Customer-first Digital Transformation in Retail Banking

Retail banks competing in a digital landscape need innovative and scalable customer engagement models to deliver seamless multi-channel experiences. They also need agile systems that mitigate risks and keep them compliant with evolving regulatory mandates – while reducing cost of operations.

WNS’ retail banking solutions and services enable banks and financial institutions to deliver seamless front, middle and back-office processes, and outperform on their customers’ needs. We co-create digital transformation journeys by leveraging analytics, Robotic Process Automation (RPA) and Artificial Intelligence (AI), leading to superior customer experience, process improvements and cost savings.

 

Key Accelerators

WNS EXPIRIUSSM
Digital Customer Service Suite

WNS ExpiriusSM integrates Digital and Human Assistance into a Unique Customer Experience Solution

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WNS Compliance-in-a-Box
An Integrated Suite of Intelligent Solutions

Domain, digital, analytics and technology expertise come together in this suite of compliance solutions to drive secure outcomes in various processes, including AML and KYC, and compliance and risk management.

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Article

Mastering the Art of Data Management to Transform Customer Engagement

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Case Study

Co-creation Helps in Reducing Bad Loans & Improving Compliance

 
 

Digital-first Services

Our services span the end-to-end operations cycle of origination, servicing, customer interactions, and risk and compliance. It includes:

Deposit Operations

Deposit Operations

  • Customer onboarding
  • KYC checks
  • Processing
  • Account servicing
  • Account verification
  • Fraud investigation
  • AML transaction monitoring
  • Exception processing
  •  
Card Services

Card Services

  • Application processing
  • KYC verification
  • Rule-based decisioning
  • Spend limit assignment
  • Welcome calling
  • Merchant setup
  • Account maintenance
  • Query handling & resolution
  • Billing & statements
  • Replacements
  • Payment processing & complaint handling
  • Cross-sell / up-sell
  • Merchant support
  • Settlement & reconciliation
  • Dispute identification & verification
  • Issuer & acquirer chargeback
Lending Operations

Lending Operations

  • Loan origination
  • Underwriting
  • Credit & compliance checks
  • Maintenance
  • Default management
 
Mortgage Operations

Mortgage Operations

  • Origination
  • Underwiring
  • Processing
  • Closing
  • Servicing
  • Default management
  • Secondary market services
 
WNS Advantage

WNS Advantage

Domain Expertise: Our large pool of financial services professionals and process experts provide the best of industry, digital, technology, analytics and marketing capabilities. Over the years, we have developed best practices to proactively innovate and customize solutions that spur growth and preempt challenges.

Intelligent Digital Transformation: Our digital transformation is underpinned by RPA, intelligent automation, next-generation suite of technology solutions, advanced analytics and in-depth process knowledge. Our consultative approach drives continuous improvement measures to ensure a culture of perpetual transformation.

Regulatory Know-how: We adhere to stringent information security guidelines to safeguard client data and information. Mandatory online compliance trainings for employees include:

  • Knowledge of Bank Secrecy Act / AML
  • Enterprise security
  • PCI-DSS
  • Fraud risk and compliance management
  • ISO audit
  • Claritas

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