BANKING & FINANCIAL SERVICES
Profits Are Up. Confidence Is Down. AI Changes the Equation.
AI can cut a bank's cost base by up to a fifth, or hand that same margin to a faster-moving competitor.
The Banking industry has just announced its most profitable year on record, leaving capital markets sat upright in disbelief. Net income hit an industry high in 2025, yet banks trade at a steep valuation discount to every other sector as investors read a cyclical windfall rather than structural strength. Customer loyalty is waning at the same time: in the US, only 4% of new current-account customers now stay with their existing bank without shopping around, compared to 25% less than a decade ago, while digital-native players capture 60% of new retail customers in France, making threat become a reality. With regulation tightening, fraud scales with the same AI that powers the front office, and every business line is asked to fund its own transformation.
We put AI at the heart of breakthrough transformation. That discipline is what now separates AI winners from AI spenders. It means moving with precision from strategy to industrial-grade execution, with impact clearly measurable in the initial months rather than the next cycle, and with the P&L effect both accelerated and secured.
Where we work
AI-Powered Transformation
Moving banks from AI-enabled to AI-native: redesigning the organization around AI builds a lasting advantage, rather than layering it onto legacy processes. We build the operating model that moves institutions past pilot mode through an expert-based, end-to-end delivery model that puts technology at the backbone of transformation.
Fraud & Financial Crime
Fraud and financial crime are converging; instant payments have compressed detection windows to seconds, and regulators now scrutinize the AI you use to fight back as closely as the risk itself. We build fraud and compliance capabilities that are fast, converged, and defensible under audit.
Data & Analytics
Fragmented, duplicated data is the single biggest brake on AI and analytics ROI, still undermining more than a fifth of banking datasets. We build the data foundations and governance as a data mesh that allows AI to scale.
AI Factory & Core System Modernization
Drawing on our Data & AI DNA, we set up or accelerate AI factories that lift the efficiency of technology teams in alignment with business ambition. In parallel, we modernize the core module by module rather than replacing it in one high-risk leap, providing agility without the multi-year bet.
Customer Growth & Experience
Brand loyalty in banking is fading fast with AI agents becoming the new gateway of reference with financial decisions. We turn data, AI and personalization into acquisition, retention and share of wallet before a chatbot decides for your customer.
Digital Assets
Tokenization is moving from pilot to production: tokenized deposits, funds and repo already run at scale at the world's largest banks. We help institutions define the target operating model, deploy the required infrastructure and establish the governance needed to scale digital asset businesses.
The biggest risk isn't the blockchain. It's disconnected teams. Align strategy, compliance and engineering from day one to launch with confidence.
As asset manager digitize operations, intelligent automation is becoming a core lever for both operational excellence and employee experience
As online lending grows, fraud grows with it, making real-time AI scoring essential to modern consumer credit risk management
Why Talan ?
One team leading strategy to production
We manage strategy, technology, data and AI end-to-end as one line of accountability. The team that sets the ambition is the team that lands it, maintaining all aspects and ownership of the operational results.
Moving beyond the pilot, at bank scale
Most AI programmes stall at the scaling phase: too few skills, too little industrialization. With 2,500+ AI and data specialists and 1,200 financial services professionals, we have the capacity to take a use case from proof of concept to production across an entire business line.
Proving the P&L
TenSquare, Talan's strategy consulting brand, is measured on impact booked rather than recommendations issued. Every engagement carries a value case, a baseline and a reporting line into the finance numbers.
Implementing responsible AI from day one
Responsible AI ranks first among the industry's technology priorities for 2026. We embed governance, compliance and data control into the design of every transformation, so that what scales also passes audit.
Two decades operating in financial services
We have served banks, insurers and market infrastructures twenty years across retail, corporate, capital markets and post-trade. We start the work with a full knowledge of your regulators, your core systems and your margin structure.