Lending

Digital-native, new-age lenders have raised borrower expectations. Unburdened by legacy technologies, they can provide superior, innovative customer propositions at speed. And traditional lenders are finding it a challenge to keep up.

To compete with the evolving macroeconomic environment, retail and commercial lending firms need to reinvent their lending business models. We help you build a seamless lending experience for your customers, from onboarding to servicing, by creating agile and scalable digital operations. We ensure you’ll get the most out of your data, with powerful insights that enable you to manage risk effectively and create tailored solutions for your customers.

What we do

Automate your document processing to provide a frictionless, real-time lending experience to your customers.

Processing loan documents, often done manually, can be costly and time-consuming for lenders.

Capgemini’s Cognitive Document Processing is a fully managed solution that ingests, classifies, and evaluates documents rapidly, securely, and at a reduced cost. It is powered by industry-leading algorithms coupled with machine-learning and artificial intelligence (AI) to enhance credit underwriting, customer onboarding, and servicing.

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We enable personalized credit journeys for your customers, via next-generation loan origination and servicing platforms.

Disparate operating models, manual processes, data rekeying and fragmented technology make it hard to deliver a seamless lending experience to commercial customers. What’s more, the absence of a single customer view increases operational risk and makes it difficult to manage risk portfolios.

We help you build digital solutions, customized credit workflows, enterprise content management, and instant reporting capabilities that span business lines.

Our services include loan origination value discovery, and loan origination platform implementation with nCINO.

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We help financial institutions rethink their retail, mortgage and corporate processes to ensure an engaging, relevant, and personalized lending experience.

With Capgemini and Pega’s lending solution, financial organizations can transform their loan origination process across retail, corporate, and mortgage segments. With an omnichannel customer experience platform, and Pega’s dynamic case management with a credit decision hub at its core, firms can safeguard the financial wellbeing of their customers while delivering a consistent and seamless experience across all channels. 

Our services include:

• Lending origination transformation roadmap and prioritization assessment
• Redesign of complex business rules
• Process orchestration
• Harmonization of business processes and rules across multiple entities
• Renewal of legacy capabilities through APIs and business services
• Workflow orchestration.

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Research and insights

Point of view

Investing in trust: Sustainability strategies for retail banks
Point of view

Tech-powered growth: How financial institutions can bridge the martech gap with bigtech
Capgemini Research Institute

A world in balance: Why sustainability ambition is not translating into action
Report

TechnoVision 2024: Financial Services

Meet our experts

Helen Jensen

Vice President, Capgemini Invent Sweden-Finland | Head of Insurance
Helén is a Vice President at Capgemini Invent, Sweden & Finland, where she leads the insurance practice – a part of the global Capgemini Invent banking and insurance industry. She has over 25 years of experience in leading and managing transformation programs at insurance companies, banks and corporations. She has lead mergers from the beginning of the deal to the integration phase, run efficiency and development programs, and developed finance functions.

Anne Lind

VP & Community Lead, Capgemini Invent
Anne Lind has extensive experience in growing and leading businesses and professional services. During her career, she has worked as a trusted advisor to several global, Nordic, and Finnish companies on their various management and leadership challenges as well as large transformations. The experiences have shaped Anne into a savvy professional working together with C-level executives and board members, having a deep understanding of sustainable business transformations and skilled in architecting operating models, defining, and implementing new ways of working, and accelerating top-line growth as well as improving bottom-line and driving restructuring.

Tea Silander

Head of Financial Services Finland
Tea has 20 years of experience in IT, mostly with Banking and Financial Services industry. She has held various positions giving her cross-cutting understanding of the market and ability to navigate both business and technical discussions. She has been advising and shaping solutions for Finnish and Nordic clients, building her an extensive exposure with technology led digital transformation of the industry. Her heart lits with the opportunities to leverage data and emerging technologies for business development. Her core expertise is with investment services and products, being an active investor since the last 25 years.

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