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Retail and Commercial Banking

Build customer-centric experiences.

Your customers want to do their banking in new ways. With our integrated suite of services, they can. Our teams help you build technology and operating models for the future. Whether your focus is retail or commercial, create next-gen, end-to-end experiences that deliver more efficient operations and processes.
Retooled banking app improves CX

A U.S. bank holding company builds an interactive mobile banking platform and drives a 100% increase in iOS and Android app ratings.

Scanning a mobile device.

Targeted solutions

Smart packaged solutions to transform for the digital age.

Front-Office Optimization

Our family of digital solutions and services boost advisor productivity and organizational effectiveness across lines of business and booking centers.

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Additional capabilities

Improve customer experience

Update legacy payments systems and ensure customer convenience by implementing Global payplus (GPP) payment processing engine along with wrappers on top of the platforms. 

Cognizant Payments Modernization includes:

  • Rich user experience on top of GPP core payment processing engine
  • Important capabilities such as initiating domestic (BOOK & FED) and international wires (SWIFT), voice wire customer management and voice wire processing (IVR)
  • Modernize legacy domestic and international wire transfers

Transform and simplify

Our solution transforms the often expensive, complex approach to multi-banking. 

Cognizant Multi-Banking Cash Management offerings include:

  • Integrated online and multi-banking platform 
  • Flexible display options
  • Online onboarding of third-party accounts
  • Single login for liquidity overview across banking relationships 
  • Simplified data aggregation 

Make global currency payments


Cognizant FX Payment Engine enables you to make global currency payments to almost any part of the world and book FX deals. By eliminating the need for multiple Nostro accounts, your organization lowers operational costs. 

Cognizant FX Payment Engine’s key features include

  • Scalable solution 
  • JEE platform based on SOA 
  • Separate portals for payers, client services, operations and user support

    Latest thinking

    Artificial intelligence in financial services

    Practical strategies to make AI a competitive differentiator in CX, decision making and operations.


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    Manan Gauba

    Head of Strategy and Partnerships – Banking and Financial Services

    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.