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Innovation in Retail Banking

Benchmark your innovation and digital transformation approach.

Efma and Infosys Finacle are proud to present the 12th annual ‘Innovation in Retail Banking’ report, authored by Jim Marous, Owner/CEO of the Digital Banking Report. 


This year’s edition clearly shows the emphasis on digital transformations. 75% of respondents listed digital banking transformation as a top three focus area. While banks had been making efforts to become truly digital enterprises entering 2020, the pandemic-induced disruption to business and society this year has only further stressed the importance of digital agenda, for employees and customers alike.


The pressure from external tech giants and upstart fintechs means financial institutions have little time to waste. Banks must adapt and pro- vide the suite of services that younger, more tech-savvy consumers have come to expect. But using data to create exciting and intuitive ways to bank digitally can’t be done by simply bolting digital tools on to outdated business models.


This report highlights the top digital trends in the industry that are transforming the way banks operate and how they are innovating to engage with customers.


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About Infosys Finacle

Finacle is the industry-leading digital banking solution suite from EdgeVerve Systems, a wholly owned product subsidiary of Infosys. Finacle helps traditional and emerging financial institutions drive truly digital transformation to achieve frictionless customer experiences, larger ecosystem play, insights–driven interactions and ubiquitous automation. Today, banks in over 100 countries rely on Finacle to service more than a billion consumers and 1.3 billion accounts.

Finacle solutions address the core banking, omnichannel banking, payments, treasury, origination, liquidity management, Islamic banking, wealth management, analytics, artificial intelligence, and blockchain requirements of financial institutions to drive business excellence. An assessment of the top 1250 banks in the world reveals that institutions powered by the Finacle Core Banking solution, on average, enjoy 7.2% points lower costs-to-income ratio than others.

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