Retail and Corporate Banking Solutions

Navigating the Cloudscape for Erste Digital

Overview

Making Banks Future-Ready

Building the bank of the future requires a strategic focus on developing new value propositions founded on transformative technologies. Banks need to develop advanced capabilities that cut across layers of operations, compliance, customer expectations and market disruptions. We partner with banks to enable:

Operating model transformation: Product-aligned operating models to drive alignment between business and IT across the customer value chain for highly agile delivery models
AI: A combination of traditional AI and generative AI strategically scaled to deliver new experiences and offer AI-driven insights for business agility
Industry cloud: A range of cloud strategy and consulting offerings to assist banks in embracing continuous cloud modernization and driving transformation at scale
Data analytics: End-to-end data analytics capabilities to increase operational efficiency and enhance personalization with data insights

As organizations get ready to ride the next wave of disruption, HCLTech’s banking capabilities are uniquely positioned to help our clients navigate the evolving digital landscape.

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Solutions

Explore Our Retail and Commercial Banking Solutions

Capitalize on our transformative capabilities to drive innovation and set the stage for growth.

Digital and open banking

Drive seamless and engaging digital experiences with digital banking products and services, while tapping into the partner ecosystem.

Cards and payments

Manage the dynamic and global payments landscape through composable solutions and digital payment technologies to deliver a connected experience across the payment value chain.

Core banking

Modernize core platforms for streamlined operations with an efficiency-led approach, reducing the time-to-market for new products.

Lending and mortgages

Optimize loan management and improve underwriting processes to reduce turnaround time and drive growth and customer satisfaction.

Channels and CRM

Enable access to banking services anytime, anywhere and from any device for hyper-personalization and greater customer engagement.

Transaction banking

Enhance corporate banking with digital strategies for improved visibility and efficiency, ensuring a future-ready banking experience with tailored transformation solutions.

Testimonials

Hear from our clients and partners.

Our partnership with HCLTech has supercharged our ability to digitize our business, as well as enabled us to drive agility and improve digital experience for our customers. The end-to-end transformation has enhanced our capabilities to operate in a stable, compliant and resilient ecosystem.

Damiano Zanisi

Chief Information Officer | ING Italia

HCLTech is a partner of choice for NatWest for leading digital transformation initiatives. We partnered with HCLTech to drive forward NatWest’s strategy of becoming a relationship Bank for the Digital World, to support us in the delivery of our Retail Banking digital customer journeys. HCLTech has been instrumental in bringing in strong technical competence to accelerate the progress of our strategic digital propositions and has delivered immense value to our customers & wider stakeholders through successful deliveries within the EveryDay Banking domain.

Shalini Arora

Director, Everyday Banking at NatWest Group

The collaboration between HCLTech and Pega creates a terrific combination of technological expertise and innovative solutions to supercharge remarkable business transformation for our clients.

Alan Trefler

Founder & CEO | Pegasystems, Inc.

HCLTech has been a great partner in our digital work. Our teams have worked collaboratively and innovatively to accelerate the delivery of our amazing digital mortgage buying experience.

Wendy Redshaw

Chief Digital Information Officer | Retail Banking | NatWest Group

Our partnership with HCLTech has enabled us to bring the best of technology and people together and supercharge our progress towards our goal of building the bank of the future.

Linda Da Silva

Chief Information Officer | ING Australia

Future-Forward Innovation with Connected Labs

Powering Payments

We enable financial services institutions to leverage cutting-edge technology — typically relegated to the fintech world — to build better payment experiences and accelerate growth. Our payments framework is uniquely positioned to support financial institutions in addressing complex payment processing. The framework is designed to deliver a superior payment experience across the payments and cards ecosystem, achieved through initiatives such as payments transformation, payments observability, global payments gateways and more.

We navigate evolving scenarios and client expectations with contextual and banking-forward solutions. With our co-innovation centers, engineering mindset and product-centric approach, we help banks evolve and take charge of tomorrow.

Future-Forward Innovation with Connected Labs

Accelerate Your Digital Transformation

Our transformative technologies create value and shared success for a sustainable future.

Co-innovation labs

Adopt emerging technologies and extract the best value out of your digital banking solutions with a partner committed to customers and business alignment.

Composable banking

Use cloud-native technologies and business services to evaluate and test innovation solutions in a sandbox environment to speed up and scale your retail and corporate banking digital transformation.

API hub

Offer multi-bank cash and liquidity — as well as value-added solutions — to your corporate customers using a single, standardized API that aggregates data across diverse multi-bank APIs.

Payments

Accelerate payment model implementation, support regulatory compliance and speed up modernization by reducing payment complexity — all using our modularized framework.

Unica

Access precision marketing at scale with a cloud-native, fully integrated enterprise marketing automation platform to orchestrate personalized omnichannel engagements.

Power Banking

Leverage the Microsoft technology stack to accelerate CRM implementation with our custom banking solution, designed to enable seamless onboarding and enhanced productivity.

Environmental, social and governance (ESG)

Expand into new markets and embrace sustainable, ethical practices with ESG banking solutions to develop, test and measure your ESG-centric capabilities.

Case Studies