Initiatives for Universal Banking
Rich functionality and advanced technology to help you grow, optimize operations, accelerate speed to market and delight customers
Composable Banking
Accelerate change with an open, composable, cloud‑first core
Adopt what you need when you need it. An API‑led, event‑driven architecture, modular services, and coexistence patterns let you plug in fintechs, launch new propositions, and replace legacy components in phases, reducing risk and time‑to‑value.
Products for Composable Banking
Cost Efficiency
Lower TCO with SaaS operations, automation and evergreening
Shift spend from maintenance to innovation. Cloud‑first SaaS with evergreen updates cuts upgrade effort and infrastructure overhead, while straight‑through processing and workflow automation streamline operations and reduce manual work across teams.
Products for Cost Efficiency
Customer Experience
Deliver consistent, real‑time, personalized banking journeys
Unify experiences across mobile, web, branch, and partner channels. Real‑time posting, Customer 360, and Digital Engagement Hub journeys enable instant balances, faster onboarding and contextual offers informed by analytics.
Products for Customer Experience
Digital transformation
Modernize at your pace with cloud‑first, open transformation
Choose full replacement or incremental Symbiosis. Open APIs, events and microservices enable progressive migration, while cloud options and proven services help you launch, migrate, and grow with predictable timelines and lower risk.
Products for Digital Transformation
Gen AI Adoption
Prepare data and teams for AI, from insight to assistance
Build on a curated analytics model that supports ML use cases (churn, next‑best product, and cashflow) and enable GenAI applications such as guidance and campaign/pricing tools, backed by clean, structured data and governance.
Products for Gen AI Adoption
Product Agility
Launch and adapt products faster with no‑code configuration
Empower product teams with a no‑code composer and configurable rules to design offers, pricing and workflows, accelerating time‑to‑market without core code changes and enabling rapid experimentation across segments.
Products for Product Agility
Revenue Optimization
Drive revenue growth with predictive, insight‑led decision‑making
Use analytics and AI‑enabled insights to understand customer behavior, predict needs, and identify growth opportunities. From cross‑sell recommendations to churn risk and product performance analysis, optimize your revenue strategy with data‑driven intelligence.
Products for Revenue Optimization
Scalability
Scale securely across entities, channels and volumes
Operate 24/7 with real‑time posting, multi‑entity support and cloud elasticity. Microservices scale independently to handle peak loads while maintaining resilience, security, and predictable operations.
Products for Scalability
Let's reimagine banking together
The functional, operational and architectural capabilities of Essence are critical to launching new products and increasing efficiency, translating growth into profitability.
