Your people, your business

whitePaper | January 15, 2023

A decade ago, not many of us would have envisaged how fintechs would change the credit landscape through digital innovations. Although the share of fintech in the overall lending pie is still small and concentrated towards bite sized unsecured lending, the promise it holds for the future is immense. Fintech-led digital lending is the fastest-growing segment today. The disruptions created by fintech by providing a superior customer experience with a reduced cost of acquisition, a frictionless customer journey, and instant decisioning have revolutionised digital lending in India. The larger impact is in terms of addressing the credit gap and making India more credit-inclusive.

whitePaper | February 13, 2023

In recent years there have been many transformations within banking that have focused on Customer360, the omnichannel experience, AML/Fraud predictions, AI digital assistants to drive operational effciency and core banking modernizations to name but a few. Yet most of them have stayed true to their core business alignment of banks controlling how their customers engage and leverage their product offerings.

whitePaper | March 28, 2023

Real-time processing can offer many benefits for bank treasuries, including improved accuracy, faster decision-making, enhanced liquidity management and improved customer service with faster transaction processing and real-time visibility into customer account balances. By focusing on certain key functions, we can assess which are real benefits to treasury processes, and which may require industry consensus and further investment to become worthwhile. The industry must agree a way forward, weighing cost against benefit.

whitePaper | March 21, 2022

Even after migrating key business processes to the cloud, companies can trip themselves up by continuing manual management of high-volume reconciliations, complex journal entries, and other financial close and accounting processes. This error-prone approach reduces accuracy and visibility, risking business agility and regulatory compliance.

whitePaper | April 1, 2023

“Banking is necessary; banks are not,” said Bill Gates in 1994. As financial services become increasingly embedded into everyday life, the truth of this statement has never been clearer. Customers are increasingly accessing financial services through channels other than the bank. Embedded finance is changing the banking landscape and is expected to have an estimated market value $138 billion by 2026, according to Juniper Research.

whitePaper | November 24, 2021

For retail banks entering a post COVID-19 world, the only way is cloud. Today, the world’s most disruptive banks are in the cloud. For newcomer banks, cloud has been the only option for some time – and the same is increasingly true for established banks as well. Why? Because cloud is not only disruptive in its own right, but also provides the foundation for harnessing other emerging technologies. As the COVID-19 crisis continues to play out, the need for banks to transform digitally using cloud is accelerating by the day. To do this, banks must steer their operations toward a new operating model. One that delivers a highly relevant customer experiences, provides easy access to innovation, and reduces total cost of ownership (TCO) without the burden of managing security and infrastructure. The way to achieve all this? Cloud. And banks worldwide are getting the message.