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.
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.
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.
Consumer 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.
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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
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.
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.
Explore Transformations Achieved with Retail Banking Solutions
Learn how HCLTech is helping clients realize the potential of technology to achieve their business goals.
We transformed delivery capabilities for a leading European bank
Explore how we simplified the contact center user experience.
Improving time-to-market for a leading corporate bank by leveraging virtual accounts
HCLTech streamlined transaction processing and simplified reconciliation for a leading bank.
Transforming ESG reporting for a global financial services company to drive a sustainable future
Driving 40% improvement in the observability of ESG parameters with HCLTech’s digital solutions for a leading financial institution.
Leading European bank reduced impaired assets by more than 50%
HCLTech implemented IAM solutions to achieve case management agility and improve credit performance as a strategic partner for the bank.
Enterprise-wide KYC transformation for improved regulatory compliance
Learn how a leading European bank transformed their KYC platform to improve regulatory compliance.
Taking a cognitive leap forward in banking
Explore how the banking industry is setting a path to a cognitive, AI-led and personalized future.
Insights
HCLTech positioned as Leader in ISG Provider Lens™ Global Capability Center (GCC) Services 2025
ISG assessed 46 companies in its ISG Provider Lens™ Global Capability Center (GCC) Services 2025 study and has recognized HCLTech as a Leader.
HCLTech helps Banco do Brasil re-invent customer-centricity in the cloud
Banking customers have a new baseline expectation in the post-pandemic era: Their banking partners must provide innovative, convenient and personalized interaction for services, products and engagement.HCLTech helps Banco do Brasil re-invent customer-centricity in the cloud
Automate your KYC process in 10 easy steps
Automating the identification and verification process of the KYC not only improves efficiency and accuracy but also enhances the CX by enabling a quicker and smoother onboarding process.
Personal Financial Data Rights in the US: Open Banking is finally here!
What it means for consumers, banks and FinTech
We are at Temenos Community Forum 2025
Understand how banks leverage smart options to suit their specific digital touchpoints transformation strategy. Engage with a great panel of leaders across Temenos, leading European banks and HCLTech.
Composable banking: Raising the bar for banks
A new plug and play transformation approach to accelerate the delivery of hyper-personalized client journeys
GenAI's impact on financial services: Unknown risks and rewards on the horizon
At a panel discussion hosted by AWS and HCLTech, four financial services leaders discussed the impact, risk and potential of GenAI on the industry
Legacy modernization: Why, how and how not to do it
Learn why, how and how not to do it to mitigate risks effectively.
Technical debt remediation challenges: The way forward
Explore how rapid technological changes impact financial services and managing technical debt.
The Strategic Guide to Mortgage Automation Excellence
Explore our whitepaper to transform your mortgage operations using Intelligent Automation (IA). Access strategies, best practices and insights to scale efficiency, reduce costs and enhance compliance.
Recognized by Leading Analysts
Uncover HCLTech’s banking capabilities through the lens of industry analysts and technology experts.
HCLTech positioned as a Leader in Everest Group Payments IT Services PEAK Matrix® Assessment, 2023
HCLTech positioned as a Leader in Avasant Banking Process Transformation 2023 RadarView
HCLTech positioned as a Leader and Star Performer in Everest Group’s Open Finance IT Services PEAK Matrix® Assessment 2022
HCLTech positioned as a Leader in Everest PEAK Matrix® Banking Operations 2022, Worldwide
