As a Senior Director in a Bank, you are interested in a modern set of online and mobile banking services for your clients. This can include payments, transfers, account management, investment, lending and other services. You strive to replace manual operations with modern, intuitive and easy-to-navigate digital interfaces, and invest in UX/UI design to make your platforms user-friendly and enjoyable. You seek to better understand customer behaviour and identify opportunities to improve your products and services.
As a Senior Manager in Credit Іntermediary, you aim to better predict borrowers’ payment behaviour to make more informed and profitable credit decisions, and to measure borrowers’ digital presence faster. You want to reach a wider range of customers who do not have a traditional credit history. You are looking for an automated scoring engine that returns credit decisions in real time and eliminates the risk of human error. You do this to process loan applications faster and reduce the risk of lending errors.
Basic digital services that do not meet customer expectations usually have outdated design and difficult navigation. The lack of personalised offers and recommendations often reduces the engagement of users of mobile apps and websites. As a result, banks are unable to meet the needs of their customers and lose them to competitors.
The use of traditional methods such as FICO methodology, statistical methods and credit bureau services often have a high percentage of rejected loans and credit losses. This makes loans unaffordable for many customers. The bank loses a significant segment of potential customers.
SuperApps are mobile applications that offer a wide range of services, including banking, financial and non-financial services. They are becoming increasingly popular, taking market share away from traditional banks. If banks do not adapt to the competitive environment, they will lose customers to SuperApps or at least will be overshadowed by them.
Customers are using new types of assets, such as cryptocurrencies, stablecoins and NFS. These assets create confusion and require adaptation by banks. Not all banks are able to meet the needs of customers using new types of assets. Banks run the risk of not being able to meet the growing modern demand.
As we mentioned earlier, many banks' IT systems are not ready to handle new asset types and technologies. This can lead to security, performance and scalability issues. Banks are at risk of outages and data loss.
DLT (Distributed Ledger Technology) is a technology that can be used to improve the efficiency, security and transparency of banking operations. Many banks are exploring DLT but do not have a clear strategy for its implementation. They don't know how to maximise the benefits of DLT and are losing out on potential advantages over their competitors.
Embedded financial services are services that are integrated into other products and services, such as e-commerce mobile wallets, and in-app purchases. Currently, many banks do not offer embedded financial services, missing out on opportunities to reach new customers.
In today's competitive financial landscape, banks are constantly seeking ways to gain an edge and enhance customer satisfaction. Embracing cutting-edge technology and partnering with us can be a game-changer for any financial institution. As a Senior Director at Bank, you play a pivotal role in shaping the bank's technological advancements and ensuring its continued success. Partnering with us to achieve your department's IT needs can bring several compelling benefits that will undoubtedly elevate your position and the bank as a whole.
Gain a comprehensive development plan for a system to deliver actionable insights and enable data-driven decision-making. Our Business Intelligence consulting services empower your business to adapt and excel in today’s competitive market. We craft a strategic roadmap to build a system that consistently provides the crucial data you need to drive success.
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Unlock your business’s future with our Digital Optimization and Transformation Consulting services. We guide you through every step of your digital transformation, from streamlining workflows to integrating cutting-edge technology that drives efficiency and growth. Whether it’s automating processes, enhancing customer experiences, or leveraging data for smarter decisions, we’ll help you transform your business.
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Consolidate and automate all processes and tools for each role from a single interface, identify inefficiencies and areas for improvement, and create a more optimised and flexible workplace.
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Get a system audit, benchmark your system against industry best practices, and get developed a modernization solution for your business.
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Unlock the full potential of your system with our Performance Optimisation Consulting services. Elevate your software’s efficiency and reliability through tailored strategies designed to meet your unique needs and goals.
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Unlock innovation and drive success with our Research & Development services. Whether you’re refining an idea or exploring cutting-edge technologies, we provide the expertise to turn your concept into an actionable, high-impact solution.
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Put your unique vision at the forefront. We work closely with you to tailor a detailed plan that aligns with your goals and drives your business forward.
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Get expert guidance, strategic insights, and cutting-edge solution tailored to your unique needs. Elevate your company with a top-tier technology leader driving your success.
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Computools | 341 Raven Cir, Camden Wyoming, Delaware 19934, US
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The Computools team was very rapidely operational despite the complexity of the situation and the need for the team to adapt to our development methodologies. The Computools team could also work very remotely with very good inter-communication with the SBFinance team ensuring good efficiency despite off-shoring.