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Banking and Financial Services

AI-Powered Modernization for Resilient,
Customer-Centric Banking

AI, Cloud &
CX-Led Smart Banking

With 25+ years serving global banks, HTC replaces legacy drag with cloud-native cores, AI accelerators, and pre-built compliance tools. We modernize systems, personalize journeys, and automate reporting so you gain agility, mitigate risk, and outpace fintech challengers in every market.

Powering Precision
Behind Every Transaction

AI, cloud, open banking, real-time payments, automation, and analytics are reshaping BFSI. Modern platforms enable agile innovation, compliance, security, and seamless digital experiences across channels.
Core Banking Platforms

Core Banking Platforms

Core Banking Platforms

Cloud-native systems like Temenos, FIS, Finastra, and SAP enable legacy modernization, real-time processing, open APIs, AI integration, and digital-first operations with compliance.

Digital Banking and Engagement Platforms

Digital Banking and Engagement Platforms

Digital Banking and Engagement Platforms

Solutions like Backbase and nCino power seamless digital experiences for onboarding, loan origination, and engagement across web and mobile, boosting efficiency and differentiation.

Open Banking & API Ecosystems

Open Banking & API Ecosystems

Open Banking & API Ecosystems

Drives secure API-based data sharing with fintechs and third parties to enable embedded finance, BaaS, new business models, innovation, and improved customer offerings and revenue streams.

Digital Payments & Real-Time Payments (RTP)

Digital Payments & Real-Time Payments (RTP)

Digital Payments & Real-Time Payments (RTP)

Enables secure, fast transactions with Digital Wallets and RTP systems, improving customer experience and supporting instant fund transfers in today’s fast-paced digital economy.

Core System Modernization

Core System Modernization

Core System Modernization

Modernizes legacy systems with modular, cloud-native platforms to support real-time processing, agile product launches, and integration with digital payments, lending, and trading technologies.

Financial, Trading & Treasury Platforms

Financial, Trading & Treasury Platforms

Financial, Trading & Treasury Platforms

Platforms like Murex, Calypso, and FIS Front Arena offer real-time analytics, automation, and compliance for trading, risk, and treasury, enabling optimization across asset classes.

Artificial Intelligence (AI) & Machine Learning (ML)

Artificial Intelligence (AI) & Machine Learning (ML)

Artificial Intelligence (AI) & Machine Learning (ML)

Enables hyper-personalization, fraud detection, predictive analytics, and smarter risk management through AI-powered insights, chatbots, credit scoring, trading, and regulatory compliance.

Generative AI (Gen AI)

Generative AI (Gen AI)

Generative AI (Gen AI)

Transforms customer engagement and financial performance using AI advisors and unstructured data insights, while ensuring compliance through governed AI frameworks and personalized financial guidance.

Cloud Computing

Cloud Computing

Cloud Computing

Modernizes banking systems for agility and scalability, enabling omnichannel banking, open API integration, secure digital-first models, and enhanced compliance through cloud platforms.

Data and Analytics

Data and Analytics

Data and Analytics

Transforms financial data into intelligence with predictive modeling, risk assessment, real-time reporting, and personalized experiences to drive enterprise-wide decision-making and outcomes.

RPA, Agentic AI & Intelligent Automation

RPA, Agentic AI & Intelligent Automation

RPA, Agentic AI & Intelligent Automation

Automates end-to-end banking workflows with RPA, IPA, and agentic AI, enabling personalized experiences, dynamic compliance, and adaptive, self-improving financial processes.

Customer Experience (CX) Platforms

Customer Experience (CX) Platforms

Customer Experience (CX) Platforms

Delivers personalized, seamless journeys across digital and physical channels using AI chatbots, self-service portals, and digital onboarding for web, mobile, call center, and branches.

Governance, Risk, and Compliance (GRC)

Governance, Risk, and Compliance (GRC)

Governance, Risk, and Compliance (GRC)

Automates compliance processes, monitors risk exposure, and uses AI and analytics to identify risks and streamline regulatory reporting across banking operations.

Cybersecurity

Cybersecurity

Cybersecurity

Implements zero-trust security, digital identity protection, and fraud resilience to safeguard sensitive data and ensure compliance with AML, KYC, and regulatory requirements.

Blockchain & Distributed Ledger Technology

Blockchain & Distributed Ledger Technology

Blockchain & Distributed Ledger Technology

Enhances trust and transparency in trade finance, cross-border payments, and smart contracts by reducing settlement times and securing transactions through blockchain-based systems.

The Banking Assembly Line: Modular Services for Scalable Outcomes

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Core Platform Services

Core Platform Services

Modernizes core banking & insurance via cloud-native, modular platforms, open APIs, BaaS, and legacy managed services, integrating payments, lending & trading for agile, scalable, omnichannel delivery.

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Application Development & Management Services (ADMS)

Application Development & Management Services (ADMS)

Ensures reliable, scalable banking insurance apps: core development, product engineering, modernization, cloud migration, API integration, DevOps CI/CD, microservices, plus support and maintenance across web, mobile, platforms.

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Advisory & Consulting Services

Advisory & Consulting Services

Drives transformation with IT strategy, digital roadmaps, regulatory consulting (KYC, AML, Basel, GDPR), risk mitigation, operating-model redesign, vendor evaluation, and change management for compliance-aligned growth.

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Digital Transformation Services

Digital Transformation Services

Enables digital-first banking through omnichannel CX platforms, end-to-end workflow digitization for loans, onboarding, claims, RTP, embedded finance, and ecosystem marketplace banking for customer-centric excellence.

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AI, Automation & Data Services

AI, Automation & Data Services

Unlocks value via AI/ML analytics for fraud, credit, predictions; hyper-personalization through AI advisors; RPA compliance; data governance, identity resolution, lakes; real-time insights on payments, trading, journeys.

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Business Process Services (BPS)

Business Process Services (BPS)

Enhances efficiency with F&A outsourcing, KYC/AML ops, regulatory reporting, claims, loan origination, trade order management, customer service, collections, BPM, and continuous improvement across financial operations.

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Cloud & DevOps Services

Cloud & DevOps Services

Accelerates innovation through cloud migration, infrastructure modernization, multi-cloud optimization, DevOps automation, CI/CD, cloud security, resilience, compliance frameworks, and SaaS/PaaS adoption at scale.

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Governance, Risk & Compliance (GRC)

Governance, Risk & Compliance (GRC)

Ensures security & compliance via automated regulatory reporting, enterprise & cyber risk monitoring, zero-trust security operations, digital identity management, ESG, sustainable finance, and inclusion initiatives.

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Quality Assurance & Testing

Quality Assurance & Testing

Enables fast, reliable releases with functional, regression, UAT, performance, security, compliance testing, automation pipelines, continuous testing for payments, mobile apps, and core platforms.

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Enterprise Content & Process Management

Enterprise Content & Process Management

Digitizes content & workflows through ECM, document automation, BPM, case management, workflow orchestration, digital records, and retention compliance for agile, responsive operations.

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Business Intelligence & Advanced Analytics

Business Intelligence & Advanced Analytics

Transforms data into actionable insights with financial dashboards, customer segmentation, marketing analytics, credit scoring, risk analytics, reporting automation, and visualization tools.

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Industry-Specific & Emerging Services

Industry-Specific & Emerging Services

Innovates banking with open banking APIs, fintech integration, trade order STP, digital wallets, embedded finance, payment innovation, and marketplace, ecosystem, platform banking models.

Innovation Hubs for Risk, Insight & Experience

Accelerators
Automates complex trade reconciliation and ensures compliance with regulatory mandates in capital markets and trading, streamlining operations for accuracy and audit-readiness.
Accelerators
Manages compliance for all customer trade activities, reducing risk exposure by enabling real-time monitoring, validation, and control within financial institutions.
Accelerators
Accelerates regulatory reporting by automating the creation of timely, accurate reports, helping institutions meet evolving compliance demands with improved speed and flexibility.
Accelerators
Resolves complex identities and relationships to validate KYC, perform AML watchlist filtering, and discover household or organizational links for enhanced marketing and risk analytics.
Accelerators
"Plug-n-play" platform connecting core systems to tools like SmartCOMM, enabling personalized, automated, omnichannel customer communications that improve engagement and satisfaction.
Accelerators
Integrates data silos into centralized hubs like Customer and Risk Data HUBs, enabling AI-driven analytics, a 360° customer view, and seamless, data-powered experiences.
Accelerators
An AI-native platform integrated with BFS solutions to drive automation, operational efficiency, and smart enhancements across proprietary IPs and core financial services.
Accelerators
An AI-based Smart Document Processor that automates data capture from documents, voice, and images—enabling faster claims, loan processing, and onboarding in BFS.
Accelerators
A proprietary RPA solution to build bots for automating rules-based back-office tasks like AML checks, improving efficiency, accuracy, and cost savings in BFS.

Success Stories

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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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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Insights

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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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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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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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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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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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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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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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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Transformation At The Pace of Change

Brochure

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