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Business Process Services

Deepen customer engagement

Today, banks are challenged to develop a customer-first operating model, reinvent payment and credit models, and adapt to growing market disruptions—all while driving profitable growth.
To thrive in this evolving marketplace, companies must develop and manage intelligent, adaptable operations. With 25 years’ experience working with retail and commercial banks, Cognizant is uniquely equipped to help you succeed. We deliver business process transformation for more efficient and agile mortgage, lending, payment and credit operations. Our teams implement innovative digital operating models with the lowest total cost of ownership, creating greater efficiency, regulatory compliance and customer engagement.


Retail & Commercial Banking
Retail & Commercial Banking

Apply business process transformation to improve customer-centricity, innovate products and services, and capitalize on marketplace disruptions.


Transform origination and servicing processes to improve efficiency, speed and agility, and apply managed services to reduce cost and risk.

smartphone showing approval of finance

Innovate payment operations to improve customer visibility and experience and optimize payment journeys for improved customer loyalty and growth.

making a payment using device


reduction in total cost of ownership in banking operations through simplified business processes

Offerings and platforms

Optimize operations through process automation

With new digital operating models, banks are free to budget and allocate resources to focus on innovation and service quality—the lifeblood to moving in lockstep with today's digital consumers. We help banks drive new operating models to boost revenue and control costs.

Digitally transform finance and accounting

Transform finance and accounting operations into a value generator for your organization. Apply next-generation digital capabilities to enhance existing investments and turn procure-to-pay, order-to-cash, record-to-report and financial planning into valuable business insights.

Deepen customer relationships

Respond to rapid changes and enhanced modes of payment to retain customers, regain profits and maintain your central role in the financial services ecosystem. Branded digital wallets offer your customers convenient anytime, anywhere commerce.

Attain the digital edge

Simplify and secure your payments processes and platforms for today’s evolving marketplace with enterprise payments strategy and design, core platform assessment and platform re-architecture services.

Latest thinking

Financial services automation: Taking off the training wheels

Process automation is vital to banking’s future, yet many financial institutions are struggling to move beyond early proofs of concept, our latest research reveals.

Digital engineering: Top three imperatives for banks and financial services companies

Struggling to grow market share amid increased fintech pressure, banking and financial services organizations need a blueprint for building modern digital capabilities from the get-go.

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Digital business operations: Banking

Improve customer engagement, innovate products and services, and capitalize on disruptions. Learn how Cognizant streamlines digital operations to help you achieve a stronger bottom line.

Transform operating models

Take the first step

Serving customers by looking forward as well as back is a big promise, but the power of today’s new digital capabilities is vast and growing.

Let’s talk about how digital can work for your business.