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Technological solutions for banks and financial institutions
We offer innovative technological solutions for banks and financial institutions to support them in the digital transformation of their business models. Our IT services — modeled on the customer needs — allow efficient management with high standardization on the back end and customization on the front end. The offering includes Core Banking Solutions, Technological Infrastructure and Cloud, Software Solutions, RegTech, System Integration and Application Maintenance, and Business Process as a Service.
Our areas of expertise
Business Process as a Service (BPaaS)Learn more »
Solutions to rationalize and simplify the operational processes of banks.
Core BankingLearn more »
Integrated solution covering core activities of banks for all business lines.
RegTechLearn more »
Consulting and solutions services for the complete management of regulatory and regulatory compliance aspects.
Software SolutionsLearn more »
Vertical software solutions for specific functional sectors integrated into the Information System.
System Integration and Application ManagementLearn more »
System integration between IT systems, services, and software. Application Maintenance of proprietary and third-party solutions.
Technological Infrastructure and CloudLearn more »
Management of all components of the IT Infrastructure, Business Continuity and Disaster Recovery; and Hybrid Cloud Service Orchestration.
We offer vertical solutions for specific functional sectors that cover seven areas: Investment, Channels, Lending, Governance, Payment Systems, RegTech, and Business Process as a Service. These “turnkey” solutions work as Software as a Service solutions, and include all technical aspects for infrastructure and maintenance.
AIRB - Advanced Internal Rating Based
Advanced rating-based model allowing banks to improve the efficiency of their business processes for quantification and managing credit risk. Enables better management of the capital absorbed against the credit risk. Validation for the use of AIRB Rating System for regulatory purposes is underway at Bank of Italy.
AML - GIANOS 4D
Meets the adjustments required by the IV Anti-Money Laundering Directive. Includes Anomaly Index Generator for suspicious transactions, money laundering, risk management, adequate verification, and client knowledge.
ARGO - Regulatory Reporting
Meets all the regulatory reporting requirements issued by the Bank of Italy, the EBA, the ECB, and the SRB. Scalable, modular, and non-invasive approach for both individual financial intermediaries and large banking groups.
ART - Business Process Automation
Supports the bank in its transformation process. Enables an agile delivery model to respond to business needs in compliance with time, quality, and innovation.
ATM and POS Management
Complete range of services to manage the bank’s ATM fleet and the operation of the POS in favor of commercial operators affiliated with the bank. ATM services include help desk, HW monitoring, maintenance, and supply. Main POS services are rental, help desk, maintenance, processing, reporting, and so on.
Allows to administer multivendor ATM Fleet and manage their evolution through a single platform. The bank can reduce costs and complexity of ATM evolution enabling new forms of payment.
Back Office - Administrative Services
Manages back-office activities of the administrative services. Allows significant reduction in costs, and guarantees professional service and greater operational flexibility.
Back Office - Investment
Services for the management and governance of investment of banks, SIM, and SGR. Some back-office activities include registry off financial instruments, transfer management, tax management, and so on.
Back Office - Lending
End-to-end value-added services for lending products based on consolidated professional skills and organizational expertise.
Back Office - Payment Systems
Manages all activities typical of the back-office area for the payment systems. Integrates typical ‘service activities’ with more specialist accounting and balance operations, logistics, storage, and transportation of paper documents.
Platform that manages insurance products and the insurance portfolio to support the distribution processes on different channels.
Offers all the benefits of advanced integration between traditional teller operations, back office, and CRM applications. Helps banks to organize and monitor the activities of its own sales network. Reduces operational risks, and simplifies and increases the security and speed of processes.
Helps banks increase the effectiveness of their sales actions to individual clients, or to specific customer segments, through multistep, multiwave, and multichannel campaigns. Supports the development and automation of proactive campaigns for clients more inclined toward a specific type of product/service or to a specific contact channel. The use of the product as a service is also foreseen.
A complete solution for the management of cheques and related regulations that allows issuing, processing, and negotiation in all the lifecycle.
Handles the entire management system of the Banker’s Network — acquisition, commission refund, reporting, allowance, and invoicing.
Provides integrated services for customer relationship management. Designed to support all activities of the customer-bank relations in accordance with business objectives.
Some features include 24×7 availability, multi-language management, multichannel capability, and so on.
Credit Quality Management
Offers a powerful credit quality profiling engine that processes the bank client portfolio daily. Allows to apply the credit quality management policies defined by the bank and the operational decentralization of activities on the peripheral network with a timely performance verification.
Credit Rating System
Manages in a single application engine a multiplicity of differentiated evaluation models both at level of each bank and by risk segment
Customer Data Management
An advanced solution for enhancing the value extraction from customer data. It consists a series of integrated products that improve the effectiveness of real-time commercial actions through digital channels.
Data Lake, Big Data and Data Analytics
Extracts the maximum value from data. It represents a Data Hub based on the Data Lake platform for the management of structured and unstructured data. Allows the banks to anticipate the client’s needs and favor real-time interactions.
Digital Wealth Management
An omni-channel digital solution that automates the entire life cycle of the individual wealth management and advisory service used through smart devices — computer, mobile, and tablet. Aimed both at the end client and promoter, it’s customizable through interactive and evolving widgets.
Qualified consultancy services to identify critical document processes and implement targeted measures for optimization. End-to-end management of document management processes, and integration of back office and technological components.
Intercepts the first irregularities of customers and helps activate risk mitigation. Warnings and payment reminders to the customers can be customized and parameterized, as well as the anomaly triggers. The scope of application of triggers can be defined according to the characteristics of the customer portfolio.
Easy Match - Riconciliations
A new-generation centralized reconciliation tool covering a full range of checking activities. Manages all financial instruments like currencies, securities, consumables, and derivatives.
FATCA CRS, IMF3 and DAC 6
Modular solution for periodic reporting to the tax authorities of the FATCA CRS, Tax Monitoring (IMF3), and the new DAC 6 regulations in force since January 2021. Available in full or light version with flexible pricing depending on the operation required by the client.
Financial Instruments - Securities
Manages high volumes of data in real time. Supports multi-language, multi-currency, multi-channel, and multi-institute configurations for banking groups, custodians, outsourcers, insurance companies, brokers, and SGRs.
Interbank Corporate Banking
Manages Interbanking Corporate Banking products (CBI, CBI2, and access to online information) and the bank’s distinctive products and value-added services. Improves integration and efficiency of the bank’s internal processes. Supports any type of operations — multibank, multicompany, multicurrency within a multi-browser and multi-platform structure.
Covers all banking and online trading functions from the most basic to the most advanced, revenue and expense control functions, and more advanced natural language processing and balance aggregation functions. It allows proposals for the individual customer and integrates with the bank’s CRM offering an advanced and uniform user experience.
Manages transactions related to listed derivative contracts, and enables trading and margin operations calculation. Financial instruments such as Futures and Option contracts in the Italian and international markets lifecycle are managed by the system.
Management Planning and Control
Helps comprehensively manage all phases of planning and control cycle — operational planning, calculation engine for internal transfer rates, cost allocation, network reporting, and commercial and management reporting.
MAPS 3.0 - Model for Analysis, Forecasting and Simulation
Analyzes income prospects and financial dynamics of companies through the evaluation of their financial statements. Based on possible scenarios, the solution can autonomously develop the prospective n-year financial statements of each company by integrating historical data with sector information.
Covers all online banking and trading functions in an isofunctional way compared to the desktop version providing the latest technological evolution to customers. It is constantly evolving, as with the recent introduction of biometric functions — Fingerprint and Face ID.
Non-performing Loans Management
Supports banks in the management of non-performing loans through solutions that automate management processes and allows to obtain maximum efficiency in credit recovery.
OBJFIN - Position Keeping
A fully integrated framework for Position Keeping, Limit Management and Risk Management, P&L Management, and operational liquidity monitoring of proprietary trading portfolios.
Helps banks differentiate the process of analyzing loans based on the risk/return profile of each request and the credit policies adopted. Automates the information collection and optimizes credit-quality control.
Works in partnership with banks to develop new open banking services. Helps banks transition to modifiable and programmable ‘digital platforms’ for the rapid creation of vertical services, such as Robo advisory, Instant Lending, Data collection and aggregation platforms.
Practice Management Suite
Manages and automates the lifecycle of different dossiers — complaints, non-credit litigation, documentation requests, and requests relating GDPR rights.
Pricing Risk Adjusted
The tool allows you to simulate the price of a lending transaction. The ‘target’ price of the transaction is built bottom-up, through the determination of a break-even spread that considers all the components of the operation to be remunerated, such as expected loss, cost of capital, cost of funding and operating costs.
Creates custom commercial offers to suit the customer. Increases the probability of realizing new sales through guided processes that prevent operational errors.
Perfectly integrated with the CRM applications, placing the customer at the center of the sales process, and providing operational, commercial and behavioral information.
Continuously and systematically analyzes the company data to identify anomalous phenomena, or potential areas of risk. Helps analysts to navigate system information, and to build advanced analysis views and complex performance indicators without requiring the intervention of ICT structures.
Offers bank’s customers and prospects the opportunity to purchase banking and financial products remotely, even on mobile devices, in totally digital, and end-to-end mode. Helps banks expand their customer network and implement upselling strategies offering the possibility of designing processes, with the same customer experience, for the sale of specific bank products.
Enables the bank to deliver innovative investment services through an additional distribution channel. Provides an automated consulting service for the bank’s retail clients who can operate in the self mode to subscribe financial products, monitor their position continuously, receive notifications of rebalancing of the portfolio, and make contributions or withdrawals of liquidity.
Sales Network Support
Document management and back-office activities to support the bank’s sales network (contract acquisition, documentation compliance checks, data validity checks, customer data, relationship activation, preparation, and welcome kit).
SEPA Credit Transfer Instant
Enables instant credit transfers at a pan-European level with the highest levels of security and continuous time availability. It is delivered through different channels of Core Banking, such as Internet and Mobile Banking, Corporate Banking and so on.
SiCAF - Tax Receivables
Management and administrative platform for purchased tax credits. Assists the intermediary in the optimal offsetting of tax credits, recording all operational lifecycle phases, and generating accounting records and the supervisory reports.
The system manages the matching, settlement, and clearing phase for all the trades, both in the Italian (Monte Titoli) and international (Euroclear-Clearstream) environments. Sends all the trading and clearing transactions negotiated on the various markets to the matching and settlement systems (Monte Titoli, Euroclear, Clearstream).
Manages all transactions related to OTC derivative contracts. Supports all types of derivative OTC instruments, and guarantees flexibility in managing new contractual models and speed of adjustment.
SiFIX - Routing of Orders to the Market
A multi-bank and multi-broker application for the automated management of order routing. Transfers the collected messages to any intermediary using the FIX protocol, guaranteeing high performance.
SiLIDER - Regulated Derivatives Back Office
Back-office and order collection solution that enables trading and margin call calculation. Helps manage Futures and Options derivative contracts traded on domestic and international markets.
SiMAD - Market Abuse Management
A screening system with advanced customizable controls that highlights practices that deserve to be individually assessed and possibly reported to the Regulator. Includes preloaded rule sets and a single access point for obtaining synthetic information.
Supports dispute management both for the individual intermediaries and the banking groups. Manages complaints, privacy and document requests, regulatory requirements, and user profiling.
SiTAX - Management of Capital Gain Taxation
Includes the calculation and documentation concerning the overall position of the institute toward the tax administration, the individual taxable person at any date, and the tax for each individual taxpayer.
A general and operational accounting platform. Manages accounting and non-accounting entries from all banking subsystems (Securities, Mortgages, Accounts, and so on), and also from the accounting units (offices and branches).
Electronic management and supplier invoice workflow application. Automatic data capture and workflow optimizes and dematerializes the entire invoicing process. Reduces cost, resources, and time.
Risk - IFRS9
Solution for the efficient management of IFRS9 Accounting Standard.
- Business Process as a Service (BPaaS)
- Payment Systems