Security, Resilience and Speed: Payment solutions for Financial Services and the Retail Sector.
The UK payments landscape has rapidly evolved recently, driven by open banking, instant payments, and rising customer demand for speed, security, and convenience. But with innovation comes risk — and financial crime has become more sophisticated, blending fraud, scams, and money laundering across digital channels. For both financial services and retailers, the challenge is clear: protect customers and systems without compromising experience.
At CBS, we understand the urgency to modernise payment infrastructures, integrate robust fraud controls, and stay ahead of ever-changing regulatory expectations. Whether you're upgrading transaction platforms, implementing AML solutions, or navigating ISO 20022, our change specialists bring the expertise to deliver secure, compliant, and customer-focused transformation.


How Does Change Management Help?
A structured approach to change management in the Payments and Financial Crime space helps to ensure a holistic assessment of risk and opportunity, helping to make the choices that will strike the right balance between seamless customer experience and controls necessary to prevent financial crime.
By ensuring all stakeholders’ views are considered and carefully outlining options and implications ahead of key solution design decisions, our SMEs will work with you to establish confidence that you’re doing the right thing.
Then our expertise in change delivery will help to make sure the outcomes you want are achieved.
Why Choose Us?
Within CBS we have decades of experience of working with Financial Services and Retail clients to deliver the outcomes that matter for their customers.
We bring a fantastic blend of deep domain expertise in digital automation, payments, risk and regulatory change to any challenge in this area and look forward to helping you improve customer experience and control in this space.

Our Areas of Expertise
Useful information about specific areas of the change process can be found on the following pages:
Discuss Your Project Brief With Us
At CBS Change Partners, we specialise in delivering exceptional services tailored to your specific project brief. We are eager to discuss the following with you:
Project Scope: Share objectives and requirements for a clear understanding.
Challenges & Opportunities: Address obstacles and explore potential benefits.
Desired Deliverables: Define project outcomes to align expertise and goals.
Timeline & Resources: Establish realistic schedule and allocate necessary resources.
Collaboration & Communication: Foster open dialogue for successful project delivery.
Budget Considerations: Work within financial framework for cost-effective solutions.
Our Clients
From Global Banks to Mutuals and Credit Unions.
Investment & Wealth Managers to Insurance providers.
Retailers, Fintechs and Public Sector.
For 20 years some of the UK's strongest brands have worked with CBS as their Trusted Change Partner.


Testimonials
CBS were key in helping us structure a very complex and challenging project, giving us the necessary expertise to generate momentum.
CBS has helped us focus our efforts on
shaping and realising an effective data
governance agenda.
CBS developed valuable scenario plans to
assess options for delivering our strategy
which provided a clear way forward based on
an optimised approach.
CBS consistently supplied high quality
domain SMEs who purposefully led and / or
contributed strongly to some of our key
programmes of the last 5 years - always
behaving with our best interest to the fore.
CBS brought great payments and change
domain experience to bear, with a calm
focus on delivering change smoothly using
strong change discipline fundamentals and a
constructively challenging approach to
addressing issues.”
As an Executive Sponsor I appreciated the
support provided by CBS in delivering an
initiative that was business critical where a
delay on the delivery date was not an option.
CBS played an integral part in the
development of our strategic response to
tough and challenging market conditions.
They always cut through the analytical fog
and drive out what matters.
CBS really helped us to shape and drive key
projects through to delivery.
CBS were key in helping us structure a very
complex and challenging project, giving us
the necessary expertise to generate
momentum.
CBS’s experience, professional approach and
delivery focus, provided us with an
exceptional level of support of the highest
quality.
At Fiserv Inc I had the pleasure to work with a number of the CBS team as we developed and deployed Agiliti - the SaaS banking platform which was used by banks like Tandem Bank.
The team took the lead on a number of key areas of the programme. For example: design, risk, payments, infrastructure, procurement and PMO.
The CBS colleagues displayed a number of common and critical attributes: industry knowledge, subject matter expertise, teamwork, communication and work ethic. But the attribute which best reflects the CBS individual, team and business is integrity.
It’s been great working with CBS over many years. They’ve supported our JLP Payment strategy and provided us with insight and expertise along every step of our journey.
Case Studies

Case Study
Open Banking Payment Services Directive 2 (PSD2)
Tesco Bank
CBS was engaged by Tesco Bank to bring project management knowledge and expertise for delivering a complex digital transformation within compressed timeframes, whilst at all times maintaining the highest levels of governance
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Case Study
Wilmington Trust Core Banking Platform Procurement
Wilmington Trust
Selection of core banking and payments platforms for US Bank entering UK market.
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Case Study
John Lewis Partnership –Customer Payments Review
John Lewis
Payments provider review for UK blue chip retailer.
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Case Study
Zego Risk Framework
Zego
Review and implement risk management frameworks for B2B and B2C fast growing European digital insurance company.
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Case Study
Part VII Preparation
Tesco plc and Barclays Bank UK
Review Part VII programme and preparation the remediate issues.
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Case Study
Back Book Migration
Sainsbury’s Bank exit from Lloyds Banking Group (LBG)
Loan product offboarding and associated service changes.
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Case Study
Fiserv, Agiliti, Software-as-a-Service Retail Banking Platform
Fiserv Inc
Support software developer in proposition development, delivery of software and implementation with clients.
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Case Study
M&T Bank – March 2023
M&T Bank
Lead a review of core banking platform contract and remediate issues.
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Case Study
John Lewis Financial Services Credit Card Migration
John Lewis
Providing industry insight to support in platform selection process.
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Case Study
Secure Trust Bank – Loan Product Offboarding
Supporting specialist bank in offboarding loan book.
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Case Study
John Lewis Partnership Payment Services Directive 2
John Lewis
Supporting a UK blue chip retailer respond to changes in e-payment regulations.
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