Banking & Financial Services — IBU

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Banking & Financial Services

Modernising banking infrastructure for the digital-first era

IBU partners with retail banks, commercial lenders, investment banks and building societies to modernise core systems, transform payments infrastructure, and deliver compliant, customer-centric digital banking experiences.

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Overview

The Sector Challenge

Banks and financial institutions face mounting pressure from challenger banks, tightening regulation, and customers who expect seamless digital experiences. IBU combines deep banking domain expertise with proven technology delivery to help institutions replace legacy cores, meet Basel IV and DORA obligations, and launch new digital products at speed — without compromising resilience or compliance.

Key Challenges

What We Solve

  • Core banking system modernisation and cloud migration
  • Real-time payments and ISO 20022 migration
  • Basel IV capital and liquidity reporting
  • DORA ICT risk and operational resilience compliance
  • FCA Consumer Duty implementation
  • Fraud detection, AML and financial crime prevention
  • Open banking API development and PSD2 compliance
  • Digital onboarding and KYC automation
  • Legacy data warehouse migration to cloud analytics
  • Branch network rationalisation and digital channel shift
What We Do

Our Capabilities in Banking & Financial Services

01Core Banking Modernisation & Cloud Migration
02Real-Time Payments & ISO 20022
03Basel IV Capital & Liquidity Reporting
04DORA Operational Resilience Frameworks
05FCA Consumer Duty Compliance
06AI-Powered Fraud Detection & AML
07Open Banking & PSD2 API Platforms
08Digital Onboarding & KYC Automation
09Cloud Data Warehouse & Analytics
10Customer Data Platform & Personalisation
11Mortgage & Lending Platform Development
12Branch Transformation & Digital Channel Strategy
Value Delivered

Business Outcomes

Faster Product Launch

Cloud-native core banking platforms reduce time-to-market for new products from months to days.

Regulatory Confidence

Pre-built Basel IV, DORA and Consumer Duty accelerators reduce compliance cost and audit risk.

Real-Time Payments

ISO 20022-ready infrastructure enables instant settlement and enriched data flows across payment rails.

Reduced Fraud Losses

AI transaction monitoring cuts false positives and detects emerging fraud patterns in real time.

Customer Retention

Personalised digital experiences and proactive servicing reduce churn and improve NPS scores.

Lower OpEx

Legacy decommissioning and cloud migration reduce infrastructure and maintenance costs significantly.

Case Studies

Client Impact

01

Core Banking Migration

Led phased core banking replacement for a UK building society, migrating 1.2 million accounts to a cloud-native platform with zero customer disruption.

02

ISO 20022 Programme

Delivered SWIFT MX migration and enriched payment data flows for a Tier 2 UK bank, meeting the Bank of England deadline ahead of schedule.

03

DORA Readiness

Completed ICT risk framework assessment and gap remediation for a pan-European retail bank, achieving full DORA compliance by January 2025.

04

Digital Onboarding

Deployed AI-assisted KYC and digital onboarding platform reducing account opening time from 5 days to under 10 minutes.

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