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Cards and Payments

Together with rising demand for real-time, accessible, and digital-first payments experiences, payments firms are subject to data privacy regulations, technological advances, and growing e-commerce.

Whether it’s a business opportunity or for regulatory compliance reasons, payments transformation is crucial for growth.

We help you solidify your competitive position through next-generation payments solutions across your customer segments, while maximising your ROI. We are enabling financial institutions with services ranging from payments consulting, differentiation, and monetisation, to partnering with FinTechs – and from payments hub transformation, ISO compliance, and real-time payments enablement, to open banking.

In a rapidly changing payments landscape, the ability to adapt and innovate is essential. Our cards and payment consulting services are designed to help you navigate these complexities, ensuring that your organisation not only meets today’s challenges but also anticipates future opportunities.

We have over three decades of experience in the cards and payments sector. And with over 5,000 payments experts globally, we have the expertise and partnerships to help you create game-changing payments ecosystems. Capgemini drives your success through payments transformation, helping your business innovate, adapt, and thrive in a rapidly evolving financial landscape.

    Payments Top Trends 2024

    Anticipate continued payments industry transformation in 2024, with frontrunners streamlining processes and leveraging DeFi and AI.

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    World Payments Report 2023

    Where is the cash? Accelerate corporate cash management transformation to build value

    Read the report

    Why cash management dominates Capgemini’s World Payments Report

    Finextra sits down with Capgemini’s Jeroen Hölscher, global head of payment services.

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      What we do

      We help you improve your real-time payments journey by effectively transforming your core payment hub, and build ecosystem strategies for both retail and corporate customers.

      We can help develop your payments strategy and roadmap, assess and select the right platform, implement cloud payments, and implement your payments hub.

      Our payment programme implementation, frameworks and accelerators, Clearing Connect solution, and ISO migration framework can fast-track the implementation journey by up to 35%.

      We have partnerships with all major payment engine technology providers like Finastra (GPP), FIS (OPF), Volante (Volpay), and Icon Solutions.

      Clearing Connect
      Open banking provides opportunities to digitally transform, drive innovation, create a partner ecosystem, and unleash new revenue streams.

      Capgemini’s Open Banking platform is a proven API-enabled platform that is currently delivering secure, market leading advantage to our clients.

      Our Open Banking platform’s features include:

      • API Sandbox that allows third party providers and developers an open experimentation space to build and test new open APIs
      • A customisable platform with a flexible, layered architecture; each layer can be scaled, managed and upgraded independently
      • Leading AI and automation capabilities
      • The ability to support full end-to-end propositions or specific services, such as Know Your Customer (KYC) or onboarding.

      Open Banking
      Unlock the potential of cards platforms to gain efficiencies, increase market agility, and deliver a seamless customer experience.

      With over two decades of experience in card transformation, we can help you:

      • Transform your cards issuance platform
      • Implement/upgrade new card issuance platforms
      • Migrate your cards portfolio
      • Assess and evaluate leading cards processing products
      • Comply effectively with regulations
      • Develop and manage your applications
      • Implement network schemes.

      Help your customers embrace real-time cash management via seamless, connected tools across the spectrum of cash and liquidity management.

      Extract value and achieve new synergies across APIs, FinTech partnerships, data standardisation, cutting-edge virtual account solutions, and real-time transacting, by creating unique and memorable last-mile cash management solutions.

      We help overcome legacy issues, reducing risk and delivering data-driven insights. From seamless payables and receivables to intra-day sweeping and real-time cashflow dashboards, we have the expertise and partnerships to help create a game-changing cash management ecosystem for your customers.

      Enhance your cash management experience with:
      • Cash management strategy and solution implementation
      • Virtual accounts management strategy and implementation
      • Accounts payable and accounts receivable strategy and solutions
      • FinTech partnerships.

      We provide an end-to-end suite of services across the merchant acquiring business and technology value chain.

      Our services help clients:

      • Venture into new geographies and markets as well as forge new partnerships: consulting, strategy and roadmap
      • Gain understanding of the global payments business, products, and technology trends: payment thought leadership reports
      • Build innovative merchant solutions for acquirers, retailers, networks, and PSPs.

      Unlock the future of payment technology with Capgemini

      Leverage our expertise to drive your payments transformation. Contact us today to discover innovative solutions tailored for your business.

      Get in touch

      Research and insights

      Point of view

      Next-gen client integration services
      Report

      Building Central Bank Digital Currency
      Point of view

      Cloud-native credit decision systems in banking and cards
      Report

      How banks can thrive in an evolving payments environment

      Client Story

      Return on innovation: Winning in invisible banking

      How can wearable payments enable seamless experiences for resorts, gaming, and beyond with a fashion-forward approach?

      Explore on frog.co

        Digital customer experiences at scale by Entercard

        Entercard partners with Capgemini to deliver seamless customer experiences through automated, data-driven journeys.

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          Expert perspectives

          Banking & capital markets

          How digital assets reshape the post-trade landscape in capital markets

          George Holt
          Jul 8, 2024
          Banking & capital markets

          Diversity pays: How a focused community is diversifying the payments sector

          Karishma Panda
          Nov 30, 2023
          Banking & capital markets

          T+1 – A radical change to your global operating model

          Benoit Julia
          May 31, 2023

          Meet our experts

          Jeroen Holscher

          Expert in Banking, Cash management, Payments

          Christophe Vergne

          Expert in Payments Hub

          Ravi Vikram

          Senior Director, Cards and Payments

          Venugopal PSV

          Senior Director, Cards and Payments practice

          Jaspreet Puri

          Director – Cards & Payments Practice UK

            Our Partners for Digital Cards and Payment Solutions

            We partner with leading technology companies to power business transformation in insurance, helping our clients optimise operations and deliver exceptional, personalised experiences driven by cutting-edge innovation.

            Join the conversation on LinkedIn

            Connect with our experts and read the latest industry insights on our dedicated LinkedIn page

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