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
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.
HCLTech enhanced the client’s customer experience delivery capabilities through like-to-like contact center migration
Explore how HCLTech enabled a leading US-based financial institution with the Virtual Account Management (VAM) solution to streamline their account structures.
A leading financial institution was focused on bringing transparency to its Scope 3 ESG reporting to reduce carbon emissions by 2030
Achieved case management agility and improved credit performance with automation
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
At HCLTech’s booth at Sibos 2025, we explored what truly seamless cross-border experiences require, why AI must be embedded and how banks, regulators and partners can move in step
In discussion with Pega on the autonomous future of payments
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
ISG assessed 46 companies in its ISG Provider Lens™ Global Capability Center (GCC) Services 2025 study and has recognized HCLTech as a Leader.
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.
What it means for consumers, banks and FinTech
A new plug and play transformation approach to accelerate the delivery of hyper-personalized client journeys
At a panel discussion hosted by AWS and HCLTech, four financial services leaders discussed the impact, risk and potential of GenAI on the industry
ET Edge and HCLTech jointly feature Ruchika Panesar (NatWest), Sangeeta Gupta (NASSCOM), and Payal Aggarwal (HCLTech) to discuss the future of GCCs
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
Learn why, how and how not to do it to mitigate risks effectively.
Explore how rapid technological changes impact financial services and managing technical debt.
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.
Partner with us.
Accelerate your journey to digital transformation.
Find what inspires and drives you
Frequently Asked Questions about Banking Technology
At HCLTech, we take a holistic approach to banking services transformation by aligning operating models, leveraging the latest AI and data analytics and embracing industry cloud strategies. We partner closely with banks to modernize operations, drive innovation and deliver sustainable value, ensuring our clients stay ahead in a fast-changing environment.
We offer a comprehensive range of digital banking solutions, from digital onboarding and omnichannel engagement to payments modernization and API-enabled integration. Our approach leverages the latest technology to deliver secure, personalized and unified digital experiences that help banks accelerate their digital transformation and exceed client expectations.
We focus on creating seamless, engaging experiences across every channel. By harnessing advanced analytics, personalized CRM platforms and AI-powered solutions, we help banks deepen client relationships, simplify interactions and deliver hyper-personalized services, turning every touchpoint into an opportunity for connection and loyalty.
AI and automation are at the heart of our banking technology solutions. We blend traditional AI, GenAI and intelligent automation to boost operational efficiency, reduce risk and uncover valuable insights, enabling banks to drive business agility, personalize experiences and innovate confidently in an evolving marketplace.
Yes, automation is a key lever we use to help clients achieve significant cost reductions. By automating repetitive processes, optimizing workflows and leveraging intelligent analytics, we drive efficiency gains, free up resources for strategic initiatives and improve both productivity and service quality across banking operations.
Absolutely. We bring deep industry knowledge to retail and corporate banking transformation. Whether it's optimizing consumer lending, modernizing transaction banking, or improving customer engagement, we tailor our solutions to each client’s needs, enabling future-ready operating models, advanced digital experiences and enhanced operational efficiency across all banking segments.
Yes, seamless integration with core banking platforms is a cornerstone of our banking IT solutions. We use proven frameworks and modern API strategies to connect new digital capabilities with existing systems, ensuring stability, agility and scalability while supporting rapid innovation and compliance for our banking clients.
At HCLTech, security and compliance are built into every solution. We rigorously adhere to global banking regulations and industry best practices, implementing robust data protection, risk management and continuous monitoring. Our proactive approach ensures our clients’ operations remain secure and compliant as they evolve.
We specialize in transforming legacy systems by adopting cloud native architectures, integrating modular services and leveraging automation for migration and operation. Our proven process minimizes disruption, boosts operational resilience and sets the foundation for agile, scalable and innovative banking services tailored to today’s needs.
Our banking technology platforms are designed for scalability from day one. By utilizing cloud native, modular architectures and standardized APIs, we enable banks to dynamically scale resources, launch new services quickly and flexibly adapt to market changes to ensure reliable performance through periods of growth and transformation.
