EY refers to the global organization, and may refer to one or more, of the member firms of Ernst & Young Global Limited, each of which is a separate legal entity. Ernst & Young Global Limited, a UK company limited by guarantee, does not provide services to clients.
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Banking & Capital Markets
Banking and capital markets are undergoing profound change. Economic volatility, shifting customer expectations and rapid technological advances are transforming how banks operate, compete and create value. As innovation accelerates, leaders face growing complexity across business models, risk and technology – with long‑term consequences for performance and trust.
56k
dedicated banking and capital markets professionals
94%
of top 100 banks’ assets are held by EY banking clients
US$1b+
annual investment in data, tech and AI to solve client challenges
Solving your complex challenges
- Growth and CX
- Tech and data value
- Unlocking productivity
- Risk and regulation
- Workforce transformation
CHALLENGE
Driving sustainable growth through customer-centric, digitally enabled transformation
Banks face pressure to grow in volatile markets while meeting rising customer expectations. They must modernize products, journeys and digital experiences, develop new revenue streams, and balance innovation with resilience and transition finance needs.
HOW EY CAN HELP
EY helps banks design compelling propositions, improve customer engagement, accelerate innovation, and support both organic and inorganic growth. Our customer experience, Studio+ and strategic advisory teams help enable faster, more sustainable value creation.
- Reimagine customer journeys: Improve engagement and satisfaction through redesigned end-to-end experiences powered by Studio+ and human-centered design.
- Accelerate innovation: Enable rapid development of new digital products and hyper-personalization, and unlock data-driven growth opportunities.
- Support growth strategy: Strengthen competitive positioning through market analysis, portfolio optimization and M&A support.
- Unlock investment capacity: Improve cost discipline and reallocate resources toward strategic growth initiatives.
FEATURED
Consumer banking and wealth services
EY consumer banking and wealth teams implement integrated solutions to help with profitable growth, operational excellence, and safety and soundness priorities by combining deep market knowledge, innovative thinking and advanced technology.
CHALLENGE
Unlocking value from technology, data, AI and digital platforms
Banks invest heavily in technology but struggle to demonstrate clear ROI. They must modernize platforms, strengthen data foundations and adopt AI and digital assets to unlock value, manage risk and enhance customer and operational performance.
HOW EY CAN HELP
EY helps banks prioritize investments, modernize core platforms and scale AI and analytics responsibly. Our teams help enable measurable ROI by improving data quality, accelerating payments modernization and supporting digital asset adoption.
- Maximize ROI: Prioritize, sequence and optimize technology investments for measurable impact.
- Modernize platforms: Enable cloud, payments modernization and digital asset capabilities to support growth.
- Scale AI: Deploy responsible AI while building internal capabilities to improve productivity, insights, customer experiences and risk management.
- Unlock data value: Strengthen data quality, governance and analytics to enhance decision‑making and efficiency.
CHALLENGE
Transforming operations and business models for greater productivity and efficiency
Banks must increase productivity, reduce structural costs and adopt new operating models that enable speed and scale. They also need to operate more efficiently with artificial intelligence (AI), global capability centers (GCCs) and managed services.
HOW EY CAN HELP
EY helps banks accelerate transformation by leveraging AI, global sourcing and deep domain expertise. Our approach boosts productivity, reduces structural cost and helps enable scalable, enterprise-wide operational excellence.
- Optimize operating models: Redesign business, operating structures and enabling platforms to improve efficiency and resilience.
- Scale global delivery: Evolve GCCs into hubs for enterprise automation, analytics and continuous improvement.
- Advance strategic sourcing: Deploy outsourcing and Build‑Operate‑Transfer models.
- Enable new ways of working: Modernize processes, upskill talent and strengthen change management.
CHALLENGE
Managing an increasingly complex and interconnected risk and regulatory landscape
Banks face rising regulatory expectations, emerging digital and AI risks, and growing pressure to strengthen governance, controls and resilience. They must manage fragmented regulatory requirements while protecting trust and ensuring operational continuity.
HOW EY CAN HELP
EY helps banks build effective risk frameworks, strengthen governance, modernize compliance and integrate emerging risks – including cyber, AI, Environmental, Social, and Governance (ESG) and digital assets – into enterprise strategies.
- Strengthen risk management: Build robust frameworks, real‑time reporting and stronger risk culture.
- Modernize compliance: Improve efficiency and consistency across global regulatory requirements.
- Enhance resilience: Support remediation, exam readiness and operational continuity.
- Manage emerging risks: Integrate AI/ML, digital asset, cyber and ESG risks into enterprise risk planning.
CHALLENGE
Building future‑ready talent, skills and organizational models
Banks face widening digital skills gaps, hybrid work expectations and growing needs for AI, data and customer‑experience capabilities. They must modernize talent models to attract, retain and develop future‑ready teams.
HOW EY CAN HELP
EY helps banks redesign workforce strategies, strengthen digital skills, modernize HR technology and support cultural transformation. Our Learning Managed Services accelerate capability building at scale.
- Transform talent models: Build skills‑based, digital‑first workforce strategies.
- Accelerate capability building: Deploy Learning Managed Services to scale AI, tech and leadership skills.
- Enhance culture and change: Lead organization‑wide programs that build agility, innovation and resilience and inclusive leadership.
- Modernize HR: Improve employee experience, analytics and hybrid‑work enablement.
Explore our offerings
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