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Business Process Services
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Modern AI-integrated banking BPO services

The playbook for growth is being rewritten. We believe the future belongs to the modern enterprise that embraces AI-integrated business operations—a business that can anticipate and act instantly to boldly seize opportunities amid rapid change.
We help clients rethink how they create value, innovate and grow by combining business and process expertise in banking and financial services with intelligent digital platforms to optimize business operations through business process services.

From ambition to impact: Are you ready for agentic AI?

Agentic AI is the boardroom mandate reshaping enterprises at breakneck speed. The real question isn’t what it can do, but whether you are ready to close the AI velocity gap and deploy it at scale with measurable impact.

Confronting the AI velocity gap: A new architecture for AI operations

Deconstruct agentic AI and confront implementation challenges with a pragmatic blueprint to deploy at scale and deliver measurable impact. Explore Straight Through Processing, transition from HILT to HOTL, and leverage a four‑stage maturity model to guide your agentic AI journey.

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From architecture to intelligence: Building the agentic technology stack

Design operations with pragmatic architecture centered on agentic systems. Explore agents, networks, and context engineering, gaining a blueprint to embed intelligence, innovate at AI speed, and maintain integrity. Use our playbook to progress from readiness to deploying scalable agents confidently.

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The business of agentic AI: Costs, commercial models and the path forward

Shift focus from architecture to execution with a pragmatic lens that tackles the overlooked TCO of agentic systems. Explore impact on workforce models, commercial constructs, ownership, risk, speed, and partnerships. Gain actionable insights and a framework to scale intelligent operations confidently.

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Business outcomes and strong ROI

$10M 

savings in five years

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97% 

faster mortgage handling

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94%

lower loan closing costs

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28%

loan-approval increase YOY

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40–60%

increase in efficiencies

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8X

lower fraud costs

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An agentic AI solution, that brings together intelligence, accuracy and human insights to simplify and scale wealth management operations.

Experience streamlined endorsement processing that is faster, smarter and accurate, with our AI-powered agentic platform.

Intuitive experiences, game-changing efficiency and banking BPO innovation

As leaders in next-gen banking business process services and automation solutions, we partner with our clients to build modern operations that are fast, efficient, human-centered—and help them achieve a competitive advantage.

We use technology, data and digital disruptor plays, as well as new commercial models and co-innovation to deliver higher productivity, increased revenue and intuitive experiences for customers and employees. 

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Rising above uncertainty

The ability to strategically reduce costs and invest in new revenue streams is extremely valuable in volatile times.

The implementation of modern operations enables businesses to act with insight and speed—predicting trends, identifying new growth areas and balancing efficiency with innovation.

By modernizing business operations, your organization can anticipate the steps needed to accelerate growth and scale.

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Banking BPS and automation services

Digital payments solutions

Simplify and secure your payments processes and platforms for today’s fast-evolving digital marketplace.

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Cognizant® Real-Time Payments

Respond with tomorrow-ready capabilities to retain customers, regain profits and maintain centrality in the BFS ecosystem. Branded digital wallets offer your customers anytime, anywhere commerce.

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Finance and accounting

Generate new business value from finance and accounting.

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Mortgage operations solutions

We’re a NMLS licensed mortgage outsourcer with 5,000+ associates. Our business process outsourcing (BPO) relies on behavior-led touchpoints and omnichannel services to improve customer satisfaction and reduce risk.

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Intelligent automation services

Get your business future-ready with industry-aligned IT and process automation solutions.

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Cognizant Neuro® Business Processes

Simplify and accelerate automation adoption, integrate and orchestrate resources and see returns faster.

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Omnichannel customer care

Deliver the intuitive experiences customers demand.

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Marketing operations

Increase speed, efficiency and insights; get better marketing ROI.

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Business ops to accelerate scale

Grow digitally native scale-ups and new revenue streams at the speed of ideas.

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Employee experience enterprise services

Find out how you can deliver persona-based employee experiences at scale.

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Insights

The five bold ambitions of future-ready BFSI GCCs

This impact report, created by Cognizant and HFS Research, offers a bold view of today’s challenges and a clear roadmap for how future-ready GCCs can redefine leadership in BFSI with purpose, agility, and innovation.

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AI-Powered FNOL and Damage Assessment

This whitepaper explores how AI can modernize FNOL and damage assessment to make insurance claims faster, smarter, and more human‑centric.

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The enterprise guide to agentic AI

This white paper provides a comprehensive framework for enterprise Agentic AI adoption.

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The next frontier in credit with autonomous agents

Explore how multi-agent AI automates financial spreading and accelerates credit decisions, improving accuracy, compliance and risk management while paving the way for explainable AI and advanced analytics.

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From cost cutting, to cost optimizing

Four ways businesses can ensure their spending decisions meet short- and long-term business goals.

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Cards and payments outlook 2023: 6 key trends

With competition among new and established players, abetted by new technologies and payment models, the next year for cards and payments promises to be dynamic.

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Banking outlook 2023: 6 key trends

A possible recession, combined with heightened demands from customers and the continued shift to digitization, present a challenging year for the industry.

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Here’s the missing piece of financial services ESG

To improve ESG disclosures and investment decisions, financial services firms need to develop an effective data management strategy with these four components.

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Banking and capital markets: Building on today’s successes to address the future

After years of modernizing, banks, asset managers and financial intermediaries have more to do, especially in core modernization, personalization and rethinking the intuitive operating model.

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Cognizant named a Leader and Star Performer in The Everest Group Banking Operations Services PEAK Matrix® 2025

Cognizant’s AI-first delivery model, deep banking domain expertise, and our proactive approach to identifying automation opportunities that deliver real, measurable outcomes for clients helped us stand out.

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Cognizant named a Leader and Star Performer in The Everest Group Banking Operations Services PEAK Matrix® 2025 Badge
Cognizant recognized as a Leader in Everest Group’s Payments BPS PEAK Matrix® 2025

Cognizant’s strong capabilities in core processing, disputes, fraud, and reconciliation, along with a modern operations vision with generative and agentic AI gave us the edge.

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Everest Group Peak Matrix leader Payments BPS 2025
Everest group names Cognizant a Leader in Financial Crime and Compliance (FCC) Operations Services PEAK Matrix® Assessment 2025

Cognizant is elevating FCC with AI tools that accelerate onboarding, alert triage, and investigations, earning industry acclaim. Find out how we're setting new benchmarks and smarter compliance.

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Avasant names Cognizant a Leader in Banking Process Transformation 2025 RadarView

Cognizant has been recognized as a leader among providers offering banking process transformation services by Avasant Group.

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Cognizant named a Leader in the Avasant Banking Business Process Transformation 2023 RadarView

We earned high marks for our domain expertise and future-focused strategy services supporting financial institutions as they seek to modernize operations around payments and cards, core banking and risk and compliance.

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Cognizant named a leader in the Everest Group Lending Services Operations PEAK Matrix® 2024

We are proud to lead the way in financial innovation, helping clients streamline operations in a dynamic lending market. Everest Group has recognized Cognizant for its comprehensive services, strong partnerships, diverse client portfolio, strong global presence, robust delivery capabilities and innovative in-house offerings. 

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Cognizant Named a Leader in Avasant's Mortgage BPT RadarView™ 2024

Cognizant was recognized for our deep domain expertise and integrated approach that combines consulting, IT prowess, and BPS to deliver holistic solutions that enhance efficiency and foster innovation.

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Explore additional business process services

Modern BPS

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AI business accelerators

Speed your adoption of AI and Automation using our pre-configured solutions for business processes

AI Training Data Services

Fast-track AI models from concept to value

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Join our team

Empower your career and future-proof your skills while you help the world’s most influential companies, including marquee Global 2000 clients and Silicon Valley heavy hitters, win with intuition. Join the industry leader.

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Take the first step

Serving customers by looking forward as well as back is a big promise, but the power of today’s new digital capabilities in banking BPO services is vast and growing.

Let’s talk about how digital can work for your business.