AI-enabled banking and financial services

Across highly regulated markets

Leveraging our expertise in AI-powered transformation, system integration, sovereign cloud, cybersecurity and large-scale services, we support banking and financial institutions in modernizing customer journeys, enhancing digital engagement and delivering seamless, customer-centric experiences.

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75%

75% of banking transactions are now digital, making digital the default channel rather than a differentiator. (McKinsey (opens in a new tab))

58%

58% of executives report legacy IT systems disrupt operations on a weekly basis, highlighting structural barriers to transformation.(KPMG (opens in a new tab))

75%

75% of executives cite regulatory complexity as the main barrier to investment, especially in highly regulated banking and insurance environments. (KPMG (opens in a new tab))

Data & AI

Data and AI adoption remain constrained by foundational gaps in data quality, governance, and architecture. (KPMG)

75%

75% of banking transactions are now digital, making digital the default channel rather than a differentiator. (McKinsey (opens in a new tab))

58%

58% of executives report legacy IT systems disrupt operations on a weekly basis, highlighting structural barriers to transformation.(KPMG (opens in a new tab))

75%

75% of executives cite regulatory complexity as the main barrier to investment, especially in highly regulated banking and insurance environments. (KPMG (opens in a new tab))

Data & AI

Data and AI adoption remain constrained by foundational gaps in data quality, governance, and architecture. (KPMG)

Navigating the shift from legacy technology environment to AI-enabled banking.

Building on our engagement with 70+ banks and insurers across APAC, Latin America, the Middle East, and Europe, we’ve seen the shared challenges organizations face today and we’ve identified how leading institutions are able to unlock:

Faster innovation

Real-time decision-making

Regulatory and compliance ready

Sustainable, AI-driven growth

Head of International Markets, Atos

Daniele Principato

“The demand for resilient and future-ready banking platforms continues to grow across all our markets and by combining our global expertise with strong partners and our regional leadership, we are well positioned to support our clients in navigating transformation with confidence and control.”

Our capabilities

girl looking at a window in a big building

Cloud & Modern Infrastructure

Transform your banking and financial services technology landscape with secure, resilient, and regulatory-compliant cloud infrastructure. We help financial institutions modernize core platforms, optimize costs, accelerate innovation, and strengthen operational resilience while meeting stringent regulatory and data sovereignty requirements

Data & AI

Unlock the value of your data to drive intelligent decision-making, personalized customer experiences, fraud detection, risk management, and AI-powered operations. From data platforms and governance to GenAI and advanced analytics, we help financial institutions turn data into a competitive advantage.

Digital Workplace

Enable a productive, secure, and AI-powered workforce across branches, operations centers, and corporate functions. Our digital workplace services improve employee experience, support hybrid working models, and empower financial services teams with seamless collaboration and intelligent support.

Cyber Security

Protect critical financial assets, customer data, and digital channels with end-to-end cybersecurity services. We help banks and insurers strengthen cyber resilience, meet evolving regulatory requirements, combat fraud, and secure increasingly complex hybrid and cloud environments.

Digital Applications

Modernize and transform business-critical applications to support digital banking, payments, lending, wealth management, insurance, and customer engagement. We build agile, secure, and scalable applications that accelerate time-to-market and improve customer experiences.

Smart Platforms

Accelerate business transformation with industry-leading platforms including SAP, Salesforce, ServiceNow, and financial-services-specific ecosystems. We simplify integration, automate processes, improve operational efficiency, and support faster delivery of banking products and services.

Cloud & Modern Infrastructure

Transform your banking and financial services technology landscape with secure, resilient, and regulatory-compliant cloud infrastructure. We help financial institutions modernize core platforms, optimize costs, accelerate innovation, and strengthen operational resilience while meeting stringent regulatory and data sovereignty requirements

Data & AI

Unlock the value of your data to drive intelligent decision-making, personalized customer experiences, fraud detection, risk management, and AI-powered operations. From data platforms and governance to GenAI and advanced analytics, we help financial institutions turn data into a competitive advantage.

Digital Workplace

Enable a productive, secure, and AI-powered workforce across branches, operations centers, and corporate functions. Our digital workplace services improve employee experience, support hybrid working models, and empower financial services teams with seamless collaboration and intelligent support.

Cyber Security

Protect critical financial assets, customer data, and digital channels with end-to-end cybersecurity services. We help banks and insurers strengthen cyber resilience, meet evolving regulatory requirements, combat fraud, and secure increasingly complex hybrid and cloud environments.

Digital Applications

Modernize and transform business-critical applications to support digital banking, payments, lending, wealth management, insurance, and customer engagement. We build agile, secure, and scalable applications that accelerate time-to-market and improve customer experiences.

Smart Platforms

Accelerate business transformation with industry-leading platforms including SAP, Salesforce, ServiceNow, and financial-services-specific ecosystems. We simplify integration, automate processes, improve operational efficiency, and support faster delivery of banking products and services.

CASE STUDIES

How we make an impact

SIX - Sustainable mainframe for critical financial market infrastructure

Atos supports the SIX Group with secure and reliable mainframe service management, ensuring long-term operational continuity of a mission-critical financial information system despite talent shortages

Read the case study