Innovation for banking, financial services & insurance
The financial services sector is complex. It’s a landscape of ever-increasing regulatory requirements, evolving consumer expectations and sophisticated cyber threats. We combine deep sector expertise with market-leading technology solutions to address these challenges.
The business challenges
Managing security, privacy, risk and compliance
The safety of data and applications are key to both protecting and preserving your business - from Basel III to cyber-security, the risks and complexity of solutions are increasing all the time.
Achieving modern, connected and differentiated digital experiences
Consumer requirements are evolving rapidly. It’s harder than ever to stand out from the crowd. Delivering seamless, unified and optimised digital applications is no longer nice to have, it’s a hygiene factor.
Increasing return on investment (ROI) globally
Driving ROI has remained difficult since the financial crisis. Income and revenue have both reduced, increased capital requirements impact financial health, and cost out initiatives have largely been completed.
Seizing opportunities for post-pandemic growth
As businesses recalibrate from a difficult period with COVID-19, there are significant opportunities for growth if the key lessons learned can be acted upon. Reimagining product and service offerings (or exploration of entirely new value propositions) can unlock enormous potential for your business.
How we help
Digital experiences

How we help
Consumers demand modern, highly personalised, frictionless digital experiences - always on, always connected, always operational. Businesses need competitive differentiation to survive and thrive. We specialise in working with large, global organisations to meet the changing needs of their customers, and to transform their operations.

Solutions at a glance
- Digital transformation: transforming customer experiences through scalable, best-in-class solutions across all customer touchpoints.
- Seamless consumer experience: data-driven analysis enables highly personalised customer journeys.
- Transformation enablement: utilising robotics in finance with conversational AI to create intuitive mobile & web experiences.
Product engineering

How we help
Whether an ambitious start-up or an established mulitnational, every financial organisation needs the ability to experiment with new propositions. We have a range of capabilities designed to help you rapidly ideate, experiment in the market, refine and scale.

Solutions at a glance
- Direct-to-consumer commerce: reach new segments with new propositions through scalable, user-focused technologies.
- Secure online employee platforms: enable hybrid working through user-friendly solutions, with security at their core.
- The latest in RPA, AI, ML and IoT: save time and resources with advanced financial processes, and simplify the value chain.
Master data management

How we help
It’s imperative that every piece of data within your organisation is accurate, secure and consistent, irrespective of how much data you have or how complex it is. With our expert team of data engineers, data consultants, data scientists and BI engineers, we can help you maintain control of key business data and manage it better than ever before.

Solutions at a glance
- Data management governance: helping you master data across your organisation - collect, buy, store & organise data effectively.
- Data analytics: developing digital analytics expertise to make informed decisions to reduce risk and drive growth.
- Continuous improvement: with a sustainable feedback loop, you can constantly evolve and build upon your data-driven experiences.
Payments-as-a-Service

How we help
In a climate where agility and innovation is everything, being able to spin up new technology faster than competitors is essential. Partnering with us gives you access to a range of outsourced Payments-as-a-Service functions, where you can easily bring in all the integrated financial tools with the technology you need to deal with more transactions at a lower cost.

Solutions at a glance
- Real-time payment processing: deliver services your customers want with online payments & smart payment routing.
- Fraud and risk management support: oversee risk throughout your payment functions.
- Open APIs: powerful payment gateway integrations connect third-party solutions with your existing systems.
“We built everything from scratch super fast, and now each app is released successfully to the store with minimal manual intervention.”
“Ciklum provides us the ability to scale up our operation on demand. We think it makes us a better R&D company and a better product by leveraging diversity.”
“I would advise to those having second thoughts about outsourcing, to investigate more into the cost-effectiveness and boost of productivity a nearshore partnership can offer, like the one provided by Ciklum.”