Commercial Banking

Creating Integrated & Omni-Channel Commercial Banks

Commercial banking is evolving and competition is intense in high-margin product and service areas.

As value chains unbundle and competitive ecosystems develop, the demand for personalised and convenient interactions across both digital services and relationship manager channels will see the B2B solutions landscape change with banking services integrated with corporate workflows alongside value-added business tools.

Digital and data technologies are driving the industry forward but many banks are behind the curve and encumbered by legacy technology and ways of working. At the same time, commercial banks are feeling the pressures of responding to top and bottom-line performance pressures, alongside staying on top of regulatory change.

Waracle work with some of the largest commercial banks in the UK to help them stay ahead of the competition through rapid innovation of data-driven digital and API-based products and services, whilst modernising legacy technology and delivery processes to enhance ROI.

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Innovative, Personalised Experiences

As clients demand convenience and value-added services, banks are innovating across experience and service delivery and using improved data and analytics to better understand customer behaviours and needs. This is driving innovation in areas such as digital portals, insight-driven relationship manager interactions, self-service capabilities, faster decision-making, embedded services and enhanced business tools.

Waracle has worked with many of the UK’s top commercial banks to design and build new digital propositions across web, mobile and API channels. We help our clients with customer-centric innovation, design for high engagement and interaction and deliver end-to-end solutions iteratively in partnership.

We have helped our clients improve customer acquisition, increase lifetime value and get to market first with new propositions.

Disrupting ROI - Doing More with Less

Commercial banks are challenged to innovate around their customer experience and services, while at the same time achieving efficiency gains and cost savings through modernisation. They need to do more with less.

Waracle are experts in defining the right products and delivering them in the right way through modern delivery and engineering practices that increase speed and reduce cost. We also help our clients to modernise legacy platforms to systematically reduce complexity and drive operational efficiency and automation through data and analytics.

We have helped our clients to reduce delivery cycles from months to days, reduce cost to serve customers through operations modernisation and to build internal capability for a sustainable future.

Robust, Compliant & Secure

Commercial banking solutions must be compliant, robust and secure to give customers confidence that their business is in safe hands. Regulation is moving fast in areas such as payments, resiliency, data privacy and ESG whilst the digital perimeter expansion leads to increased cyber risk.

Waracle operate in heavily regulated industries and bring a strong understanding of both regulatory mandates and how these translate into the control framework that banks operate within. We apply security and compliance by design and bring expertise in the latest digital and data security technology.

We have helped our clients build regulatory-compliant digital banking and payments solutions and highly secure customer data platforms.

What our partners have to say
"Waracle were responsive and flexible experts that helped our teams deliver in collaboration. They do exactly what they say they're going to do"Head of Digital
Virgin Money Business Banking

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