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Banking, Financial Services & Insurance (BFSI)

Rewiring Financial Futures with Scalable Digital,
Cloud, and AI-Driven Innovation

Guiding BFSI transformation with AI, cloud, and compliance-driven modernization

With 30+ years of experience across 60+ BFSI institutions, including Fortune 100 insurers, HTC delivers future-ready transformation. Our AI, cloud, and automation services modernize core systems, enhance customer experience, ensure regulatory compliance, and accelerate speed-to-market—empowering BFSI firms to lead amid rapid change

Industry Verticals We Serve

Banking & Financial Services

We deliver AI-powered solutions across the banking landscape. Our services modernize core systems, enhance customer experiences, manage complex risk, and ensure regulatory compliance, enabling secure, profitable operations.

Insurance

We help insurance carriers navigate disruption through AI-driven automation and cloud-first core modernization. Our solutions boost operational efficiency and deliver personalized, omnichannel experiences for sustained competitive advantage.

Banking on Smart Execution: From Core Modernization to Digital Agility

Core Platform Modernization Services

Core Platform Modernization Services

Core Platform Modernization Services

Modernizes legacy banking & insurance cores—Guidewire, Duck Creek, Majesco, Temenos, FIS, SAP—via cloud-native, modular deployment, open APIs, phased managed services for agile, real-time processing and digital integration.

Application Development & Management (ADM)

Application Development & Management (ADM)

Application Development & Management (ADM)

Builds and modernizes web, mobile, and API solutions; migrates legacy to cloud-native; drives DevOps CI/CD, microservices, AMS, and hypercare for scalable, reliable financial apps.

Digital Transformation & Omnichannel Experience

Digital Transformation & Omnichannel Experience

Digital Transformation & Omnichannel Experience

Creates digital products, CX platforms, portals, mobile apps; digitizes workflows for loans, claims, onboarding; delivers embedded finance, iFNOL, next-gen channels for superior omnichannel engagement.

AI, ML & Intelligent Automation

AI, ML & Intelligent Automation

AI, ML & Intelligent Automation

AI/ML powers claims, underwriting, fraud, credit risk, hyper-personalization; RPA-to-agentic AI automates workflows; real-time analytics, data lakes and decision intelligence boost compliance, speed and insight.

Data & Analytics Services

Data & Analytics Services

Data & Analytics Services

Modernizes data, governance, lakes and unified cloud platforms; applies predictive modeling, real-time insights, AI-enabled iFNOL, risk analytics, decision automation to turn information into strategic assets.

Advisory & Consulting Services

Advisory & Consulting Services

Advisory & Consulting Services

Strategic IT advisory, enterprise architecture, cloud/data modernization, KYC, AML, Basel, ESG alignment; delivers risk mitigation, digital roadmaps, platform/vendor selection and process transformation.

Business Process Services (BPS)

Business Process Services (BPS)

Business Process Services (BPS)

Outsources policy, claims, loans, trade orders, KYC/AML, reporting, F&A, customer service, and collections—optimizing banking and insurance operations for efficiency.

Cloud, DevOps & Infrastructure Services

Cloud, DevOps & Infrastructure Services

Cloud, DevOps & Infrastructure Services

Drives agility via cloud strategy, migration, multi-cloud optimization, SaaS/PaaS adoption; embeds DevSecOps, automated CI/CD, security, resilience, compliance to modernize infrastructure and assure continuity.

Digital Payments & Billing Services

Digital Payments & Billing Services

Digital Payments & Billing Services

Modernizes premium invoicing, payment processing, reconciliation; delivers RTP, digital wallets, embedded finance, secure platforms—fueling seamless payment innovation for banking customers and insurers.

Quality Assurance & Testing

Quality Assurance & Testing

Quality Assurance & Testing

Provides functional, regression, UAT, performance, security, compliance testing; automates pipelines, QAOps, Guidewire-specific QA—ensuring secure, reliable payments and mobile apps with continuous testing.

Enterprise Content & Communication Mgmt.

Enterprise Content & Communication Mgmt.

Enterprise Content & Communication Mgmt.

Uses Hyland OnBase, NewGenONE ECM and SmartCOMM CCM with IDP, BPM, workflow orchestration, records retention to digitize content and automate personalized, compliant customer communications.

Integration & Ecosystem Enablement

Integration & Ecosystem Enablement

Integration & Ecosystem Enablement

Connects core systems to fintech/Insurtech via APIs, MuleSoft, Apigee, microservices; enables open banking, BaaS, real-time data exchange, marketplace models, and workflow automation across platforms.

Intelligent Engines Driving the Future of Finance & Customer Trust

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Intelligent Automation (including RPA)arrow-up-down
Intelligent Automation (including RPA)arrow-up-down

Streamlines repetitive BFSI tasks using RPA and AI—automating claims intake, policy administration, and loan origination—boosting operational efficiency, reducing errors, and accelerating service delivery.

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Cybersecurity, Risk, & Compliance (GRC)arrow-up-down
Cybersecurity, Risk, & Compliance (GRC)arrow-up-down

Implements zero-trust security and digital identity management to protect BFSI data; automates regulatory processes and ensures AML and KYC compliance while managing risk exposure.

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Digital Platforms & Customer Experience (CX)arrow-up-down
Digital Platforms & Customer Experience (CX)arrow-up-down

Enhances mobile, web, and branch experiences via CRM, CCM, and self-service portals—enabling seamless engagement, onboarding, and end-to-end optimization of customer journeys.

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Intelligent Automation: Operational Pilotarrow-up-down
Intelligent Automation: Operational Pilotarrow-up-down

Automate routine BFSI processes (loan origination, claims handling, policy admin), improving efficiency, accuracy, and service quality.

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Cybersecurity & Compliance: The Guardianarrow-up-down
Cybersecurity & Compliance: The Guardianarrow-up-down

Robust cybersecurity with zero-trust, digital identity protection, automated regulatory compliance (AML/KYC), and proactive risk mitigation.

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Digital CX Platforms: Experience Architectarrow-up-down
Digital CX Platforms: Experience Architectarrow-up-down

Unified customer platforms enabling seamless omnichannel experiences, enhanced engagement, and optimized digital customer journeys.

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Open Banking & API Ecosystemsarrow-up-down
Open Banking & API Ecosystemsarrow-up-down

Enables secure API-based data sharing across BFSI, fostering fintech and insurtech integration, embedded insurance, BaaS models, and innovative customer offerings and revenue streams.

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Generative AI (GenAI)arrow-up-down
Generative AI (GenAI)arrow-up-down

Improves customer interactions and financial performance using AI advisors, personalized guidance, and unstructured data insights—driving BFSI hyper-personalization and automation capabilities.

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DevSecOpsarrow-up-down
DevSecOpsarrow-up-down

Accelerates secure, reliable tech delivery in BFSI using agile methodologies, automated testing, and continuous integration/deployment to enhance release speed and software resilience.

Success Stories

An Exclusive Data Mart Solution For Faster and Fair Claim Settlements
Data & Insights, Business Process Services
An Exclusive Data Mart Solution For Faster and Fair Claim Settlements
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Pushing The Boundaries Of Guidewire Driven Growth And Innovation
Insurance, Guidewire
Pushing The Boundaries Of Guidewire Driven Growth And Innovation
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Policy And Billing Transformations: An Insurer Goes For More!
Insurance, Guidewire
Policy And Billing Transformations: An Insurer Goes For More!
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Build Customer Connections And Promote Brand With Salesforce Marketing Cloud
Pharmaceuticals, Salesforce
Build Customer Connections And Promote Brand With Salesforce Marketing Cloud
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From Legacy Boundaries To Guidewire Possibilities, Guiding An Insurer All The Way
Insurance, Guidewire
From Legacy Boundaries To Guidewire Possibilities, Guiding An Insurer All The Way
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The RPA-Driven Transformation That Saved Millions
BFSI, Robotic Process Automation (RPA)
The RPA-Driven Transformation That Saved Millions
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Uncovering Vulnerabilities Across A Financial Institutions’ Infrastructure
BFS – Cybersecurity, Cybersecurity
Uncovering Vulnerabilities Across A Financial Institutions’ Infrastructure
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Enhanced Operational Efficiency For Providing Innovative Customer Services With Oracle Upgrade
BFSI, Oracle Services
Enhanced Operational Efficiency For Providing Innovative Customer Services With Oracle Upgrade
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Driving Transformation Through Unified Systems
Insurance
Driving Transformation Through Unified Systems
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Powering Claims Modernization With Automation-Led Data Migration
Insurance, Duck Creek
Powering Claims Modernization With Automation-Led Data Migration
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Enabling a Transformative FNOL Experience
Insurance, Duck Creek
Enabling a Transformative FNOL Experience
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Towards A Smarter Claims Correspondence
SmartCOMM
Towards A Smarter Claims Correspondence
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HTC Accelerates A Large Insurer’s Ambitious Digital Transformation Drive With Guidewire
Insurance, Guidewire
HTC Accelerates A Large Insurer’s Ambitious Digital Transformation Drive With Guidewire
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Where Transformation Meets Quality At Speed
InsurQA, InsurQA
Where Transformation Meets Quality At Speed
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HTC Helps A Leading Insurer Delight Customers With A Better Claims Process
SmartCOMM
HTC Helps A Leading Insurer Delight Customers With A Better Claims Process
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With A New Mobile App, A Carrier Takes Its Mobile Game To The Next Level
Insurance, Mobile & IoT Experience (CX & DX)
With A New Mobile App, A Carrier Takes Its Mobile Game To The Next Level
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With HTC, a Leading Insurer Stays Current on Complex ISO Circulars
Insurance, Duck Creek
With HTC, a Leading Insurer Stays Current on Complex ISO Circulars
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Transforming Claims CX, Smartly
Insurance, SmartCOMM
Transforming Claims CX, Smartly
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To Cut A Long Story Short, Software Performance Is The Key
Insurance, Testing QA
To Cut A Long Story Short, Software Performance Is The Key
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Redefining Core Resources Management With RPA
Insurance, AI and Automation
Redefining Core Resources Management With RPA
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A Leading Banking Major Trusts HTC to Ensure a Stable and Effective Infrastructure Availability
Infra, Cloud
A Leading Banking Major Trusts HTC to Ensure a Stable and Effective Infrastructure Availability
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HTC Elevates A Leading Insurer’s Omnichannel Customer Interactions
Insurance, InsurQA
HTC Elevates A Leading Insurer’s Omnichannel Customer Interactions
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HTC Helps a leading U.S. based specialty insurer to digitally transform business operations
Insurance, ECM_CCM_Guidewire
HTC Helps a leading U.S. based specialty insurer to digitally transform business operations
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Ensuring Quick and Cost-effective Ticket Resolution
Retail, Consumer Services
Ensuring Quick and Cost-effective Ticket Resolution
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From Our Customers

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HTC has been a true transformation partner in our modernization journey. Their deep BFSI expertise, especially in cloud migration and intelligent automation, helped us reduce processing time by 40% while ensuring end-to-end compliance with evolving regulatory standards. The collaborative approach and domain understanding truly set them apart.

Chief Technology Officer, Leading Insurance Firm

Insights

Shaping the Future of Insurance: Beyond the Digital Shift

Brochure

Insurance, HTC's Insurance Services And Solutions
Shaping the Future of Insurance: Beyond the Digital Shift
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HTC Policy Submission And Administration Solution

Brochure

Insurance, HTC's Policy Submission and Administration
HTC Policy Submission And Administration Solution
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Achieving Peak Performance: How To Optimize Your Database Servers

Blog

Cloud & Infra Services, Cloud & Infra Services
Achieving Peak Performance: How To Optimize Your Database Servers
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Future-ready Trade: Streamlining Workflows Through eBRC Advancements

Blog

Banking and Financial Services, Digital
Future-ready Trade: Streamlining Workflows Through eBRC Advancements
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Towards Seamless Borders: Modernizing End-to-end International Trade Monitoring

White Paper

Towards Seamless Borders: Modernizing End-to-end International Trade Monitoring
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Digitalization Of Trade Finance: Why Should It Be A Top Priority?

Blog

Banking and Financial Services, Digital
Digitalization Of Trade Finance: Why Should It Be A Top Priority?
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Software Development With LCNC: A Walk In The Park

Blog

Application Development & Maintenance
Software Development With LCNC: A Walk In The Park
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From Risk to Reward – Transforming Insurance Operations With Data and Analytics

Blog

AI, Digital
From Risk to Reward – Transforming Insurance Operations With Data and Analytics
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Guidewire Cloud – The Success Guide To P&C On Cloud

Blog

Insurance, Cloud & Infra Services
Guidewire Cloud – The Success Guide To P&C On Cloud
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Delivering Better Healthcare Outcomes: The Importance Of Complete And Trusted Data

Blog

Health, Digital
Delivering Better Healthcare Outcomes: The Importance Of Complete And Trusted Data
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Real-Time Data. AI Insights. Dynamic Pricing: How UBI 2.0 Is Rewiring Auto Insurance

Blog

Insurance, Insurance
Real-Time Data. AI Insights. Dynamic Pricing: How UBI 2.0 Is Rewiring Auto Insurance
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Embrace Technologies And Thrive In The Modern Insurance Landscape

Blog

Digital
Embrace Technologies And Thrive In The Modern Insurance Landscape
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Accelerating CX With Connected Insurance Experiences

Blog

Insurance, Digital
Accelerating CX With Connected Insurance Experiences
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HTC InsurQA Guidewire Test Suite

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HTC’s Guidewire Services
HTC InsurQA Guidewire Test Suite
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HTC’s Guidewire Services

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Insurance, HTC’s Guidewire Services
HTC’s Guidewire Services
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Beyond Premiums: Redefining The Insurance Landscape Through Hyper-Personalization

Blog

Digital
Beyond Premiums: Redefining The Insurance Landscape Through Hyper-Personalization
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Navigating Insurance Market Dynamics With Minimum Viable Product Strategies

Blog

Insurance
Navigating Insurance Market Dynamics With Minimum Viable Product Strategies
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From Legacy To Leading: Paving The Way Forward For Legacy Modernization In Insurance

Blog

All, Legacy Modernization
From Legacy To Leading: Paving The Way Forward For Legacy Modernization In Insurance
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Creating Quantum Waves In Business By Redefining AI, NLP, And Blockchain

Blog

Digital
Creating Quantum Waves In Business By Redefining AI, NLP, And Blockchain
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Unleashing Test Automation For Insurance Transformation

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HTC Test Automation Solution For Insurance
Unleashing Test Automation For Insurance Transformation
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The Hyper-Personalization Revolution: Transforming UX for the Digital Age

Blog

Digital
The Hyper-Personalization Revolution: Transforming UX for the Digital Age
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Software Modernization Factory Framework: Powering Up Application Modernization For The Digital Age

Blog

All, Legacy Modernization
Software Modernization Factory Framework: Powering Up Application Modernization For The Digital Age
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Automating And Streamlining Export Processes: A Game-Changer For Faster eBRC With Assured Incentives

Blog

Banking and Financial Services
Automating And Streamlining Export Processes: A Game-Changer For Faster eBRC With Assured Incentives
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What Can Insurance Industry Learn From The Ping An Story?

Blog

Insurance, Insurance
What Can Insurance Industry Learn From The Ping An Story?
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Guidewire On Cloud – The Big Shift For Insurers And How To Prepare For It

White Paper

Guidewire On Cloud – The Big Shift For Insurers And How To Prepare For It
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Delivering The Future of Customer Experience

Brochure

Smart Communication
Delivering The Future of Customer Experience
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CX Reinvented With Connected Insurance

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Insurance, Digital Services
CX Reinvented With Connected Insurance
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Helping Insurers Adapt, Thrive, and Lead

Brochure

HTC and Duck Creek Technologies
Helping Insurers Adapt, Thrive, and Lead
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Transforming Customer Experience With AI/ML-Led Insurance

Blog

Insurance, Digital
Transforming Customer Experience With AI/ML-Led Insurance
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From Competition To Collaboration: The Rise Of Embedded Insurance

Blog

Insurance, Insurance
From Competition To Collaboration: The Rise Of Embedded Insurance
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Transformation At The Pace of Change

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Banking and Finance, Digital Services
Transformation At The Pace of Change
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Excellence in numbers

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30+
Years of BFSI Leadership
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60+
Premier BFSI Clients, including Fortune 100 Insurers
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3000+
Domain & Tech Specialists

Our partners

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