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Emerging technologies have brought a complete paradigm shift to banking and financial operations. FinTech companies have introduced new ways of banking with the extensive use of technology, making banks to adhere to the modern way of banking with an omnichannel approach. The advent of globalization and a constant battle in a highly competitive market has compelled the Banks, non-banking lenders, FinTechs, and Credit Unions to reconsider their business profiles and adapt to the evolving customers’ needs provisioned by our  Financial Digital Services. Financial institutions must think beyond just an automated Financial service and focus on customer experience. Providing an advanced service with improved, secure, and cost-effective Financial operations create a significant impact on customer experience.

Happiest Mind’s banking and financial IT services use disruptive technologies of AI, IoT, App Modernization, CRM, Analytics and Cloud to help financial institutions achieve their goals.

Offerings

Governance Risk & Compliance

The three pillars Governance, Risk management and Compliance should work together in sync in order for an organization to meet its objectives. Happiest Minds Governance Risk & Compliance solutions for Banking & Financial IT services helps streamline and automate data governance and reconciliation process, support compliance with Basel, Dodd-Frank & FATCA regulations. As part of the Credit Risk Compliance we act as a third eye of the organization, detecting and predicting potential defaults and estimating future losses, performing stress tests on loan portfolio, performing scenario analysis to assess credit default exposure.

  • Credit Risk Analytics
  • Regulatory reporting
  • Fraud Analytics
  • Data Governance
  • Trade Reconciliation
Smart Operations

With the abundance of pressure to match the rapid pace of tech-savvy consumer needs, banks sometimes miss managing their basics smartly. Happiest Minds Smart Operation Solutions for Banking & Financial IT Services helps improve operational efficiency. We use our BI & Insights tool to initialize automation and reengineer processes. We believe in using Cloud computing technology to achieve cost savings through usage-based billing, improve business agility due to lesser initial capital investment.

  • Case Management as a Service
  • Straight Through Processing
  • Campaign Management
  • End to End Testing
  • Real-Time Analytics
  • Alternative Channel Strategies
  • Dashboards and MIS
  • Data migration and consolidation
  • Automation testing
Customer Experience

The fast growing customer expectations and rapid addition in competitors are making it very difficult for banks to hook and retain the interest of their tech savvy customers. Happiest Mind’s Customer Experience Solutions for Banking & Financial Services helps transform the company to serve their customers better by gaining deep insights on customer needs and preferences. Using Digital technologies like Social Media, Mobile, Analytics, we understand customer behavior and engage with them by providing relevant, smart, secure and easy banking.

  • Social Banking Ecosystem
  • Social Gamification
  • Customer Lifetime Value
  • Customer Analytics
  • Financial Advisory Tools
Digital Lending & Leasing Services

The ever-changing borrower expectations for an easy and instant digital experience and a flexible lending experience for lenders have disrupted the legacy way of handling lending & leasing operations. Happiest Mind’s expertise in implementing Q2’s Lending and Leasing solutions helps Banking and Financial Services to digitize their customer experience while reducing human efforts in handling backend operations, increasing efficiency and helping increase revenues.

  • Digital borrower/investor/broker onboarding for better user experience through mobile/web
  • CRM implementation
  • Automated underwriting with risk scoring and KYC/AML through API integration
  • Automated document generation, e-Sign
  • Pricing calculator for better deal structure designing
  • Automated funding, invoices and repayments with payment gateway integrations
  • Auto sub GL generation and flow to third party accounting services
  • Collection strategies and auto case assignment
  • End to end asset tracking throughout the lease lifecycle
  • Peer to Peer Marketplace for primary and secondary markets
  • On the fly reports and live dashboards for better insights

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