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From legacy systems to a modern, agile, and compliant digital core
PwC’s Digital Core, CLM, and IT Strategy for Financial Institutions
Tech Strategies for Financial Institutions
Modernise your core, orchestrate client journeys, and align IT with business value. PwC’s Tech Strategies combine digital core transformation, end-to-end client lifecycle management (CLM), and forward-looking IT strategy to create a resilient, compliant, and agile technology foundation.
The result: faster innovation, lower costs, stronger compliance – and a connected digital core built for the future of financial services.
“Modernising the digital core is not just an IT upgrade – it’s a business imperative for financial institutions to compete, comply, and connect with clients in new ways.”
Align technology with ambition
We don’t just deliver technology. We deliver business transformation.
Financial institutions face rising client expectations, regulatory scrutiny, and margin pressure. PwC helps banks, insurers, and wealth managers modernise their digital core, implement client lifecycle management (CLM) across the full client journey, and define IT strategies that accelerate time to market, reduce costs, elevate experiences, and strengthen compliance – safely and at scale.
Introducing PwC’s digital core, CLM, and IT strategy offering for financial institutions
PwC’s Tech Strategies help financial institutions build a resilient, data-driven, and future-ready technology foundation. Our approach unites three critical pillars:
Digital core transformation
Cloud-native, modular, and resilient platforms that enable scalability, agility, and real-time insights.
Re-platform or progressively renew legacy systems while adopting cloud-native, API-first architectures. A robust data fabric ensures consistent, trusted client and product data. Open-finance capabilities enhance agility, security, and client trust, supported by high availability, disaster recovery, observability, and site reliability engineering built in by design.
Client lifecycle management (CLM)
Integrated, compliant, and personalised client journeys from lead generation to offboarding.
Connect the entire client journey - from lead generation to offboarding - through integrated digital and advisory workflows. Enable end-to-end self-service online or mobile, while case managers combine physical and remote advice in one workbench. Personalisation, compliance, and automation across channels ensure transparency, efficiency, and superior client experiences.
IT strategy and operating model
Business-aligned architectures and roadmaps that link technology investment directly to value creation.
Define a business-aligned IT strategy and multi-year roadmap that sets clear priorities for transformation. Establish a target architecture and rationalise the application portfolio to reduce complexity and cost. A product-centric operating model enables agility at scale and turns IT from a cost centre into a growth driver.
Together, these elements create a modern tech backbone that powers growth, efficiency, and trust.
“By orchestrating CLM, digital core, and IT strategy, we help financial institutions align technology with value, resilience, and client experience.”
Prafull SharmaPartner Technology Strategy & Transformation, PwC SwitzerlandOur approach
Our proven delivery framework ensures every transformation moves from vision to value:
- Discover: assess the current state, pain points, and risk or cost hotspots to identify quick wins.
- Design: define the target architecture, prioritised roadmap, and an investment case tied to measurable value.
- Build: deliver iteratively with automated testing for speed and quality.
- Adopt: drive change management, training, case manager enablement, and operating model shifts for lasting impact.
- CLM execution: orchestrate journeys across self-service and advisor-led modes with clean handoffs and a single client view powering screening, KYC, servicing, and offboarding.
The value for your organisation
Our Tech Strategies deliver tangible business outcomes for banks, insurers, and wealth managers:
- Lower run costs and reduced complexity through core modernisation and cloud enablement
- Faster time to market via modular, API-first architectures
- Higher client satisfaction through personalised, omnichannel CLM
- Stronger compliance and resilience across KYC/AML, privacy, and operations
In short: less friction, more focus – and a technology foundation ready for the future of financial services.
Why PwC for Tech Strategies?
PwC is a trusted transformation partner for leading financial institutions worldwide. Our teams combine deep banking and insurance expertise with technology and regulatory know-how to deliver results that go beyond implementation.
With a proven track record in core modernisation and client lifecycle management, we bring human-led, technology-powered delivery that drives measurable outcomes. Through strong partnerships with leading cloud, fintech, and platform providers, we help clients innovate while upholding the highest standards of data privacy, ethical AI, and digital trust.
With PwC, your transformation is not just future-ready – it’s value-ready.
Ready to modernise your digital core?
Contact us to explore how PwC’s Tech Strategies can help you accelerate transformation, enhance compliance, and deliver exceptional client experiences.
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Contact us
Partner Technology Strategy & Transformation and Technology & Data FS Leader, PwC Switzerland
+41 58 792 18 72
Driton Thaqi