Consumer Banking & Capital markets as an industry has undergone a dramatic operational transformation over recent years, but the imperative to increase revenue remains unchanged. The Internet, contact centers, advanced kiosks, ATMs, SMS, and other channels have all helped to free up front-office branch and sales staff from transactional activities, but the banks have frequently been unable to use these new capabilities to sign up new customers or to increase their share of customer wallet. Most bank executives are certain that transactional channels can be leveraged to generate more revenue, but they are not sure how. At the other far end, there are many issues that are challenging like toxic assets, credit issues, consumer confidence, and other global economic factors, amid the regulation and compliance intervention.
Whilst there is an array of solutions that attempt to address persistent issues (CRM, Channel management etc.), there is a severe unaddressed thrust on the real-time asset/liability control, Risk management and monitoring, uplifting the core products design with resilience, segment-wise profitability, seamless and simplified business process (like account opening/servicing, cross sell/up sell, leverage customer face time etc.), integrated technology solution stack, governance and control are just to name a few, in the changing regulatory environment.
Cost optimization, process efficiency are proven critical success factors for any business, and even more so to the financial institutions especially during these recovery and stabilization times.
Without clarity in the rules, boundaries and roles between and within which operational units function, banks’ create and live-in an exhaustive solution stack that is fragmented, siloed, redundant and yet incomplete.
The number of practical top-level options for how a bank operates is in fact quite finite, although there is substantial scope for differentiation within these alternatives, and many more creative options open up while descending to the lower-levels breaking the complexity and implementing operational solution frameworks.
Your bank thus needs a technology partner who is also business savvy and provides innovative and effective technology-driven business solutions. Visionet offers services in the retail Mortgage Banking , wholesale Mortgage Banking , business Mortgage Banking , internet Mortgage Banking and central Mortgage Banking with ATM networks, Payment gateways and Cards services included.
We partner with leading Banks, Investment Banks, and Investment Management firms around the globe with state of the art technology solutions to address business priorities like operational efficiency, cost optimization, revenue enhancement and regulatory compliance. Within the securities and capital markets, Visionet has a dedicated practice focusing on providing solutions in the Buy Side (Asset Management), Sell Side (Brokerage) and Exchange / Marketplace domains. A key advantage that sets Visionet apart from our competition is our deep domain knowledge and our best practices have proven to be a significant differentiator in providing our “client specific” tailor-made solutions.
| CONSUMER LENDING |
| Focus Areas |
Solution Domains |
Common & Shared Services |
| Retail Mortgage Banking (Consumer Centric) |
Branch Mortgage Banking Operations |
Legal, Compliance & Reporting |
| Wholesale Mortgage Banking (Interbank) |
ATMs |
Risk Management & Monitoring |
| Business Mortgage Banking (Commercial) |
Interbank Operations |
Systems & Information Security Services |
| Central Banks |
Treasury |
Data Management |
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Online Mortgage Banking Services |
Document Management |
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Asset & Liability Control |
Transaction Management |
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Cards Servicing* |
Customer Service / Call Centers |
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Customer Relationship Management (Sales) |
| CAPITAL MARKETS |
| Focus Areas |
Solution Domains |
Common & Shared Services |
| Brokerage & Investment Mortgage Banking |
Trading Systems (Front & Middle Office) |
Trading Systems |
| Wealth Management |
Clearing & Settlement Services |
Derivatives & STP |
| Asset Management |
Securities Borrowing & Lending |
Infrastructure Optimization |
| Investment Services |
Prime Brokers & Broker Dealers |
Storage & Cache |
| Custody & Depository Services |
Back Office Processing |
Business Continuity/Disaster Recovery |
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Securitization & Funds Operations |
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Asset Management & Custody |
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Advisory & Private Client Services |
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Business Mortgage Banking |
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| BUSINESS PROCESS |
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TECHNOLOGY SERVICES |
| Account Origination/Servicing |
Data Management/Data Architecture |
| Branch Modernization |
Transaction Management |
| Reconciliation, Analysis & Investigation |
Compliance, Warehousing & Reporting |
| Customer Support/Call Centers |
Risk Management |
| Risk management & Monitoring |
Legacy Migration/Modernization |
| Real-time Asset/Liability Control |
Business Analysis & Testing |
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Application Design & Development |
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Systems Maintenance & Support |
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TECHNOLOGY SERVICES |
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Data Management/Data Architecture |
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Transaction Management |
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Compliance, Warehousing & Reporting |
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Risk Management |
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Legacy Migration/Modernization |
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Business Analysis & Testing |
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Application Design & Development |
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Systems Maintenance & Support |
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| FULL SPECTRUM OF SERVICES FOR CAPITAL MARKETS |
| Portfolio Analysis |
Performance, Attribution and Risk Measurement
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| Investment Decision |
| Asset Allocation |
| Advisory Services |
| Pre-Trade Compliance |
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| Execution |
| Equities / Fixed Income |
| Derivatives / Rates Brokerage |
| Pre-Trade Compliance |
| Prime Brokerage |
| Trading |
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| Security Services |
| Corporate Trust/Actions Depository Receipts |
| Collateral Reporting |
| Transfer Agent Processing |
| Retirement Planning |
| Client Relationships |
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| Exchanges & Marketplace |
| Company Listings |
| Market Surveillance |
| Exchange notifications |
| Depot Transactions |
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| Clearing & Settlement |
| Global Payments |
| Reference data |
| Reconciliation |
| Securities Clearance |
| Settlement Instructions |
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| Client Reporting |
| Custody Accounting |
| Securities Lending |
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| Client Reporting |
| Custody Accounting |
| Securities Lending |
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| General Ledger & Operations |
| GL Accounting |
| Feeds and MIS |
| Reconciliation |
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