Banking IT Solutions
We build and integrate banking IT solutions that cut friction in payments, digital onboarding, AML/KYC, and regulatory reporting. We start with your KPIs, map data flows across core systems and third-party services, then deliver services with clear SLAs, strong observability, and audit-ready lineage. Need new payment rails, open APIs, or a cloud migration? We design the architecture, test it end-to-end, and execute clean cutovers so teams stay productive.
Our Offerings
Core Platform Modernization & Integration
Upgrade or extend your core without outages. We decouple legacy CBS with a service layer, add event-driven adapters for loans, deposits, and cards, and plan phased cutovers with canary releases and rollback paths. The result is faster change cycles, lower integration risk, and a platform that supports new products without rework – fit for banking at scale.
Payments & ISO 20022 Enablement
Implement new rails (RTP, FedNow, SEPA) and migrate SWIFT MT to MX with validated message maps, schema tests, and reconciliation jobs. We add fraud checks in the flow, automate exception handling, and provide dashboards for intraday liquidity and settlement windows so operations can act before issues pile up.
Digital Onboarding & eKYC
Reduce drop-offs by orchestrating IDV, liveness, sanctions/PEP checks, credit bureau pulls, and risk scoring in one flow. We optimize forms, add save-and-resume, build clear audit trails, and wire analytics to spot where applicants stall – shortening time to approval while keeping controls tight.
AML & Fraud: Monitoring and Case Management
Combine rules and ML features for transaction monitoring, sanctions screening, and entity resolution. We calibrate thresholds with back-testing, auto-prioritize alerts, and integrate a case system that tracks narratives, evidence, and SAR drafts. Model drift checks and periodic tuning keep false positives from overwhelming investigators.
Open Banking & API Platform
Expose secure APIs with consent management, OAuth2/OIDC, rate limits, and webhooks. We set up a developer portal, versioning, and sandbox data so partners can build without hand-holding. Clear SLAs, observability, and incident playbooks keep the ecosystem reliable as usage grows.
Data Platform, Reporting & Analytics
Build a governed lakehouse for deposits, cards, lending, and GL with lineage and quality checks at ingestion. We deliver regulatory and management reports, liquidity and credit risk dashboards, and KPI views for product owners. Schedulers, data contracts, and testing guard against broken pipelines and late filings.
How We Bring Value To Your Business
We convert complex banking technology projects into operational gains your teams feel in day-to-day work – faster delivery, fewer manual steps, clearer risk signals, and reporting that closes on time.
1
Faster change, less disruption
Decouple legacy systems with service layers and event flows, then ship using canary releases and blue-green cutovers. Teams push updates without weekend outages, and product owners move from quarterly drops to frequent, low-risk releases.
2
Lower cost per transaction
Optimize payment flows and core integrations to cut duplicate hops, retries, and manual reconciliations. Clear SLAs and observability help ops fix issues early, reducing write-offs and support load.
3
Higher onboarding completion
Orchestrate IDV, AML checks, credit pulls, and risk scoring in one flow with save-and-resume and clear error handling. You get shorter time to approval and fewer abandoned applications.
4
Stronger AML/Fraud signal
Blend rules with ML features, back-test on historical data, and auto-prioritize alerts by risk. Investigators spend time on true risk, cases move faster, and false positives drop without opening gaps.
5
Fewer payment breaks
Adopt ISO 20022 with validated mappings, add pre-settlement checks, and automate exception handling. Dashboards for intraday liquidity and reconciliation let operations act before issues hit customers.
6
Reporting that closes on time
Build governed data pipelines with lineage, contracts, and tests at ingestion. Regulatory and management reports land on schedule, and auditors can trace every figure back to source.
Challenges We Commonly Solve
The same pain points surface across core platforms, payments, risk, and data. We address them with concrete fixes that hold up in production.
Fix your top blocker this quarter
Why Choose WiserBrand
You get a delivery partner focused on operational impact and risk control, with teams that speak both engineering and compliance.
1
Integration-first delivery
We start from system boundaries – core, cards, lending, CRM, data platforms, payment networks – and design the service layer, event flows, and API contracts before building features. Adapters, message maps (e.g., MT→MX), and test harnesses come standard, so projects land cleanly in production.
2
Data you can audit
Pipelines ship with lineage, data contracts, and validation at ingestion. Regulatory packs, management dashboards, and ad-hoc queries trace back to source records, reducing close time and simplifying exams.
3
Predictable change management
We plan phased cutovers with canary and blue-green releases, instrument services with unified observability, and keep rollback paths ready. Incident playbooks and DR drills keep operations steady while the platform evolves.
Cooperation Models
Pick an engagement style that fits your program scope, risk posture, and internal capacity.
A cross-functional team (PM, engineers, QA, DevOps, data) embedded with your stakeholders. We take a problem statement (e.g., ISO 20022 migration or onboarding upgrade), run discovery, manage the backlog, and ship increments on a two-week cadence. Aligned to your CAB, release policy, and change windows, with clear SLAs and a single accountable team.
Best for a defined outcome with a finish line – FedNow/RTP integration, case management rollout, or report automation. We agree on scope, non-functional targets, data contracts, and acceptance tests up front. Work runs in phased milestones with stage gates, a planned cutover, documentation, handover, and 30–90 days of hypercare.
Short, focused engagements to de-risk decisions. Deliverables typically include current-state assessment, target architecture, build-vs-buy analysis, migration plan, API standards, cost and capacity model, and a 6–12 month roadmap. For banking programs, we often add interface inventories, ISO 20022 message maps, and a pilot to validate assumptions.
Our Experts Team Up With Major Players
Partnering with forward-thinking companies, we deliver digital solutions that empower businesses to reach new heights.
Our Approach
We follow a delivery cadence that reduces risk, fits your release windows, and keeps day-to-day operations running.
Define goals and guardrails
Agree on KPIs, compliance constraints, and non-functional targets (latency, throughput, RTO/RPO). Interview stakeholders across ops, risk, and product to set scope, dependencies, and success criteria.
Map systems and draft the target design
Inventory interfaces, data flows, and message formats (e.g., MT/MX, ISO 20022). Identify decoupling points, draft service and API contracts, and plan migrations with a clear test strategy and data contracts.
Prove the approach with a thin slice
Build a vertical pilot that touches core paths, stand up CI/CD, and add conformance tests and replay harnesses on historical data. Validate performance, access controls, logging, and operational runbooks.
Deliver in increments with safe cutovers
Ship in small releases, use canary or blue-green cutovers, and watch key metrics with unified observability. Keep rollback paths ready, train support teams, and measure KPI deltas after each release.
Handover and scale
Document architecture, configs, and playbooks; transition ownership with joint on-call and hypercare. Close with a 6-12 month roadmap covering backlog, cost/performance reviews, and future integrations.
Case Studies
Our case studies highlight the outcomes we’ve delivered and the approaches that made them possible.
Banking IT Solutions FAQ
We add a service layer, run old and new paths in parallel, and cut over with canary or blue-green releases during approved change windows, with rollback ready.
Readiness assessment, MT→MX mapping, schema validation, end-to-end testing with counterparties, automated reconciliation, and dashboards for intraday monitoring.
Yes – IDV, liveness, sanctions/PEP checks, and credit pulls run in one flow with step-level analytics and a complete audit trail to keep risk controls intact.
We classify data, apply masking where needed, keep field-level lineage, deploy in required regions, and manage retention and access via policy and logs.
We start with discovery and a thin-slice pilot to prove the approach, then deliver in small increments with planned cutovers, training, and hypercare after go-live.