Attract and Retain
Helping banks win and keep customers through faster decisions, personalised experiences, and connected channels. The data and governance sit underneath. Customers stay for the long term.
Turn banking technology into commercial advantage
Softcat helps retail banks grow revenue, deepen customer relationships, and run more efficiently. Specialists turn technology into commercial advantage across every area.
Technology that supports growth, efficiency, and better service for retail banks
We connect data, AI, platforms, security, and workspace under one operating model. Each priority maps to a clear business outcome, delivered within risk appetite.
The numbers behind the pressures on Retail Banking
Every part of retail banking is being reshaped by the same forces. Customers are going digital, AI is rewriting cost models, and resilience is under public scrutiny. These verified figures show the scale of the challenge, and the opportunity for retail banks.
of UK adults now hold a digital-only bank account, up from 40% in 2025.
cost reduction for banks from agentic AI, in McKinsey's most likely scenario.
hours of unplanned IT outages at the UK's nine largest banks over two years, across at least 158 incidents.
Five technology towers driving transformation
We deliver coordinated capabilities across five connected technology areas. Each works with the others under a single operating model, so banking priorities are met without gaps.
Data, Automation & AI
Put AI into production with the data foundation, governance, and infrastructure decisioning depends on. Automate processing and surface fraud earlier.
Cyber Security
Build security foundations that satisfy regulators and protect customers. Continuous monitoring and governance keep operations resilient under pressure.
Hybrid Platforms
Modernise the platform estate to cut cost and improve resilience. Cloud-ready architecture supports payments, AI, and reporting workloads.
Networking & Connectivity
Connected branches, contact centres, and partners on a secure, reliable network ensure services stay available where customers and colleagues need them.
Workspace
Providing the devices, collaboration tools, and service management colleagues rely on. Secure access supports productive hybrid working.
Services for banking transformation
Softcat supports retail financial services firms balancing legacy systems, innovation, and regulation. With insight from 2000+ organisations, we guide customers across key technologies on the decisions that matter
Katharine Wooller
Chief Strategist, Financial Services, Softcat
World class vendor solutions
Make every investment count
Tell us what good looks like for your business. We bring the questions that reveal opportunity and the specialists who can deliver.
- Tell us what good looks like for your retail bank
- Talk to our specialist team across any of our tech towers
https://www.finder.com/uk/banking/digital-banking-statistics
https://www.mckinsey.com/featured-insights/week-in-charts/bankings-agentic-ai-opportunity
https://committees.parliament.uk/committee/158/treasury-committee/news/205611/more-than-one-months-worth-of-it-failures-at-major-banks-and-building-societies-in-the-last-two-years/
https://www.ukfinance.org.uk/news-and-insight/press-release/fraud-report-2026-press-release