© 2022 ENFINT. All rights reserved

FINANCE & BANKING

We delivers innovative solutions, technology and talent for the complex and competitive world of finance

FINANCE & BANKING

We delivers innovative solutions, technology and talent for the complex and competitive world of finance

WHAT WE DO

Capital markets

We deploy the most intuitive thinkers and innovative solutions into the world’s financial markets to solve the toughest of operational, data and technology challenges.

Implementation of renowned TCM solutions from world’s leading vendors like Finastra and Calypso

Integration with Market Data providers

Data management solutions

Reporting automation for buy- and sell-side firms

Financial risk management

We deliver end-to-end projects for automation of bank-wide risk management practices.

Credit, Market and Operational risk

Capital and liquidity management processes under ICAAP and ILAAP

Limit management systems

Regulatory reporting

Building transparent reporting solutions to enable compliance with regulatory requirements.

Basel II/III/IV

COREP

IFRS9

Digital channels

We create individual digital solutions for remote banking services, using cutting-edge technologies and open source platforms.

Digital banking solutions for retail, corporates and FX operations

Mobile banking platforms and applications

Loan origination

Comprehensive loan origination solution for mortgages, consumer and car loans automates all stages of business process including credit product selection, loan application enrichment, customer data verification, credit scoring calculation and contract execution.

Origination process automation

Application scoring

Fraud monitoring

Reporting

KYC & fraud detection

We provide the kind of seamless and customer-centric onboarding experience that our customers deserve.

360 Customer view

KYC and client onboarding process automation

Fraud management

WHAT WE DO

Capital markets

We deploy the most intuitive thinkers and innovative solutions into the world’s financial markets to solve the toughest of operational, data and technology challenges.

Implementation of renowned TCM solutions from world’s leading vendors like Finastra and Calypso

Integration with Market Data providers

Data management solutions

Reporting automation for buy- and sell-side firms

Financial risk management

We deliver end-to-end projects for automation of bank-wide risk management practices.

Credit, Market and Operational risk

Capital and liquidity management processes under ICAAP and ILAAP

Limit management systems

Regulatory reporting

Building transparent reporting solutions to enable compliance with regulatory requirements.

Basel II/III/VI

COREP

IFRS9

Digital channels

We create individual digital solutions for remote banking services, using cutting-edge technologies and open source platforms.

Digital banking solutions for retail, corporates and FX operations

Mobile banking platforms and applications

Loan origination

Comprehensive loan origination solution for mortgages, consumer and car loans automates all stages of business process including credit product selection, loan application enrichment, customer data verification, credit scoring calculation and contract execution.

Origination process automation

Application scoring

Fraud monitoring

Reporting

KYC & fraud detection

We provide the kind of seamless and customer-centric onboarding experience that our customers deserve.

360 Customer view

KYC and client onboarding process automation

Fraud management

Case Studies

APPLICATION INTEGRATION & OPEN API
Customer
Tier-1 private bank in Vietnam, 50+Bln $ AUM

Task
Implementation of integration and Open API layers based on IBM and WS02 software.

Outcomes
Implementation of this project has enabled the bank to provide its customers with new opportunities for online interaction and increase its clients’ awareness of the banking products, services and promotions it provide.

Business Value
Improved CallCenter client services and new automated sales channels (through partner companies) via deployed Open API layer.
DIGITAL CHANNELS
Customer
Middle-sized bank, owned by large Japanese financial group

Task
Development of new Digital Channels application for SME clients enhanced with Open API layer.

Outcomes
Designed specifically to serve small and medium-sized businesses, new platform ensures prompt interaction of customers with the bank through mobile devices and a web interface in one click. Thanks to the convenient and advanced interface, clients can easily control accounts, quickly create payment orders and receive statements. Clients have instant access to operations and information on accounts, including management of curent accounts, bank account statements, fund transfers, payments, loan and deposit products etc.

Business Value
Implemented platform, built according to microservice architecture patterns allows to reduce the probability of failure of the bank's Digital Channels applications for to less than 0.01%. At the same time, new platform allows Client to quickly add new functionality and products to internet and mobile banking apps. It takes no more than two hours to deploy updates, including automated, performance and integration testing cycles.

Tech Stack
OpenShift, Java, React
IFRS9 AUTOMATION
Customer
A global network of 20 community-based microfinance institutions and banks with 1.06 billion USD AUM in 2020

Task
Automate IFRS9 calculations across all subsidiaries in order to optimize day-to-day operations and make lending business more efficient and profitable around the globe.

Outcomes
Through this project data from 20 countries was consolidated to ensure holistic view of Client's international portfolio. To manage data streams from all countries and control its quality a unique router console has been developed. In addition, a set of comprehensive reports for in-depth data analysishas been implemented (Credit Exposure report, Collateral and Enhancements report, ECL reconciliation report, Gross carrying amount reconciliation reports, Set of Sensitivity tests).

Business Value
Reduced effort for data consolidation and IFRS9 measurements calculation and simplified scenario-based testing of PD and LGD models, that helps to identify weaknesses in portfolio management and start the optimization process on time.
AUTOMATION OF ASSET-LIABILITIES MANAGEMENT & FUND TRANSFER PRICING
Customer
Large bank in Vietnam with 113 branches and transaction offices, honourably awarded "Best Core Bank in Vietnam” in 2021 year

Task
Automate Asset/Liability Management process to measure and monitor liquidity, interest rate and FX risks.

Outcomes
During this project, ALM/FTP in-house excel tools were replaced with holistic fully automated treasury management solution. Besides standard ALM/FTP functionality, bank was provided with “What- if” scenario analysis toolkit for stress testing and with customized ALCO reporting pack.

Business Value
New solution ensures improved efficiency of risk management and performance of the different business units as well as regulatory compliance.
DEVELOPMENT OF PD, LGD MODELS AND MACRO ADJUSTMENT FOR BANKS
Customer
A number of banks in Europe, Africa and Middle East countries

Task
To comply with the requirements of regional and European regulators in terms of the IFRS9 financial reporting standard, the banks should develop models for assessing the borrowers' credit risk: default probability models, loss given default models and macroeconomic adjustment models

Outcomes
A developed stack of models estimating observed default rates (ODR) using a vintage approach, a number of implemented algorithms for fitting parametric curves to ODR (including Weibull-Pareto, Cox PH, Gen Gamma, RF, etc.). LGD models, automated backtesting procedures, and macroeconomic adjustment models (regression models and SVMs) have been developed. A series of successful external audits of Big-4 companies (EY, PWC) has been conducted.

Case Studies

APPLICATION INTEGRATION & OPEN API
Customer
Tier-1 private bank in Vietnam, 50+Bln $ AUM

Task
Implementation of integration and Open API layers based on IBM and WS02 software.

Outcomes
Implementation of this project has enabled the bank to provide its customers with new opportunities for online interaction and increase its clients’ awareness of the banking products, services and promotions it provide.

Business Value
Improved CallCenter client services and new automated sales channels (through partner companies) via deployed Open API layer.
DIGITAL CHANNELS
Customer
Middle-sized bank, owned by large Japanese financial group

Task
Development of new Digital Channels application for SME clients enhanced with Open API layer.

Outcomes
Designed specifically to serve small and medium-sized businesses, new platform ensures prompt interaction of customers with the bank through mobile devices and a web interface in one click. Thanks to the convenient and advanced interface, clients can easily control accounts, quickly create payment orders and receive statements. Clients have instant access to operations and information on accounts, including management of curent accounts, bank account statements, fund transfers, payments, loan and deposit products etc.

Business Value
Implemented platform, built according to microservice architecture patterns allows to reduce the probability of failure of the bank's Digital Channels applications for to less than 0.01%. At the same time, new platform allows Client to quickly add new functionality and products to internet and mobile banking apps. It takes no more than two hours to deploy updates, including automated, performance and integration testing cycles.

Tech Stack
OpenShift, Java, React
IFRS9 AUTOMATION
Customer
A global network of 20 community-based microfinance institutions and banks with 1.06 billion USD AUM in 2020

Task
Automate IFRS9 calculations across all subsidiaries in order to optimize day-to-day operations and make lending business more efficient and profitable around the globe.

Outcomes
Through this project data from 20 countries was consolidated to ensure holistic view of Client's international portfolio. To manage data streams from all countries and control its quality a unique router console has been developed. In addition, a set of comprehensive reports for in-depth data analysishas been implemented (Credit Exposure report, Collateral and Enhancements report, ECL reconciliation report, Gross carrying amount reconciliation reports, Set of Sensitivity tests).

Business Value
Reduced effort for data consolidation and IFRS9 measurements calculation and simplified scenario-based testing of PD and LGD models, that helps to identify weaknesses in portfolio management and start the optimization process on time.
AUTOMATION OF ASSET-LIABILITIES MANAGEMENT & FUND TRANSFER PRICING
Customer
Large bank in Vietnam with 113 branches and transaction offices, honourably awarded "Best Core Bank in Vietnam” in 2021 year

Task
Automate Asset/Liability Management process to measure and monitor liquidity, interest rate and FX risks.

Outcomes
During this project, ALM/FTP in-house excel tools were replaced with holistic fully automated treasury management solution. Besides standard ALM/FTP functionality, bank was provided with “What- if” scenario analysis toolkit for stress testing and with customized ALCO reporting pack.

Business Value
New solution ensures improved efficiency of risk management and performance of the different business units as well as regulatory compliance.
DEVELOPMENT OF PD, LGD MODELS AND MACRO ADJUSTMENT FOR BANKS
Customer
A number of banks in Europe, Africa and Middle East countries

Task
To comply with the requirements of regional and European regulators in terms of the IFRS9 financial reporting standard, the banks should develop models for assessing the borrowers' credit risk: default probability models, loss given default models and macroeconomic adjustment models

Outcomes
A developed stack of models estimating observed default rates (ODR) using a vintage approach, a number of implemented algorithms for fitting parametric curves to ODR (including Weibull-Pareto, Cox PH, Gen Gamma, RF, etc.). LGD models, automated backtesting procedures, and macroeconomic adjustment models (regression models and SVMs) have been developed. A series of successful external audits of Big-4 companies (EY, PWC) has been conducted.

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