FINANCE & BANKING

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




FINANCE & BANKING


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

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Case Studies
Case Studies

Loan Origination Platform

Сomprehensive low code lending platform built in a microservice architecture, providing fast product launches and flexible business process changes
Challenges
  • Quick launch
    of new products
    1
  • A unique product offering for the client
    2
  • Flexibility
    of business processes
    3
  • Seamless integration with any services
    4
Challenges
  • 1
    Quick launch of new products
  • 2
    A unique product offering for the client
  • 3
    Flexibility of business processes
  • 4
    Seamless integration with any services
Main features
  • Flexible and easily customizable business processes
  • Full lifecycle of loan application processing
  • Fast product launch based on low code development
  • Proactive omnichannel product promotion
  • Customized decision strategy using business rules and ML
  • Seamless and fast integration with internal and external services
  • Modern microservice and micro frontends approach
  • Based on the best-of-breed open-source software components

Web & Mobile Banking

Create innovative internet/mobile banking solution that allows to construct personalized user experience for your customers based on the most modern technologies and open source platforms
Challenges
  • Improve your existing clients lifestyle and attract new ones
    1
  • Predict and reduce client churn and improve the quality of communication
    2
  • Build Super App with modern easy-to-use interface
    3
  • Reduce time-to-market for a new products
    4
Challenges
  • 1
    Improve your existing clients lifestyle and attract new ones
  • 2
    Predict and reduce client churn and improve the quality of communication
  • 3
    Build Super App with modern easy-to-use interface
  • 4
    Reduce time-to-market for a new products
Main features
  • An interface based on the best UX/UI practices, combining business goals and customer expectations
  • Easy secured integrations with internal and external services using Open API specification
  • Fast and safe product and process customization due to modern microservice architecture
  • Remote exchange of bank documents using electronic signatures

ALM

An AI-drive ALM solution based on Enterprise risk management system Finastra Fusion Risk which allows financial institutions to perform automated dynamic management of assets and liabilities structure (ALM), profitability and allocation of bank funds (FTP), as well as interest rate risk in the banking book (IRRBB)
Challenges
  • Measure impacts of various stress scenarios on all key performance ratios of the banks including provision, profitability, liquidity and capital
    1
  • Motivate profitable actions to achieve bank's goals on a consistent basis
    2
  • Evaluate the feasibility of the proposed balance sheet optimization and predictive techniques when applied to a reasonably complex real-life problem
    3
  • Determine the “cost of funds” for the asset business and the “revenue on funds” for the liability business
    4
Challenges
  • 1
    Measure impacts of various stress scenarios on all key performance ratios of the banks including provision, profitability, liquidity and capital
  • 2
    Motivate profitable actions to achieve bank's goals on a consistent basis
  • 3
    Evaluate the feasibility of the proposed balance sheet optimization and predictive techniques when applied to a reasonably complex real-life problem
  • 4
    Determine the “cost of funds” for the asset business and the “revenue on funds” for the liability business
Main features
  • Advanced machine learning techniques to measure impact of crisis scenario on bank’s key performance ratios
  • Measure product profitability by providing market-based costs/revenues for each asset and liability
  • Insulate products from interest rate risk as much as possible by providing hedges based on market data and the inherent balance sheet dynamics
  • Manage and optimize the credit portfolio resulting of the forecast defaulted impacts on provisions amount
  • Facilitate Performance evaluation (of profit centers, products, and customers)

Decision-making

Replace humans and legacy IT systems by the next generation cloud-based
ML-driven decision management solution
Challenges
  • Increase effectiveness of the sales funnel. More sales without increasing accepted risk
    1
  • Increase the number of products per customer and the bank's share in customer's wallet
    2
  • Maximize customer lifetime value (LTV) & predict and reduce customer churn
    3
  • Reduce cost and increase speed of loan decision-making and loan origination
    4
Challenges
  • 1
    Increase effectiveness of the sales funnel. More sales without increasing accepted risk
  • 2
    Increase the number of products per customer and the bank's share in customer's wallet
  • 3
    Maximize customer lifetime value (LTV) & predict and reduce customer churn
  • 4
    Reduce cost and increase speed of loan decision-making and loan origination
Main features
  • Quick implementation thanks to the standard out-of-the-box configurations
  • Insulate products from interest rate risk as much as possible by providing hedges based on market data and the inherent balance sheet dynamics
  • Manage and optimize the credit portfolio resulting of the forecast defaulted impacts on provisions amount
  • Facilitate Performance evaluation (of profit centers, products, and customers)

IFRS9

Enterprise risk management system Finastra Fusion Risk with IFRS9 functionality supplemented by a framework for regular PD/LGD models training and validation
Challenges
  • Receive end-to-end automation of IFRS9 requirements: financial instrument classification, measurements, evaluation of expected credit losses (ECL)
    1
  • Improve assessment of the probability of default to achieve adequate and sufficient provisions
    2
  • Create a framework for regular PD and LGD models training and validation given the dynamics of the bank's asset portfolio quality
    3
Challenges
  • 1
    Receive end-to-end automation of IFRS9 requirements: financial instrument classification, measurements, evaluation of expected credit losses (ECL)
  • 2
    Improve assessment of the probability of default to achieve adequate and sufficient provisions
  • 3
    Create a framework for regular PD and LGD models training and validation given the dynamics of the bank's asset portfolio quality
Main features
  • Quick implementation thanks to the standard out-of-the-box configurations
  • Early Warning System (EWS) triggers for Stage II to measure, monitor and mitigate industry risk with forward looking trends
  • Modelling framework to meet regulatory requirements and internal risk assessment methodologies while maintaining adequate provision
  • Cloud service available: IFRS9 SaaS with Lakehouse for models development and validation

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