Featured Insights
2026 Enterprise AI Study | Banking and Capital Markets: From adoption to lasting advantage
Everest Group Report: Integrate data & intelligence to achieve 41% revenue growth in banking
Hyperpersonalization: A game-changer for banking and capital markets
Where we operate
Retail banking
Digital onboarding, lending, and personalized banking experiences powered by AI-driven decisioning and real-time behavioral data.
Capital markets
Strengthen risk management, regulatory reporting, and front-to-back-office transformation with trusted data lineage, AI-driven insights, and intelligent risk models.
Fintech
Modernize technology, optimize operations, and accelerate scalable growth with AI-ready data infrastructure and predictive analytics.
Payments & credit cards
Optimize payments with AI-powered fraud detection, dispute resolution, and transaction intelligence to reduce risk and improve performance.
FNBO
EXL has been an incredible partner — bringing innovative thinking and deep financial services expertise to transform how we serve our customers.
Leeds Building Society
EXL helped us understand the future and current landscape around technologies and ultimately what business processes we could take advantage of. I’ve really enjoyed working with EXL.
Their team is always top notch and delivers features and functionality quickly through a consultative approach
"We know AI can transform lending and risk — but we don't know where to start without disrupting the business."
CTO, US Regional Bank
"Regulatory pressure is rising faster than our compliance teams can keep up. We need intelligent automation, not just more headcount."
Chief Risk Officer, Global Bank
"Our data sits across 12 legacy core systems — we can't get a single view of customer risk or profitability."
Chief Data Officer, Commercial Bank
Challenges we've heard from banking and capital markets
"We have AI pilots everywhere but none of them scale. We need a partner who can take us from proof-of-concept to production."
Head of Digital Transformation, Capital Markets Firm
Explore EXL's banking and capital markets solutions across the full value chain
Risk and compliance
Strengthen regulatory readiness with AI driven governance and data lineage
Customer experience
Deliver personalized interactions that increase loyalty, satisfaction, and lifetime value
Data management
Create an AI-ready foundation with trusted, connected, and governed enterprise data
Collections
Improve recoveries with AI powered engagement, behavioral insights, and automation
Digital lending
Accelerate origination with AI driven decisioning and seamless digital experiences
Fraud detection and prevention
Detect financial crime early with AI powered monitoring and anomaly detectionOn small screens, swipe horizontally or use the left and right arrow keys to browse solutions.
Recognized by leading analysts
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Everest Group Peak Matrix Assessment – Major Contender in Financial Crime Compliance (FCC) operations assessment 2025
Teaming with <br><span class="wm-orange-text">top partners</span>
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Frequently asked questions
EXL offers a comprehensive suite of AI capabilities for banking operations including generative AI for document processing and customer interactions, machine learning for credit risk scoring and fraud detection, predictive analytics for customer churn and lifetime value, intelligent process automation for loan origination and compliance, and real-time transaction intelligence. These capabilities are delivered through EXL's proprietary Exlerate.ai platform and integrated with clients' existing core banking infrastructure.
EXL serves the full spectrum of banking and capital markets — retail banking, consumer lending, credit cards, payments, commercial banking, investment banking, asset management, and fintech. We have dedicated practice teams for each segment with deep regulatory and operational expertise.
EXL's solutions are designed for integration with existing legacy infrastructure. We use API-first architecture, configurable connectors for major core banking platforms, and a phased integration methodology that allows AI and analytics capabilities to be deployed without disrupting live operations. Our teams have experience with Temenos, FIS, Fiserv, Oracle FLEXCUBE, and other leading platforms.
Deployment timelines vary by solution complexity. Our FNBO point-of-sale lending platform launched in four months. Our pre-built accelerators, Exlerate.ai platform, and banking-specific data models compress deployment significantly compared to custom builds from scratch. Most clients see initial production value within 8–16 weeks.
EXL has a dedicated responsible AI governance framework covering model explainability, bias testing, regulatory compliance (ECOA, FCRA, SR 11-7), and data privacy. All AI models deployed for credit decisions include adverse action reporting and fair lending validation. We work closely with clients' compliance and legal teams to ensure alignment with their regulatory obligations.
Outcomes vary by solution, but representative results include 20–25% increase in conversion across the purchase journey, 10–15% reduction in fraud losses, 88% reduction in process defects within 6 months, 15% better credit risk discrimination through Transaction Insights, and 10% annual efficiency gains through intelligent automation. We measure and report outcomes through a structured value realization framework.
Let's <span class='o_highlight'>solve it together</span>
Transform banking with AI, data intelligence, and automation that delivers measurable results.
Let's solve it together