Wholesale banking services

In Financial services

Rapid technology advances are reshaping the entire banking ecosystem, and wholesale banking is not immune. Banks are finally shifting their focus back to growth,  placing an increased emphasis on client experience, new technology and operational efficiency.

What EY can do for you

In the fast-changing digital world, banks recognize the need to adapt and innovate in order to grow. In wholesale banking, that means increased process efficiency, more effective use of data and an enhanced client experiences.

EY can help banks understand where they are now – and why they are where they are – before planning the next steps on their journey toward improved business performance in wholesale banking and credit operations. Fundamentally, we help wholesale banks ensure they have the right strategy, best technology and focused talent to satisfy rising market expectations and shifting regulatory requirements.

Our focus areas include:

  • Transformation: business strategy, core systems, target operating model, business case development and conversion support
  • Digital enablement: integrated client platforms, rapid FinTech assessments, robotics proof of concepts, process automation, platform conversion, innovation design
  • Optimization: process efficiency and improvement in key operations
  • Data analytics and insights: client onboarding, performance measurement, risk analytics

Reimagining the future for wholesale banking

EY’s wholesale banking advisory services are led by professionals with experience across commercial lending, transaction banking, treasury and cash management products, covering domains such as operations, technology, digital and robotics, risk and compliance, and data and analytics. Our team members have long and successful track records serving as underwriters, lenders, credit officers, treasury and payments senior managers, and bank examiners.

EY has launched its global network of growth and innovation centers to help clients catch the next wave in radical breakthroughs in business transformation by tapping into innovative thinking across EY disciplines, experience and industries. In addition, we have several active partnerships and collaborations within the FinTech industry, both as an investor and an innovator.

We continually monitor the market for potential innovations. This market research enables companies to support or accelerate the achievement of specific elements of their strategic plan. For example, the results of our annual Wholesale Transaction Banking and Credit Operations Surveys help banks understand their current practices and how they compare with their peers. Analysis of the findings also suggests a way forward in enhancing these operations in ways that can help banks spark the growth they seek. The course forward is likely to be defined by increased digitization and automation of back office processes, and better understanding and use of data, especially in credit operations. While every bank must develop its own business case and investment plan, we believe these steps are necessary for many banks.

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