EPAM Financial Services
The Global Trends Shaping Financial Services
The financial services sector faces rapid and profound changes driven by new customer expectations, intensified regulatory pressures and competition from Big Tech, digital banks and blockchain-based innovators. AI and GenAI now adds another dimension of disruption, opening powerful opportunities for personalization and significant efficiency gains.
As a global leader in software engineering and IT consulting, EPAM empowers financial services organizations by leveraging our deep industry expertise to create innovative digital transformation solutions.
This means harnessing technology, data infrastructure and cloud-first platforms to enable continuous product and service innovation and customer experiences in real-time.
In financial services, our purpose is to enable our customers to be competitive and disruptive in the marketplace while them to successfully navigate through multiple waves of technology and social change.
Strengthen Customer Engagement
Deliver seamless, intuitive and personalized experiences to win loyalty and drive growth.
Boost Innovation with Advanced Tech
Harness AI, Blockchain and cloud-first solutions to unlock opportunities and streamline operations.
Build Scalable, Resilient Ecosystems
Modernize systems to create secure, flexible infrastructure for regulatory compliance and agility.
Leverage Data for Smarter Decisions
Use AI and analytics to deliver actionable insights, optimize strategies and empower data-driven decision-making
Our Offerings
Digital Banking
At home, on the go or in the store, retail banks need to support an increasingly fluid customer. Banks must adjust internally to provide seamless customer experiences. It requires a holistic vision that cuts across traditional siloes and aligns the organization around the direction of the customer journey. Omnichannel doesn’t mean investing in everything everywhere. A customer-centric channel strategy maximizes channel strengths and keeps a focus on ROI. Platforms ensure the mix is not static, but adapts at speed based on market need.
Wealth Management
Through our proven services framework, we can help your wealth management firm redefine its value proposition, build next-gen digital platforms and prepare your business for the future evolution of the industry to thrive through multiple waves of technology change.
We approach transformation holistically to build digital platforms that innovate and streamline your business and service offering to exceed customer expectations.
Payments & Cards
In today’s market, integrating payments solutions to provide trusted and seamless customer journeys is becoming more complex than ever, due to a variety of factors, including:
- FinTech disruption of existing business models
- The proliferation of payment methods
- Regulation deliberately encouraging transformation in Financial Services
- The rise of instant payments solutions
In this new paradigm, we are well-positioned to guide you through the evolution of the payments industry. EPAM’s Payments group works across the spectrum, from central banks and tier 1 banks to their new challengers. We consult, design and build, delivering integrated or bespoke best in class solutions backed by our world class technology capabilities.
Capital Markets
The global capital markets landscape is undergoing significant transformation, driven by AI, technological advancements, regulatory changes and shifting client expectations. For firms operating in this competitive environment, it is now a strategic imperative to modernize legacy systems and applications responsible for trading, risk management, reporting, compliance and more. EPAM is here to help.
We work with the world’s top financial services providers. That’s why 8 out of 10 of the world’s largest investment banks rely on EPAM, and why we serve over 150 90 clients within the capital markets industry. With over 4,000 practitioners with capital markets knowledge and expertise, we’re ready to put our extensive experience to work for you.
RegTech & Compliance
Our Regulatory Compliance solutions are designed to empower your organization with the knowledge and tools needed to stay ahead of the ever-evolving regulatory landscape. Our team of regulatory specialists are dedicated to demystifying regulatory complexities, providing you with the guidance and support necessary to ensure your operations align seamlessly with industry standards.
We have a proven track record of reducing the spend of our clients by introducing tooling, automation, training, resource rationalisation, best practices in areas of cloud, devops and application rationalisation. We can support our clients on their transformation initiatives.
FinTech, Blockchain, AI
The implementation of AI is no longer a luxury, it’s a necessity for financial services organizations looking to optimize processes, drive automation and deliver on the evolving expectations of customers. Leveraging AI, EPAM can help you:
- Foster data-driven Decision-making – AI analyzes vast data sets to provide valuable business insights.
- Boost Efficiency – Automates tasks, cuts costs, and improves productivity, with up to 30% of tasks automatable in 60% of jobs.
- Create a better customer experience – AI-powered tools enhance support, speed, and 24/7 service, boosting satisfaction.
- Enhance operations – Essential for security, compliance, audit, and core operations.
Attract top-tier talent – AI adoption attracts top professionals eager for cutting-edge work.
Success Stories
Recognition
Financial Services Consulting Competency
EPAM provides specialized solutions for the financial and banking industry on AWS. We help financial institutions modernize their infrastructure, improve security and comply with regulatory requirements, enabling innovation, flexibility and improved user experience.
Top IT Service Vendor in UK & Ireland 2024-2025
Ranked number 1 by clients in the UK&I for financial services and technology innovation, EPAM has established itself as a leading IT service provider across overall customer satisfaction, account management, service delivery and application services.
Learn More About Our Tools
Institutional-grade trading system used for automated market making, hedging and arbitrage of digital assets.
- Trade multiple crypto pairs seamlessly across exchanges and liquidity pools.
- Automate market-making and pricing arbitrage strategies with ease and precision.
- Configure robust risk rules and hedging logic to protect your trades.
- Gain real-time insights with detailed monitoring and reporting tools.
Institutional-grade, highly customizable trading platform for secondary markets spanning all asset classes.
- Trade crypto seamlessly with ultra-low latency and high-performance engines.
- Customize risk models, UI, and branding to fit your business needs perfectly.
- Automate trading strategies for market making, hedging, and price arbitrage.
- Access real-time data streaming and intelligent analytics for informed decisions.
TimeBase-Enterprise Edition is a high-performance time series database and streaming system that has been deployed for over 15 years in the financial domain.
- Handles historical and real-time data with seamless back-testing integration.
- Minimizes latency with microsecond precision for fast decision-making.
- Easily scales from local setups to enterprise-grade clusters.
- Supports diverse time-series data, including market, news, and custom feeds.
Ideal solution for exchanges, sell sides and program trading operations. Specifically designed to deliver high performance and currently deployed in some of the most demanding environments
- Simulates buy-side/sell-side workflows for robust FIX system validation.
- Creates repeatable test scenarios for efficient debugging and compliance.
- Automates FIX message generation to streamline testing processes.
- Supports all FIX protocols for universal coverage and custom extensions.
FIX Smart Order Router combines message routing and transformation functionality to check pre-trade risk rules
- Ensures best execution by analyzing real-time and historical trading data.
- Reduces execution costs with automated and efficient venue selection.
- Easily integrates with reporting systems for seamless strategy execution.
- Provides 24/7 global support with easy monitoring and administration tools.
FIX Trade Capture & Drop Copy is a fully automated solution to retrieve trades and orders from FIX compliant venues
- Automates trade capture and drop copy retrieval for seamless operations.
- Recovers missing data with advanced tools to ensure data completeness.
- Reduces deployment time and operational costs with pre-certified solutions.
- Easily integrates with trading platforms and supports diverse connectivity modes.
Want to learn more about our financial services?
Latest Updates
Time-Series Database Imperative: How Smarter Data Infrastructure Cuts Costs Without Sacrificing Speed in Quant Trading
May 13, 2026 | 12 min read
The Resonance Test 99: How EPAM Helped Bring to Life a Bold New Vision for the Future of Syz Bank
December 16, 2025 | 26 min audio
Computer Science vs Software Engineering: How They Work Together
September 8, 2025 | 13 min read

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