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Banking Innovations Through Reshaping Traditional Banking Models

Banking Innovations Through Reshaping Traditional Banking Models

Innovation has become the cornerstone for institutions aiming to stay ahead in the rapidly evolving banking landscape. The transformation of traditional banking models is not merely a trend but a necessity driven by technological advancements, changing consumer expectations, and the imperative to remain competitive. This blog explores the profound impact of banking innovations by reshaping traditional models and showcasing examples, facts, and figures that underscore the industry’s trajectory.

Traditional banking models are facing a pivotal moment. The need for innovation has become a strategic choice and a crucial factor for sustained growth and enhanced customer experiences.

The Landscape of Traditional Banking

Traditional banking models, characterized by brick-and-mortar branches and conventional service delivery, are grappling with the challenges posed by fintech disruptors and changing consumer preferences. While these models have been the bedrock of the financial industry for decades, their inherent limitations in agility and responsiveness are becoming more apparent.

Evolving Customer Expectations

Customers today demand more than just transactional services from their banks. They seek seamless digital experiences, personalized services, and real-time solutions. The traditional models, often burdened by legacy systems and processes, need help to meet these evolving expectations, creating a clear impetus for innovation.

Innovation for Growth

Digital Transformation as a Catalyst

Digital transformation stands out as a catalyst for innovating traditional banking models. Embracing technologies such as AI, ML, and BDA enables banks to streamline operations, enhance efficiency, and offer personalized services. According to a report by Accenture, digital transformation can increase revenues for traditional banks by up to 34% by 2022.

Fintech Collaboration

Collaboration with fintech entities is another avenue for injecting innovation into traditional models. Fintech firms, often characterized by agility and a focus on niche solutions, can complement conventional banks by providing specialized services such as robo-advisory, blockchain-based solutions, and peer-to-peer lending.

Enhancing Customer Experience 

Personalization and Omnichannel Experiences 

Innovating traditional banking models is about adopting new technologies and crafting superior customer experiences. Personalization, facilitated by data-driven insights, allows banks to tailor their offerings to individual preferences. Additionally, embracing omnichannel experiences ensures customers can seamlessly transition between physical and digital channels.

Case in Point: JPMorgan Chase

JPMorgan Chase provides a notable example of a traditional bank leveraging innovation for customer experience. Through its digital initiatives like the Chase Mobile app and robust online banking services, JPMorgan has successfully integrated digital convenience into its traditional banking model, enhancing customer satisfaction.

While the imperative for innovation is clear, challenges abound. Legacy systems, regulatory constraints, and the need for cultural shifts within organizations can pose obstacles. However, banks that successfully navigate these challenges stand to increase their operational efficiency and the ability to attract and retain a digitally savvy customer base.

Embracing Digital Banking Innovations

Digital Banking Transformation Statistics

The adoption of digital banking is witnessing an unprecedented surge. According to a recent survey by Statista, global digital banking users are expected to reach 4.2 billion by 2026. This statistic highlights the undeniable shift in consumer preferences toward digital channels for banking needs.

Banking-Innovations

DBS Bank 

DBS Bank exemplifies the power of digital banking transformation. Named the “World’s Best Bank” by Euromoney, DBS has prioritized customer-centric digital innovations. Their digibank platform, offering paperless, branchless, and signature-less banking, has garnered over 3 million customers, showcasing the tangible success of embracing digital models.

Major Enablers for Business Model Innovations in BFSI 

Banking Transformation Services

Banking transformation services play a pivotal role in enabling business model innovations. A study by Deloitte emphasizes the significance of strategic transformation initiatives, with 79% of banking executives considering transformation a top priority.

Business Model Innovation Statistics

A report by McKinsey highlights that 90% of banking executives surveyed believe that the pandemic accelerated their plans for digital transformation. This reflects a pivotal moment for the industry, pushing institutions to reimagine their business models.

Challenges and Approaches to Success

While the path to banking innovation is promising, challenges persist. Cybersecurity threats, regulatory complexities, and the need for cultural shifts within organizations are hurdles that demand attention. Approaches to success involve fostering a culture of innovation, investing in robust cybersecurity measures, and collaborating with fintech partners to leverage their agility and expertise.

Conclusion

Reshaping traditional banking models is not just an option; it’s a strategic imperative. As banks navigate the complexities of a dynamic landscape, those at the forefront of embracing digital banking innovations and business model transformations will survive and thrive in the new banking era.

About Maveric Systems

Starting in 2000, Maveric Systems is a niche, domain-led Banking Tech specialist partnering with global banks to solve business challenges through emerging technology. 3000+ tech experts use proven frameworks to empower our customers to navigate a rapidly changing environment, enabling sharper definitions of their goals and measures to achieve them.

Across retail, corporate, and wealth management, Maveric accelerates digital transformation through native banking domain expertise, a customer-intimacy-led delivery model, and a vibrant leadership supported by a culture of ownership.

With centers of excellence for Data, Digital, Core Banking, and Quality Engineering, Maveric teams work in 15 countries with regional delivery capabilities in Bangalore, Chennai, Dubai, London, Poland, Riyadh, and Singapore.

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Future Trends in Core Banking Systems: Open Banking and API Integrations

Future Trends in Core Banking Systems: Open Banking and API Integrations

The banking industry is transforming significantly, driven by technological advancements and changing customer expectations. For forward-thinking FIs, staying ahead of the curve and understanding the future trends in core banking systems is essential. This article will discuss the importance of open banking and API integrations in core banking technology and how they are shaping the industry’s future.

Partnering with award-winning banking core specialists, Maveric empowers leading FIs with 16+ years of Temenos product stack mastery and 550+ Temenos specialists.

Future Trends in Core Banking Systems:

Commoditization: All core systems from different vendors offer almost the same business functions. Business functions no longer set core systems apart, and banks can’t choose between other core systems by looking at the business functions they offer because there isn’t enough difference between goods on the market.

Composable technologies: As time passes, more core banking system goods are made up of smaller parts, making customization easier. Gartner calls the smaller pieces comprising CBS “packaged business components” (PBCs). These PBCs share centrally located business services, which is how CBS can fit your needs. This architecture lets banks be more flexible and choose from a wider range of tools.

Cloud: Core banking goes to the cloud, and banks worldwide are getting used to this change. In addition to making banking as a service (BaaS) possible, the CBS in the cloud can give you more flexibility in terms of design and cost structure.

Ecosystems: There’s more to choosing a new CBS than just the core. It’s about changing the whole ecosystem where this core will work and interact with other systems (inside and outside the bank, such as markets).

Standards: The market for banks is moving towards standards. With the rise of architectural core banking standards, more than internal operating agility is required. They can also help the bank in many other ways, such as making it more efficient, easier to serve CBS (that is, to do maintenance and development), and giving it an easy-to-manage architecture with best-of-breed features and scalability.

The Rise of Open Banking.

Open banking is a paradigm shift that allows customers to take control of the financial data they would like to share securely with third-party providers through open APIs (Application Programming Interfaces). It promotes competition, innovation, and collaboration within the banking ecosystem, benefiting customers with enhanced services and personalized experiences.

 

Open banking allows banks to expand their product offerings by collaborating with fintech companies, leveraging their specialized capabilities. It enables banks to provide customers with broader financial solutions beyond traditional banking services, such as personalized financial management tools, digital lending platforms, and investment advisory services.

API Integrations and Core Banking Technology.

API integrations play a pivotal role in realizing the potential of open banking. APIs allow various software systems to share data seamlessly, enabling banks to integrate their core banking systems with external applications and services. Here are a few key reasons why API integrations are vital for the future of core banking technology:

Enhanced Customer Experience: API integrations enable banks create seamless CX across various touchpoints. By integrating core banking systems with third-party applications, banks can give customers real-time access to their financial data, personalized recommendations, and convenient self-service options. For example, customers can view their account balances, initiate transactions, and access financial planning tools through their preferred banking apps.

Agility and Innovation: API-driven architectures enable banks to innovate quickly to fluctuating market demands. By exposing their core banking functionalities through APIs, banks can collaborate with fintech startups, technology partners, and developers to create new products and services. This fosters a culture of innovation and allows banks to rapidly deploy new features and functionalities without requiring extensive system overhauls.

Scalability and Cost Efficiency: API integrations enable banks to leverage external capabilities without reinventing the wheel. Instead of building everything in-house, banks can connect with specialized third-party providers for specific services, such as payment processing, fraud detection, or credit scoring. This approach reduces development costs, accelerates time to market, and allows banks to scale their operations efficiently.

Regulatory Compliance: APIs and open banking facilitate compliance with evolving regulatory requirements, such as Europe’s Second Payment Services Directive (PSD2). By securely sharing customer data through standardized APIs, banks can ensure compliance with data protection and consent management regulations. Additionally, APIs enable the secure exchange of information between banks and regulatory bodies, simplifying reporting processes and reducing administrative burdens.

Conclusion

Open banking and API integrations are revolutionizing the banking industry, reshaping the future of core banking systems. Embracing these trends is crucial for senior banking leaders to stay competitive, deliver exceptional customer experiences, and drive innovation. By leveraging open APIs, banks can seamlessly integrate their core banking systems with various external services, collaborate with fintech partners, and provide customers with personalized, data-driven solutions.

The future of core banking lies in embracing open banking principles and building flexible, API-driven architectures. As senior banking leaders, it is essential to foster a culture of innovation, invest in robust API frameworks, and forge strategic partnerships to unlock the full potential of open banking. By embracing these trends, banks can position themselves as agile, customer-centric financial institutions ready to thrive in the digital era.

About Maveric Systems

Starting in 2000, Maveric Systems is a niche, domain-led Banking Tech specialist partnering with global banks to solve business challenges through emerging technology. 3000+ tech experts use proven frameworks to empower our customers to navigate a rapidly changing environment, enabling sharper definitions of their goals and measures to achieve them.

Across retail, corporate & wealth management, Maveric accelerates digital transformation through native banking domain expertise, a customer-intimacy-led delivery model, and a vibrant leadership supported by a culture of ownership.

With centers of excellence for Data, Digital, Core Banking, and Quality Engineering, Maveric teams work in 15 countries with regional delivery capabilities in Bangalore, Chennai, Dubai, London, Poland, Riyadh, and Singapore.

 

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How Banking Transformation Services Drive Innovation in BFSI Sector

How Banking Transformation Services Drive Innovation in BFSI Sector

The BFSI (Banking, Financial Services, and Insurance) sector has undergone a remarkable transformation over the years, driven by technological advancements, changing customer expectations, and regulatory shifts. Financial institutions (FIs) must continuously innovate and adapt to stay competitive and relevant in this dynamic landscape. Banking transformation services are pivotal in driving innovation within the BFSI sector. This article will explore the evolution of challenges and recent shifts in the BFSI sector, highlight some of the recent achievers and innovators in the industry, discuss the pressing challenges ahead, and conclude by examining the technology factors that will be game-changing for the BFSI sector shortly.

Enhancing Banking Transformation Services

Partnering with seasoned BankTech companies like Maveric that challenge the status quo through fresh thinking and deep domain contextualization is a powerful way to feed the innovation pipeline for leading BFSI players.

Evolution of Challenges and Recent Shifts in the BFSI Sector

The BFSI sector has faced challenges, including legacy systems, slow technology adoption, and increasing customer demands. However, recent years have witnessed significant shifts, primarily driven by technology and changing consumer behaviors.

Corporate Banking Transformations

Digital technologies have accelerated the pace of digital transformation in the BFSI sector. FIs are embracing mobile banking, digital payments, and online account management to cater to tech-savvy customers who expect convenience and seamless experiences.

Fintech Disruption

The emergence of fintech startups has disrupted traditional banking models. Fintechs leverage innovative technologies, such as AI, blockchain, and data analytics, to offer specialized financial services, challenging the status quo and forcing traditional FIs to adapt or collaborate.

Customer-Centricity

Customer expectations have evolved, with a growing demand for personalized services and hyper-personalized experiences. FIs must focus on customer-centricity, leveraging data and AI-driven insights to deliver tailored solutions and improve customer engagement.

Regulatory Compliance

Regulatory changes have been frequent, posing compliance challenges for FIs. Stricter regulations like GDPR and PSD2 in Europe have forced FIs to enhance data security and transparency.

Digital Corporate Banking Solutions: Recent Achievers and Innovators

Several FIs and fintech companies have emerged as trailblazers, driving innovation in the BFSI sector. For instance, digital-only banks like Chime and Revolut have gained popularity by offering mobile-first banking experiences with no monthly fees and innovative budgeting tools. Meanwhile, PayPal has extended its offerings to include peer-to-peer payments, online checkout solutions, and even cryptocurrency transactions, diversifying its services to meet customer needs. Additionally, Stripe has become a fintech leader by providing seamless payment processing solutions for online businesses, simplifying the complex world of online transactions.

Pressing Challenges Ahead in Banking Transformation Services

While the BFSI sector has made significant strides, several challenges lie ahead. Cybersecurity remains a top concern as cyber threats become more sophisticated, requiring FIs to fortify their defenses continually. The rise of digital currencies and decentralized finance (DeFi) also presents regulatory and security challenges for FIs, as they navigate this rapidly evolving landscape. Moreover, as customer expectations continue to rise, FIs must balance delivering personalized services and ensuring data privacy, which poses a delicate challenge.

Technology Factors Driving Corporate Banking Transformations.

Several technological factors will play a game-changing role in the BFSI sector. AI and ML will drive predictive analytics and personalized customer experiences, allowing FIs to anticipate customer needs proactively. Blockchain technology will revolutionize data security and transaction transparency, making operations more efficient and secure. Additionally, the Internet of Things (IoT) will enable the integration of financial services into everyday devices, expanding the scope of banking and payments.

Conclusion

The BFSI sector has experienced significant shifts in recent years, driven by digital transformation, fintech disruption, and changing customer preferences. To stay ahead, FIs must embrace banking transformation services that drive innovation. Leaders in the sector have already demonstrated their adaptability and ingenuity, leveraging technology to meet customer demands. However, as the industry evolves, it must address pressing cybersecurity and regulatory compliance challenges. By harnessing emerging technologies like AI, blockchain, and IoT, the BFSI sector can position itself for continued growth and success, catering to customers’ evolving needs in the digital era.

About Maveric Systems

Starting in 2000, Maveric Systems is a niche, domain-led Banking Tech specialist partnering with global banks to solve business challenges through emerging technology. 3000+ tech experts use proven frameworks to empower our customers to navigate a rapidly changing environment, enabling sharper definitions of their goals and measures to achieve them.

Across retail, corporate & wealth management, Maveric accelerates digital transformation through native banking domain expertise, a customer-intimacy-led delivery model, and a vibrant leadership supported by a culture of ownership.

With centers of excellence for Data, Digital, Core Banking, and Quality Engineering, Maveric teams work in 15 countries with regional delivery capabilities in Bangalore, Chennai, Dubai, London, Poland, Riyadh, and Singapore.

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Credit Risk Modeling with Advanced Analytics

Credit Risk Modeling with Advanced Analytics

Credit risk management is a critical aspect of banking operations, and accurate assessment and modeling of credit risk are essential for maintaining a healthy loan portfolio. In recent years, the advancement of analytics and technology has revolutionized credit risk modeling. Advanced analytics techniques have enabled banks to enhance credit risk assessment accuracy, efficiency, and effectiveness. In this blog, we explore how credit risk modeling is dependent on advanced analytics and the benefits it brings to the banking industry. Collaborating with deep domain experts and a proven data technology prowess, like Maveric, helps leading banks hone their credit risk modeling strategy.

Understanding Credit Risk Modeling:

Credit risk modeling involves assessing the likelihood of default and estimating potential losses associated with lending activities. Traditionally, credit risk models relied on historical data, basic statistical techniques, and subjective judgment. However, technological advancements and the availability of vast data have opened up new opportunities for credit risk modeling using advanced analytics.

The Role of Advanced Analytics in Credit Risk Modeling:

Enhanced Data Processing and Analysis:

Advanced analytics techniques, such as ML enable banks to efficiently process and analyze huge volumes of structured and unstructured data. This includes financial statements, credit reports, social media data, and macroeconomic indicators. By harnessing the power of advanced analytics, banks can uncover hidden patterns, identify emerging risks, and make more accurate credit risk assessments.

Improved Risk Identification and Scoring:

Advanced analytics techniques enable banks to develop sophisticated risk identification and scoring models. Machine learning algorithms can identify relevant risk factors and assign appropriate weights based on their predictive power. This enables banks to develop more accurate credit scoring models, leading to better-informed credit decisions and reducing the likelihood of default.

Predictive Modeling and Early Warning Systems:

Advanced analytics techniques enable banks to build predictive models that forecast the probability of default or delinquency. By analyzing historical data and incorporating various risk factors, such as income, employment history, and debt-to-income ratios, these models can provide early warning signals for potential credit default. This allows banks to take proactive measures and mitigate potential risks in their loan portfolio.

Portfolio Optimization and Stress Testing:

Advanced analytics techniques facilitate portfolio optimization and stress testing. Banks can assess the robustness of their credit risk models by simulating various economic scenarios and analyzing the impact on the loan portfolio. This helps banks identify potential vulnerabilities, allocate resources effectively, and optimize their portfolio for risk and return.

Fraud Detection and Prevention:

Advanced analytics is crucial in detecting and preventing fraudulent activities in credit portfolios. Machine learning algorithms can identify patterns of fraudulent behavior by analyzing historical transaction data. By incorporating these algorithms into credit risk models, banks can better detect and prevent fraudulent applications, reducing financial losses and enhancing the overall credit risk management process.

Benefits of Advanced Analytics in Credit Risk Modeling:

Enhanced Accuracy and Efficiency:

Advanced analytics techniques improve the accuracy of credit risk models by incorporating a broader range of risk factors and analyzing larger datasets. This leads to more precise credit risk assessments, reducing the likelihood of default and potential losses. Additionally, advanced analytics streamlines the credit risk modeling process, enabling banks to make faster and more informed credit decisions.

Better Customer Segmentation and Personalization:

Advanced analytics allows for more granular customer segmentation based on risk profiles, enabling banks to tailor products and services to specific customer segments. This leads to better-targeted marketing campaigns, personalized credit offers, and improved customer experiences.

Regulatory Compliance:

Advanced analytics helps banks comply with regulatory requirements by providing robust and transparent credit risk models. Regulators increasingly emphasize the importance of data-driven and forward-looking credit risk assessments. Advanced analytics techniques enable banks to demonstrate compliance by providing accurate risk measurements and documentation.

Competitive Advantage and Business Growth:

Banks can earn a competitive edge in the market by leveraging advanced analytics in credit risk modeling. Accurate credit risk assessments allow banks to make well-informed lending decisions, attracting low-risk borrowers and reducing the overall cost of credit. This strengthens the bank’s reputation, builds customer trust, and supports sustainable business growth.

Conclusion:

Advanced analytics has transformed credit risk modeling in the banking industry. By harnessing the power of machine learning, data mining, and predictive modeling, banks can make more accurate credit risk assessments, enhance portfolio optimization, detect and prevent fraud, and improve overall decision-making. The benefits of advanced analytics in credit risk modeling are manifold, including improved accuracy and efficiency, better customer segmentation, regulatory compliance, and a competitive advantage in the market. As the banking industry evolves, embracing advanced analytics in credit risk modeling is vital for banks to thrive, manage risks effectively, and drive sustainable growth.

 Conclusion

As smartphones, tablets, and other mobile devices increase, users now want their banking services to be more accessible and flexible. IT solutions for banks have also helped them lower their running costs. With technology, banks can do their jobs with fewer staff, reducing overhead costs. This could mean more money in the bank and more competition in the market.

One study (from Moneytransfer.com) says that by 2025, there will be 216.8 million digital banking customers in the US alone, and by 2024, there will be more than 3.6 billion online banking customers and users worldwide. The numbers can show how quickly people are using digital banking solutions, and they can also show why everyone should use Banking IT Solutions.

About Maveric Systems

Starting in 2000, Maveric Systems is a niche, domain-led Banking Tech specialist partnering with global banks to solve business challenges through emerging technology. 3000+ tech experts use proven frameworks to empower our customers to navigate a rapidly changing environment, enabling sharper definitions of their goals and measures to achieve them.

Across retail, corporate & wealth management, Maveric accelerates digital transformation through native banking domain expertise, a customer-intimacy-led delivery model, and a vibrant leadership supported by a culture of ownership.

With centers of excellence for Data, Digital, Core Banking, and Quality Engineering, Maveric teams work in 15 countries with regional delivery capabilities in Bangalore, Chennai, Dubai, London, Poland, Riyadh, and Singapore.

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Accelerate Innovation with the Power of Cloud Computing in the Banking Sector

Accelerate Innovation with the Power of Cloud Computing in the Banking Sector

Innovation has become the lifeblood of the banking sector as financial institutions strive to meet the evolving needs of customers in the digital age. Cloud computing has emerged as a powerful technology that accelerates innovation, enhances operational efficiency, and enables banks to deliver innovative products and services. This blog post explores how cloud computing is transforming the banking sector, enabling faster time-to-market, improved scalability, cost optimization, and enhanced security. Partnering with banking domain experts in digital operations and cloud implementations like Maveric Systems offers a distinct strategic edge to forward-thinking FIs.

Agility and Time-to-Market:

Cloud computing provides banks with the agility required to rapidly respond to market demands and introduce new products and services. The cloud offers a flexible and scalable infrastructure that allows banks to quickly provision computing resources, scale up or down as needed, and experiment with new ideas without significant upfront investments. With cloud-based solutions, banks can accelerate their development cycles, reduce time-to-market, and gain a competitive edge in the digital landscape.

Scalability and Flexibility:

The scalability of cloud computing allows banks to efficiently handle varying workloads and seasonal fluctuations in customer demands. Traditional on-premises infrastructure often struggles to scale effectively, leading to capacity constraints and performance issues. In contrast, cloud-based solutions provide virtually unlimited scalability, enabling banks to scale their resources on-demand and handle peak loads efficiently. This flexibility ensures that banks can deliver a seamless and consistent user experience even during periods of high demand.

Cost Optimization:

Cloud computing offers significant cost advantages for banks by eliminating the need for large upfront investments in hardware, infrastructure, and maintenance. With the cloud, banks can pay for computing resources on a usage basis, reducing capital expenditure and shifting towards operational expenditure. Additionally, the cloud enables banks to optimize costs by leveraging economies of scale, automating processes, and eliminating the need for redundant infrastructure. This cost optimization allows banks to allocate resources more effectively and invest in innovation and customer-centric initiatives.

Enhanced Security and Compliance:

Data security is a top priority for the banking sector, and cloud computing provides robust security measures to protect sensitive customer information. Cloud service providers offer advanced security features, such as encryption, firewalls, and access controls, to ensure data protection and regulatory compliance. These providers also invest heavily in cybersecurity measures, employing dedicated security teams and implementing rigorous monitoring and threat detection systems. By leveraging cloud services, banks can enhance their security posture and meet stringent regulatory requirements.

Innovation and Collaboration:

Cloud computing fuels innovation by providing banks with access to a wide range of advanced technologies and services. Cloud platforms offer a rich ecosystem of tools, APIs, and pre-built integrations that banks can leverage to build innovative applications, accelerate development cycles, and experiment with emerging technologies such as artificial intelligence and machine learning. Furthermore, cloud-based collaboration tools enable efficient teamwork and foster collaboration between different departments and external partners, promoting a culture of innovation within the organization.

Disaster Recovery and Business Continuity:

Maintaining robust disaster recovery and business continuity capabilities is vital for the banking sector. Cloud computing simplifies and enhances these critical aspects. Banks can leverage cloud-based backup and recovery solutions to ensure data resilience and minimize downtime in the event of a disaster. Cloud platforms offer geographically distributed data centers and redundant infrastructure, ensuring high availability and seamless failover capabilities. This resilience allows banks to recover quickly from disruptions, safeguard customer data, and ensure uninterrupted operations.

Conclusion

Cloud computing has emerged as a game-changer for the banking sector, enabling faster time-to-market, improved scalability, cost optimization, enhanced security, and streamlined innovation. By embracing the power of the cloud, banks can drive innovation, deliver personalized customer experiences, and remain competitive in the digital age. Cloud computing empowers banks to scale their infrastructure, accelerate development cycles, enhance security, and efficiently manage costs. With its agility, flexibility, and advanced capabilities,

About Maveric

Starting in 2000, Maveric Systems is a niche, domain-led Banking Tech specialist partnering with global banks to solve business challenges through emerging technology. 3000+ tech experts use proven frameworks to empower our customers to navigate a rapidly changing environment, enabling sharper definitions of their goals and measures to achieve them.

Across retail, corporate & wealth management, Maveric accelerates digital transformation through native banking domain expertise, a customer-intimacy-led delivery model, and a vibrant leadership supported by a culture of ownership.

With centers of excellence for Data, Digital, Core Banking, and Quality Engineering, Maveric teams work in 15 countries with regional delivery capabilities in Bangalore, Chennai, Dubai, London, Poland, Riyadh, and Singapore.

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