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.
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.
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 a data ‘A-Team’ can help overcome systemic changes in banking
Chief Data Officers (CDOs) need to rapidly establish an ‘A-Team’ to define and execute disruptive change in order to stay relevant and ensure they are meeting the needs of their digital...
Our Approach
Driving change through transformation.
The financial services industry is changing faster than ever. Re-invention to stay current with customers and adapting to compete for new sources of value requires a fresh approach. We believe transformation requires the right strategy, operating model, partners, focus on quality, and disciplined execution.
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.
Read about how we redefined this FTSE 100 bank’s customer platform.
Learn how Credera transformed market abuse and conduct surveillance for a global banking group.
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
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
Managing Director
London
Peter Hardie
Managing Director
London
Ray Panditharatna
Managing Director
London
Offerings
Explore our offerings in the retail and commercial banking industry.
We work closely with our retail and commercial banking customers to understand their unique needs, desired objectives, and the nuance of their problems to develop strategies and programs that achieve great results.
Cloud data & AI
Take the guesswork out of selecting the right platforms for your data needs and ensure optimal data analysis and pattern recognition.
Business transformation
Achieving strategic goals and transformational change by aligning people, processes, and technology is critical for execution and is key to unlocking extraordinary value.
Strategic alignment
Connect each component of your organization on a fundamental level—harmonizing efforts, resources, and people to foster a culture of innovation, enable competitive strategies, and ultimately exceed business goals.
Cloud migration & app modernization
Reimagine applications and ways of working in a cloud landscape and accelerate their modernization.
Contact Us
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