automated KYC and hyper-personalized customer engagement, helping banks move from pilots to production at scale.

Our retail banking IT solutions span digital and open banking, payments modernization, core banking transformation, consumer lending and mortgages, omnichannel CRM and transaction banking. Each solution is designed to reduce time-to-market, improve customer experience and drive operational efficiency across the full retail banking value chain.

Our banking clients have achieved outcomes including a 50%+ reduction in impaired assets for a leading European bank, improved time-to-market through virtual account management for a US financial institution and end-to-end digital transformation for ING Italia, enabling a stable, compliant and resilient operating ecosystem.