Retail Banking and Credit Unions

Empowering institutions to deliver smarter, more personalized financial experiences at scale.

We help reimagine everyday banking through data, automation, and inclusive digital services.

  • SMART Ops enables automation of high-frequency workflows like loan processing, KYC verification, and transaction monitoring, improving turnaround time and accuracy.
  • SMART Data helps unify disparate datasets to build 360° customer views and power hyper-personalized services.
  • SMART Grid ensures your infrastructure is compliant, resilient, and scalable for future growth.
  • SMART Hive enables cultural and skill transformation across teams, ensuring successful technology adoption.

Smart Capabilities

Personalized customer/ member insights:

Leverage advanced analytics and AI to understand customer/ member behaviors, sentiments, and preferences, enabling highly tailored product offerings and proactive engagement.

Operational efficiency:

Streamline secured and unsecured loan processing, underwriting, and fraud detection through automation and intelligent workflows, reducing turnaround times and improving accuracy.

Dynamic pricing and product customization:

Use predictive models to optimize pricing strategies and customize financial products that meet the evolving needs of diverse customer/ member segments.

Inclusive digital access:

Build accessible, user-friendly platforms that empower all customers/ members, including underserved communities, with seamless and secure banking experiences.

Robo advisory services:

Integrate AI-driven customer/member engagement tools including a 360 degree transaction and interaction insights and sentiment, recommended product and services add-on sales and topical prompts to discuss what can be important to the customers/members creating great customer experiences.