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The rapid evolution of customer behaviours, needs, and expectations have helped drive innovation in banking, but even so, it has placed unprecedented demand on banks’ technology capabilities and infrastructures.

The need for banks to evolve their digital offering is accelerating, posing a double challenge. In order to harness the power of technology in a more human-centric way, banks must balance the need to create capacity within existing digital channels with the long-term objective of re-engineering the foundations of their businesses to enable agility and sustainability.

Traditional business models are coming under pressure from non-traditional challengers exploiting gaps in conventional offerings by providing alternative and more adaptable banking services. This trend is set to continue, with trusted, value-based brands entering the market and contributing to the disintermediation of the banking sector. As a result, larger organisations may need to consider mutualising cost-intensive, low-return activities and accept their role as utility providers within a disintermediated marketplace.

At Endava, we have a wealth of experience across the banking sector, working with clients to combine next-generation technologies with product and technology strategies, intelligent experiences, and world class engineering capabilities.
How to Build Data-Driven Processes into your operations

Report | Banking

How to Build Data-Driven Processes into your operations


Recent market disruptions have seen corporates and SMEs become increasingly dependent on a rapid and seamless flow of credit as reserves run down. Informed decision-making, particularly around provision of credit and associated underwriting, sits at the heart of the challenges banks are facing.

We combine architectural and subject matter expertise to help banks identify, design, and transition to more effective technology infrastructures. This combination allows us to support clients’ end-to-end digital journeys by ensuring business objectives are embedded in executable technology roadmaps.

We’re working with some of the world’s leading commercial and transaction banking businesses to address these issues using next-generation technology to transform traditional lending, asset finance, payments, and cash management services.

By combining intelligent automation and AI, we have helped a leading international bank to codify and reengineer credit decision frameworks. We contributed to the optimisation and acceleration of lending decisions. By automating simple manual interventions, we freed up key employees to focus on high-risk credit underwriting decisions.



In the last five years, retail banks have made huge strides where front-end technology and user-experiences are concerned. Nonetheless, legacy infrastructures, duplicative application architectures, and sub-optimal data governance remain a significant hindrance to the true evolution that will facilitate achieving strategic goals. In order to retain relevance and address these issues, bold actions are required to substantially accelerate banks’ long-term transformation plans.

What’s more, our transition toward a more connected world has only amplified the need for the optimisation of digital services and products, particularly by increasing personalisation, speed, and transparency. In this context, Open Banking presents the perfect opportunity to create more customised products and experiences that better reflect customers’ individual needs.

At Endava, we have been helping stakeholders across the banking ecosystem to create unique omni-channel experiences, enabling customers to seamlessly aggregate financial portfolios between both institutions and channels, using next-gen tech to supplement – not replace – personal and digital interactions.


In the last five years, improvements in investment bank operations and technology have been driven by a desire to create more agile, adaptive, and future-fit infrastructures, underpinned by streamlined application estates and data models. And although the pandemic has stressed operating models like never before, recent volatility has enabled many to deliver positive returns during a turbulent period.

Endava is working with many of the world’s leading players, using next-generation technologies and agile engineering to help establish the foundations that enable scalable, enterprise evolution. Be it creating a streaming data platform to enable intraday liquidity management or using machine learning to optimise sanctions checking and regulatory reporting, we’re designing technology solutions that help our investment banking clients remain relevant and competitive.

By creating extendable and independent solutions, we help investment banks to adapt to changing current and future market conditions. Simplified application architectures have reduced platform fragmentation across asset classes and geographies. Similarly, by commoditising non-differentiating services and automating labour-intensive processes in areas such as post-trade, lending operations, data management, and client onboarding, we have helped banks realise significant gains in their productivity.