From Concept to Market in Six Months
In just six months, a financial services leader launched a credit-building product with innovative technology and a seamless user experience.
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Engineering the Future of
Financial ServicesCreate the Banking Experience Your Customers Demand
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
Global Bank’s UK Call Center Cloud Modernization
A cloud-enabled approach transformed a UK contact center, streamlining workflows, managing complex call volumes and enhancing customer service.
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Driving Digital Transformation with Sitecore
Revitalizing its digital platform, a global investment firm improved customer engagement, cut infrastructure costs by 33% and scaled operations
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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 is 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.
An institutional-grade, highly customizable crypto trading platform for secondary markets spanning across 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 deployed for 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?
Contact our experts today
Latest Updates
Legacy Application Modernization: Strategies, Benefits and Solutions
August 29, 2025 | 9 min read
The Ultimate Guide to Crowd Testing: Benefits and Challenges
June 25, 2025 | 13 min read
Streamlining Insurance Projects with AI-Powered Backlogs: EPAM Project Backlog Generator
July 30, 2024 | 7 min read
Success Stories in Detail
From Concept to Market in Six Months
Objectives and Goals
An established financial services company aimed to launch its first-ever credit card targeted at customers seeking to build their credit. The challenge was to develop a secure, innovative and fully cloud-enabled product and digital experiences while meeting stringent regulatory requirements—all within six months.
How We Delivered
EPAM leveraged strategic consulting, exceptional design and engineering expertise to deliver
- A cloud-enabled infrastructure ensuring scalability and security.
- An engaging mobile app and web/search experience tailored to new credit card users.
- A foundational data lake to power fraud reporting, risk modeling, internal reporting and marketing analytics at scale.
Result
The credit card was successfully brought to market in six months, supported by a future-ready technology foundation. The solution enhanced customer acquisition through an intuitive digital experience, improved fraud detection and regulatory compliance and enabled real-time reporting for better insights across the organization.
EPAM Modernizes a Global Bank’s UK Call Center Using the Cloud
Objectives and Goals
A leading global bank struggled with its UK contact center’s outdated, overly complex technology stack. It needed a solution that could efficiently manage thousands of daily customer interactions, enhance regulatory compliance and ensure seamless, consistent experiences for customers across channels.
How We Delivered
EPAM partnered with the bank to design and deploy a scalable, cloud-based call center solution powered by AWS for infrastructure and Salesforce for customer relationship management (CRM). The new platform enables smart workflows for agents, automates routine tasks and ensures data security while meeting UK-specific regulatory standards.
Result
The cloud-enabled solution allowed the bank to manage high call volumes with increased efficiency, reduced average handling times (AHT) and improved first-call resolution rates. By empowering agents with better tools and streamlined workflows, the bank achieved measurable improvements in both customer satisfaction scores and operational efficiency, while laying a future-ready foundation for its contact center.
Driving Digital Transformation with Sitecore
Objectives and Goals
Customer expectations were at an all-time high and a global investment company wanted to leverage its existing Sitecore ecosystem to improve customer experience. However, the company needed a knowledgeable partner to optimize Sitecore implementation, modernize its brand and deliver results within a tight timeframe.
How We Delivered
As a Strategic Global Sitecore Partner, EPAM worked closely with the client to deliver an optimized Sitecore solution. This included:
- Implementing Sitecore quickly and efficiently to transform the brand into a modern, agile, digital-first organization.
- Managing ongoing support services for seamless operation.
- Optimizing the Sitecore environment to reduce costs and improve scalability.
Result
Through the EPAM partnership, the financial services leader reduced infrastructure costs by 33%, transformed its digital experience platform into a more agile and customer-focused solution and began building a foundation for continuous improvement and long-term digital growth.
Discover why hundreds of enterprises choose EPAM solutions for their business
Experience the trust, innovation and expertise that have made EPAM Systems the go-to choice for millions of entrepreneurs worldwide
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What Experts Say About Us
EPAM is a trusted partner who helped us to innovate in the digital world by engaging customers using social media platforms. I highly recommend their work not only for their professional and processed orientated approach, but also for their mindset to understand our marketing needs and their deep knowledge of the digital environment.
Nicolas Renard
Executive Director, Global Marketing Director of Diversified Brands @ MSD
EPAM's security testing platform was integral to coordinating around our penetration testing effort. The clear status and reporting information empowered us to respond in real time as the testing progressed and adjust our approach based on early findings. This optimized the value we received from the intensive testing effort by focusing on the most fruitful areas and remediating any serious findings as we continued testing
Eric Hilfer
CTO @ Argos Education
I have worked with InfoNgen for over 4 years now and can say the service and support provided has been exceptional.
Chris Bowman
Senior Analyst, Global Competitive Intelligence @ Alcon, A Novartis Company
I am very impressed with the way EPAM made this happen, despite the many hurdles - and the proactive way EPAM came up with alternative solutions to address those hurdles.
Wim Vandenhouweele
Executive Director, Commercial Innovation Leader @ MSD
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