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In the face of accelerated change, the pressure to digitise and a tough retail banking environment, Delta Capita helps retail banks stay ahead by helping with revenue generation, cost takeout and simplification, delivered through expertise and cutting-edge technology.

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Not only do retail banks have to meet the challenges posed by increased competition, customer expectations and regulations, they now also have to deal with the impact of the Covid-19 pandemic. In this increasingly competitive market, retail banks find themselves looking at cost control and reduction, as well as new revenue streams, given the downward pressure on interest rates. In addition, banks have both an increased opportunity, but also a pressure, to digitise, with customer demand exponentially rising on digital channels.

Forward-thinking banks are increasing digital spend to serve growing customer needs and expectations around onboarding, digital servicing, mobile payments, personalised analytics, seamless omnichannel user experiences, along with more demand for support, guided journeys and advice. Given this rapid acceleration of digitisation across the industry, those that follow too late may well find themselves left behind and struggling to retain customers. 

Many banks see technology as the ultimate solution in its power to ‘do more with less’. Indeed, the right technology not only reduces costs while increasing automation and efficiency but can also become a USP, providing an experience and gaining data insights that competitors don’t have. Data has become one of the most important assets in retail banking – one that technology helps make sense of and monetise. It has become a critical internal currency, with every bank department seeking to better understand their data, and therefore their customers, to deliver enhanced experiences and ultimately achieve revenue uplift.

Another strategic imperative for banking is to reinvent its value chain by focusing sharply on the banking capabilities that truly differentiate from the competition and invest there. When capabilities do not differentiate, other sourcing opportunities are emerging, including the mutualisation of some parts of the value chain with other banks such as KYC and CLM.

How Delta Capita can help

Get the Competitive Advantage

Delta Capita helps retail banks to stay ahead of the competition in revenue generation, cost takeout and simplification, by offering assistance with:

  • Digital transformation
  • Digital servicing of customers
  • Customer journey design, persona development and proposition development
  • Product management
  • Ways of working (Agile)
  • Data science and analytics
  • Cyberthreat protection
  • Legacy technology rationalisation
  • Target operating model
  • Next generation outsourcing and mutualised processing platforms

Get in touch


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.


Running mission critical services for financial services over years.


Recognised industry professionals at your service.

Proprietary tech

Influence, direct and control the tech that underpins services.


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


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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