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  • Banking and Finance Banking and Finance

    Modernize your architecture, automate processes, and ensure the security of your financial operations

Banking and Finance transformation: technology, trust, and agility as drivers of the future

The financial sector is undergoing a profound transformation driven by increased demand for digital services. Customers demand immediate, seamless, and personalized access to banking products, which is redefining the relationship between institutions and users. The competitive pressure from new players such as Fintech companies is accelerating innovation in financial services and forcing traditional models to evolve more quickly. This technological disruption requires banks to adapt to more agile, customer-centric environments, with integrated experiences across multiple physical and digital channels.

At the same time, Artificial Intelligence and data analytics have become key pillars to achieve personalization, efficiency, and informed decision-making. Regulation and compliance are also gaining relevance, particularly within the framework of open banking, which requires greater transparency and control over data usage. In this context, security and information protection are consolidated as a strategic priority: Cyber Security is no longer just a technical function, but an essential requirement to maintain customer trust in an increasingly connected financial ecosystem exposed to complex risks.

OUR EXPERTS

  • “

    “In a sector such as banking, where agility and reliability are essential, modernizing business processes is key. Our services provide the necessary technology, guarantee operational efficiency and cost optimization, transforming IT investment into a driver for innovation.”

    Silvia García Nieto

    Silvia García Nieto

    Head of Multicloud and Hybrid Services at Telefónica Tech

BANKING AND FINANCE IN FIGURES

Figures on key trends that are transforming the industry

  • 53%

    of banking executives consider cost savings and optimization as one of the main drivers of modernization.

    Gartner. Banking Technology Survey. 2023

  • 37%

    of consumers use three or more banking providers.

    Gartner. Gartner Omnibus Survey Q2. 2023

  • 49%

    of banking executives consider investing in new technologies a priority in the short term.

    Gartner. Financial Services Business Priority Tracker, Q4. 2023

  • x4.3

    Banks that establish strategic partnerships are 4.3 times more likely to succeed in transforming their business model.

    Gartner. Financial Services Technology Survey. 2022

OUR VALUE PROPOSITION

We drive the digital evolution of Banking and Finance with AI, Big Data, Cloud, and Cyber Security

Telefónica Tech helps organizations integrate multicloud architectures, automate processes with DevOps and containers, transform offices into smart digital spaces, and improve customer service with cloud-based contact centers. Our approach allows you to optimize operations, reduce errors, make faster decisions, and ensure protection against increasingly sophisticated threats. We provide strategic vision beyond technology so that banks can evolve in a secure, efficient, and user-centric way.

Hybrid Cloud

We implement hybrid cloud solutions that enable automatic scaling during peaks in demand, such as financial product launches or quarter-end closings, ensuring the availability and agility of digital banking channels.

More information

Cyber Security & NaaS

We protect banking environments with intelligent Cyber Security and Network as a Service solutions, ensuring cyber resilience, sensitive data protection, and a secure, continuous digital transformation.

More information

IoT & Connectivity

We provide new tools for payments and identification of staff and customers through wearable devices and biometric cards. We also transform bank branches and corporate rooms into smart spaces with collaborative technology, LED screens, advanced audio, and smart lighting, improving communication, customer experience, and operational efficiency.

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Contact Center as a Service

Our cloud-based Contact Center service for banking supports you in managing calls and digital channels with flexibility, scalability, and security—enhancing customer service while ensuring regulatory compliance.

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Smart Corporate Spaces

We transform banking offices and corporate spaces with collaborative technology, large-format LED screens, advanced audio, and smart lighting—enhancing communication, customer experience, and operational efficiency.

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AI & Data

We are revolutionizing the banking sector with AI and Big Data, creating personalized experiences, automating financial content, and improving customer service. We facilitate planning, marketing, and training with intelligent virtual assistants. We also deliver solutions aimed at fraud detection, process automation, and credit scoring.

More information

TrustOS

We accelerate Blockchain adoption in banking with a managed service that integrates easily via APIs with existing systems. We simplify the implementation of digital identity, transaction traceability, and financial asset tokenization solutions.

More information

Business Applications

We drive operational efficiency in the banking sector through process digitalization and automation. We support financial institutions in designing business and customer experience strategies with consulting services and leading market solutions.

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Quantum Safe

We strengthen data security against future threats through analysis and gradual transition to post-quantum cryptography solutions.

More information
Learn more about our solutions

Success Stories

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USE CASES

  • Remote monitoring of ATMs and banking assets
    Financial institutions can monitor ATMs and other critical assets in real time, detect anomalies, automate maintenance tasks, and reduce operational disruptions, improving efficiency and lowering costs.
    More information
    Remote monitoring of ATMs and banking assets
  • Digitalization of the insurance contracting process
    Streamline insurance contracting in banking with a preconfigured solution that integrates AI, automation, and business management to deliver a smooth, connected, and efficient experience for both customers and internal teams.
    More information
    Digitalization of the insurance contracting process
  • Virtual customer service for financial customers
    Automated interaction with banking customers through virtual assistants to resolve inquiries about products, conditions, and services, improving efficiency and user experience.
    Virtual customer service for financial customers
  • Risk assessment and generation of personalized offers
    Advanced analysis of customer data (medical history, financial records, etc.) to personalize banking products such as loans, mortgages, or credit lines based on their risk profile.
    Risk assessment and generation of personalized offers
  • Automation of customer onboarding and offboarding
    Use of artificial intelligence to verify documentation and identify patterns that streamline the process of onboarding or disengaging customers, reducing administrative errors.
    More information
    Automation of customer onboarding and offboarding
  • Forecasting and alerts for proactive management
    Implementation of predictive models (leading indicators) that make it possible to anticipate incidents, renewal needs, or preventive actions, improving operational planning.
    Forecasting and alerts for proactive management

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