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Retail & commercial banking

Credera empowers banks with technnology transformation strategies, new digital solutions, and data-driven insights to enhance efficiency and improve customer experiences.

Why it Matters

Accelerated growth and maximized efficiency.

To be successful, banks need the strategic combination of cutting-edge technology expertise with a deep understanding of industry intricacies and challenges. Banks need partners that can deliver insightful guidance, leverage technology advances such as artificial intelligence (AI) and machine learning (ML), help optimize processes within regulated frameworks, and demonstrate superior delivery capabilities.

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Offer integrated banking experience

Banks are struggling to manage legacy technical debt and regulatory change. There is a need for much more effective digital transformation covering critical legacy upgrades, data modernization, scaling with cloud, and practical integration of emerging capabilities from AI/ML. 

< 30% 

of banks are realizing their digital strategy objectives through current transformation initiatives.

Approach to data

Increasingly sophisticated cyber threats combined with more stringent regulations for privacy, data controls, and breach disclosure make security and compliance a significant challenge. Banks require advanced real-time threat intelligence, robust identity controls, and stronger data analytics and management capabilities.  

  • Ensure protection for customer data against cyber threats and potential breaches with security frameworks threat detection, using AI and end-to-end encryption.

  • Leverage customer and client data to personalize services, tailor recommendations and marketing messages, and improve financial advice while managing consent and risks to privacy.

  • Establish data governance frameworks to ensure compliance with data protection regulations.

Innovation, agility, and partnerships

Banks need to rethink business models, partner quickly, and innovate their products to prevent being disrupted. Propositions need to address changing customer needs. These must be powered by advanced technologies and experience-led delivery approaches that enable banks to scale and incorporate new partners and services. 

How We Can Help

Experience the difference.

At Credera, one of our core values is excellence. Our expertise, experience, and focus on quality delivery outcomes help our banking clients launch innovative solutions that improve revenue growth, identify sustainable operating efficiencies, and make transformation a reality. 

We call this the Credera Difference, and we invite you to hear directly from some of our clients about their experiences working with us. As both retail and commercial banks face changes on their core balance sheets, distribution approaches, and transaction processing, our deep understand of technology and the market can support these challenges. 

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From over 30 years of working in banking and across financial services, Credera recognizes the paramount challenge facing banks today lies in navigating unprecedented macroeconomic changes, global uncertainty, and ever-increasing compliance requirements. Embracing transformative technologies for modernization while ensuring seamless integration is pivotal for sustained growth and resilience in this evolving landscape.

Ray Panditharatna

Head of Financial Services & Insurance, Credera

Anonymous Author

Our Experts

We’re available to talk—and here to help.

At Credera, we’re only as good as our people, and we bring a highly skilled and diverse set of experts together for the benefit of our clients.​

Andrew Dixon
Andrew Dixon

Managing Director

London

Peter Hardie
Peter Hardie

Managing Director

London

Ray Panditharatna
Ray Panditharatna

Managing Director

London

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