Overview
Making Banks Future-ready
Turn your high-street banking and financial institutions into future-ready fintech enterprises, just like your customers expect. As your transformation partner, we enable you to proactively build for what’s coming next. We 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: Enable scale AI, a combination of traditional AI and generative AI, to deliver new experiences and offer AI-driven insights for business agility
- Industry cloud: 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 drive personalization with data insights
- Sustainability: A set of offerings, solutions and partnerships uniquely crafted for banks to drive decarbonization of existing portfolios
Leveraging new and notable technologies, innovations and efficiency-led approaches for retail and corporate banking, we support your business transformation and supercharge progress.
Analyst Recognitions
Recognized by Leading Analysts
See why industry analysts and technology experts recognize HCLTech as a retail banking leader.
HCLTech positioned as a Leader and Star Performer in Everest Group’s Open Finance IT Services PEAK Matrix® Assessment 2022
Learn moreHCLTech positioned as a Leader in Everest PEAK Matrix® Banking Operations 2022, Worldwide
Learn moreHCL Technologies Named Gartner® Magic Quadrant™ 2022 Leader for 2nd Consecutive Year
Learn moreSolutions
Explore Our Retail and Commercial Banking Solutions
Leverage our transformative capabilities to supercharge your retail and commercial banking operations.
Digital and open banking
Delivering on the promise of seamless and engaging digital experiences with the right digital banking products and services while tapping into the ecosystem of partners to deliver continued innovation
Cards and payments
Manage your dynamic and global payments landscape through our composable solution and digital payments technologies to deliver a connected experience across the payments value chain
Core banking
Modernizing core platforms for highly efficient operations with a customer-first 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
Commercial lending
End-to-end transformation of the commercial lending value chain for greater efficiency, enhanced risk management and improved customer experience
Channels and CRM
Enabling customer access to banking services anytime, anywhere, any channel, any device for hyper-personalization and greater customer engagement
Cash and liquidity management
Drive continued growth with enhanced visibility and control over your cash and liquidity management processes
Trade and supply chain finance
Leverage robust platform and new-age technologies that facilitate seamless transactions and faster turnaround time with higher efficiency to provide easier access to credit and markets
Financial crime compliance and risk
Leverage technology to get deeper insights into strategic and operational aspects of banking to fight financial crime and remain compliant while improving operational efficiency
Partner Perspectives
Hear from our customers 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 supercharge 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 customer expectations with contextual, banking-forward solutions. With our co-innovation centers, engineering mindset and product-centric approach, we help you future-proof, evolve and take charge of tomorrow.
Accelerate Your Digital Transformation
Pull the right levers and shift into high-gear with our retail and corporate banking accelerators.
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.
Enterprise-wide KYC transformation for improved regulatory compliance
Learn how a leading European bank transformed their KYC platform to improve regulatory compliance.
Read the case studyCase Studies
Explore Transformations Achieved with Retail Banking Solutions
See exactly how we help financial institutions like yours transform through customer-first technology solutions.
Insights and Events
Careers
Find your future with HCLTech
Find your spark by working with the best. At HCLTech, you'll get a chance to work with some of the world's largest banks.
Contact us