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As banks redefine what role they want to play in a future commercial banking environment, Delta Capita is ready to assist by providing expertise and an interactive commercial-bank-as-a-platform which helps banks leverage innovative technology, new business models and ways of working to combat disruption, make the most of opportunities and ultimately better serve their clients

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Disruption, both from within and outside of the traditional banking environment (think Ali Baba) are making real inroads into traditional banking products and services, forcing commercial banks to redefine their roles. 

With both disruption and the syndication of risk creating more routes into balance risk and return, commercial banks will have to improve the sophistication with which they manage their balance sheets and apportion RWA across products and clients.

By improving credit models with far greater internal and external data ingestion, along with more sophisticated analytics, banks gain access to more, better quality business, while empowering themselves to decline the “wrong” kind too.

Digital technology enables an intelligent delineation in the servicing needs of SME, mid-market and corporate clients. There is a growing need to focus on the time-to-value for smaller clients where cashflow is a far higher priority. Simultaneously, banks should prioritise a single view of the client’s financial performance through credit assessment, while improving client intimacy through tailored services that extend value.

The mutalisation of sections of the value chain that do not confer competitive advantage is, in our view, one of the most innovative ways to address pressure on costs. By sharing platforms and processing, banks can make structural changes to their cost base and focus investment on what really matters, while maintaining compliance and customer service.

How Delta Capita can help

Future ready transformation

Delta Capita is re-inventing the value chain in Commercial Banking. Our team specialises in end-to-end digital transformation for commercial banks, enabling our clients to optimise their current business, build and launch new propositions, while supporting them with the associated business and technological change tools. In addition to the interactive commercial-bank-as-a-platform which we have developed, we provide assistance through:

  • Strategic Advice from proven industry executives
  • The design and execution of a strategic transformation programme
  • Mutualised processing platforms (evaluation, design and execution)
  • Digital servicing and ways of working
  • Data analytics
  • Operational resilience
  • Regulatory compliance optimisation
  • Know your Customer (KYS) and Client Lifecycle Management (CLM)
  • Know your Supplier (KYS) and third-party risk management
  • Cybercrime prevention
  • Organisational design and improvement
  • Performance improvement

APPROACH

We provide world-leading mutualised services for the financial services industry, Delta Capita engineers mission critical services, leveraging a unique combination of recognised industry experts, proprietary technology, and capital.

Credibility

Running mission critical services for financial services over years.

Experience

Recognised industry professionals at your service.

Proprietary tech

Influence, direct and control the tech that underpins services.

Capital

The ability to co-invest with clients to drive transformation.

TEAM

Real world experience experts

Our team of experts, equipped with a curated portfolio of leading fintech tools and platforms, provide end-to-end solutions to overcome financial institutions’ most challenging digital, data and regulatory issues.

With offices around the world, we work closely with our clients to ensure they effectively and efficiently comply with regulations, simplify operations, reduce costs and innovate their business models.

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Commercial Banking Insights

Stay informed with a range of insights from our experts to help you reinvent your financial services value chain.

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