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We provide future-looking advice and solutions to banking and capital markets organisations—navigating today’s challenges with tomorrow’s outlook.
Banks face many challenges, from regulatory reform and digital transformation to risk management, disruptive technologies and enhanced reporting requirements. Organisations must transform their operating and business models to gain a competitive edge. At the same time, they must also enhance customer experience and balance greater collaboration and integration with a continued focus on risk and regulatory compliance. The priority is to build trust with customers and society, create a sustainable digital banking model and put ESG at the heart of everything organisations do. Together, we can create sustainable change.
Our clients
In an era of rapid transformation, retail banks are grappling with a sea of change—from technological shifts to evolving regulations. Our tech-powered experts can help you navigate these challenges in a way that builds trust, enhances the customer experience, and generates value.
International banks need a trusted partner who can help them capitalise on the opportunities presented by artificial intelligence (AI), reg-tech and consumers’ demand for world-class cybersecurity. We work with the top names in international banking to build resilience and succeed in a competitive landscape.
The fintech sector thrives on innovation, but it faces unique regulatory, technological and cybersecurity challenges. Through our human-led and tech-powered approach, we help fintech companies operate at the cutting edge of innovation to scale and transform while ensuring compliance and building trust.
Client priorities
While the banking and capital markets landscape is continually evolving, certain challenges span the entire financial services industry.
- Artificial intelligence
- Cloud and financial services
- Digital banking transformation
- ESG and sustainable finance
- Regulation
- Risk
Artificial intelligence
Banking institutions are navigating a digital transformation that is fuelled by AI. Accelerating breakthroughs coupled with ubiquitous connectivity presents a trillion-dollar opportunity for the banking sector, and entities of all sizes are leveraging AI innovations to enhance customer experience, detect fraud, optimise risk management and automate routine tasks. Obstacles exist in the form of outdated models, fragmented data and unclear AI strategies, but our tech-powered experts can help you build a bespoke strategy, future-proof your core technology and create customer-first operating models that will position your firm for future success. From our global €1bn investment to expand and scale our AI capabilities to our local GenAI Business Centre, we have the expertise and resources to help firms capitalise on AI’s transformative potential.
Cloud and financial services
Cloud computing has opened up opportunities for financial services companies to quickly and easily innovate without the time and resource commitments of on-premise systems. The cloud provides a cost-effective way to migrate or modernise applications, scale digital banking operations, make data-driven pricing decisions and secure customer data. Cloud-native capabilities powered by AI and machine learning allow for faster development and launch of new digital banking and investment products and the creation of hyper-personal financial services and insurance cross-sell opportunities. Our solutions, which are tailored for the financial services industry, include cloud services, custom engineering, DevOps and site reliability, modernisation, platform engineering and technology architecture.
Digital banking transformation
Innovation and evolving customer preferences have boosted digital transformation, forcing organisations to adopt solutions powered by AI to meet customer demands. The banking and capital markets sector must embrace this change to optimise its digital infrastructure and reinvent its future. Doing so can help banking and capital markets organisations scale further, work faster, reduce costs and enable new business models. However, updating legacy infrastructure and migrating to modern systems can be complex. To support digital-savvy customers, organisations must have a progressive plan for modernisation. PwC can help banks deliver AI-enabled digital banking experiences that cover financial data analysis, document processing, advanced risk assessment and dynamic pricing, digital underwriting, automated KYC and AML checks, fraud detection, personalised customer service and automated financial reporting.
ESG and sustainable finance
ESG has moved to the forefront of the banking and capital markets industry and is no longer a ‘nice-to-have’. Customers, investors and society demand change, and organisations must respond accordingly. This presents a unique opportunity for businesses to incorporate sustainable finance into their day-to-day operations and become positive agents for change. Organisations that tackle critical ESG issues while leveraging technology to foster economic growth will gain a competitive advantage. By aligning strategy and purpose with the expectations of stakeholders and society, they can create a winning combination that benefits all stakeholders. The emergence of EU and global reporting requirements will also help organisations focus on ESG issues and consider their relevance and potentially transformative impact.
Regulation
Banking institutions operate in a complex regulatory landscape where non-compliance carries severe financial penalties and reputational risks. The regulatory landscape is also changing continuously as regulators worldwide respond to economic developments, technological advances and lessons learned from past financial crises. From anti-money laundering (AML) and counter-terrorism financing (CTF) measures to the Individual Accountability Framework (IAF), Digital Operational Resilience Act (DORA), the NIS2 Directive and more, compliance and transparency are essential for financial institutions. At PwC, we help clients across the financial services sector understand what regulations apply to them—and then comply with those regulations so that they build trust with their customers and play a positive role in creating a stable, transparent and secure financial system.
Risk
As banking organisations adopt new technology and digital solutions, they are exposed to more and more cybersecurity risks. To build resilience against future risks, banks must go beyond traditional risk management practices and adopt AI-enabled technology to identify and mitigate risks in real-time—from performance and enterprise risks to security, economic, control and societal risks. At PwC, we offer a human-led, tech-powered approach to help banks manage such risks, demonstrate compliance and transparency, and build resilience against future cybersecurity threats. Our specialists combine advanced technology and data with unparalleled expertise to create solutions that drive sustainable growth and add value for your organisation.
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Banking & Capital Markets
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