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Core banking

Transform the core for your digital future with Capgemini’s core banking transformation solutions.

FinTechs, neobanks, and challenger banks are making it difficult for traditional banks to keep up with rising customer expectations for hyper-personalized and seamless services. Capgemini’s core banking solutions provide the tightly integrated, omni-channel experiences that customers expect, along with actionable business information that banks need.

Our comprehensive core banking system offerings help banks reduce the total cost of ownership, enhance operational efficiency, and ensure they have an IT platform that is sustainable for the future, while supporting core banking transformation.

As the banking landscape evolves, traditional banks need to modernize their core systems to stay competitive. By adopting advanced technologies and upgrading legacy systems, banks can streamline operations, improve customer engagement, and respond quickly to changing market conditions. Capgemini’s expertise helps institutions build a flexible, future-ready IT foundation, positioning them for long-term success in today’s dynamic financial ecosystem.

    Transforming Core Banking Platforms with Rigorous Governance & Prioritization

    Transforming core banking reduces costs, boosts agility, and integrates FinTech. Discover key success factors and real-world benefits.

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    Empowering financial innovation with composable banking

    Unlock business potential with Capgemini, IBM, and Temenos on IBM Cloud.

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    World Retail Banking Report 2024

    Intelligent banks do more with less: Take an efficiency leap with frictionless, personalized banking

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    Leader in Everest Group’s Lending IT Services PEAK Matrix®

    Capgemini recognized as a Leader in the 2023 Assessment.

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    Temenos delivery partner of the year

    Recognition for our investment in technology and complex projects delivery with enhanced client impact.

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    IT services Everest leader

      Our Core Banking Solutions

      Empowering banks with cutting-edge solutions to transform core banking systems and enhance operational efficiency.


      We help you craft an approach and a roadmap to create a core banking system environment that is simpler and more efficient, highly flexible, and that fosters responsiveness to the dynamic banking environment.  

      We will work with you to:

      – Conduct a feasibility study
      – Evaluate platforms, and select one
      – Formulate the business case and chart out the roadmap and operating model.

      This encompasses:

      – Establishing business priorities and business architecture
      – Designing target operating model
      – Drafting technical architecture
      – Structuring of the modernization plan and data migration approach.

      We help implement modern core banking platforms such as Temenos Transact, Oracle FLEXCUBE, FIS Modern Banking Platform, Finacle, and Mambu.

      Our services include:

      – Upgrade of legacy systems with modern core banking technology
      – Development of fully customized solutions
      – Global and multi-site deployments
      – Integration, testing, and data migration.

      We assist in evaluating hosting options and developing a cloud migration strategy to move your core banking system to the cloud. Our experts design cloud architecture and host the platform efficiently in a secure cloud environment.

      We conduct training for business and technical support staff, and help the bank with change management. We create IT ops and SCM approach. And we create user guides and operational documents to ensure smooth business-as-usual operations.

      Unlock the Future of Core Banking with Capgemini

      Explore our advanced core banking solutions designed to modernize your operations and enhance customer experiences. Contact us to discover how we can support your core banking transformation.

      Get in touch

      Our Core Banking Industry Expertise and Capabilities

      Ability to accelerate and de-risk the implementation journey

      We speed up transformations by 20%. Our proven assets and accelerators include our Capgemini Implementation Body of Knowledge (CIBOK) with over 500 reusable templates, processes, guidelines and tools; connected banking reference architecture; standard processes, architecture blueprints, integration patterns and test automation suites; and more than 17,000 reusable banking test cases.

      Proven industry experience

      We have more than 20 years of experience working on banking systems. We have delivered over 1,000 projects in the banking sector. And we claim expertise on multi-market leading platforms like Temenos Transact, Oracle FLEXCUBE, FIS Modern Banking Platform, Finacle and Mambu.

      Expert Insights into the Evolving Core Banking Landscape

      Business operations, Innovation, Technology

      Embedded finance: unlocking the $500Bn opportunity

      Gareth Wilson
      Nov 7, 2023

      Meet our experts

      Sandeep Kurne

      Global Head of Wealth andAsset Management, Consulting
      Sandeep is a Digital Strategy and Business transformation executive with 22 years of global experience in positioning firms for profitability growth and shareholder value creation. He specializes in collaborating with traditional and FinTech firms in banking, wealth management, and capital markets to lead strategic digital initiatives.

      Nilesh Vaidya

      Global Head of Banking and Capital Markets

      Carlos Salta

      EVP, Head of Banking and Capital Markets Practice
      Carlos comes with extensive experience and skills sets focused around transformation planning and management, solution definition and complex solution delivery disciplines. He has a strong background in digital led core modernization/replacement and has experience in driving transformations that span front end and back-end functions.

      Nikhil Rajwade

      Vice President, North America Banking and Capital Markets

      Matt Reece

      Vice President – Core Banking UK/Europe

        Our Partners for Core Banking Solutions

        We collaborate with top technology providers to enable seamless core banking system implementation and modernization, empowering banks to enhance operational efficiency, drive innovation, and deliver superior customer experiences through advanced core banking technology.

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