Regional Bank Embraces Digital Solutions For Online And Mobile Capabilities

This case study showcases how a leading regional bank partnered with Cognizant to overhaul its digital banking experience. Facing rising customer demand for mobile-first, self-service solutions and competitive pressure from more digitally advanced institutions, the bank needed a modern platform that could reduce call center costs, improve customer engagement, and build loyalty. Cognizant developed a custom integrated platform that consolidated financial data across services and providers, delivering features such as biometric authentication, mobile check deposits, real-time credit monitoring, person-to-person transfers, and a personal financial management program.

Through rapid Agile sprints and deep collaboration, the solution enabled the migration of 3.5 million customers to the new platform within 23 months, while achieving over 375,000 app downloads and significant loyalty program adoption. The modernized system reduced maintenance downtime from hours to minutes, ranked among the top five in the Javelin Mobile Banking Scorecard, and created new opportunities for cross-selling and upselling. Download the full case study to see how digital transformation in banking can drive measurable results and long-term customer growth.