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Digital Banking
Solutions

Our solutions offer end-to-end personalized implementations packed with reduced time to market, effective and efficient processes.

Digital Strategy, Roadmap & PMO

XD’s digital consuling teams specialize in defining the digital strategy for banks and enterprises. Our consultants map the business KPIs and create a multi-year digital strategy to meet banks’ business KPIs. In addition, XD also specializes in creating a comprehensive and detailed digital innovation roadmap for the banks to ensure that long-term digital objectives are met. While doing so, XD’s digital Project Management Office setup and operatioanl services ensure continuous people, process, technology & innovation excellence by implementing state-of-the-art, tailor-made digital PMO for the banks.

Digital Onboarding and eKYC

XD offers frictionless and seamless digital onboarding journeys and solutions for its customers from multiple segments including retail, corporate and SMEs. It provides a complete solution to onboard new customers swiftly, hassle-free and within the minimal time frame. XD also offers personalized work-flow based onboarding solutions for onboarding new customers and providing an e-kyc services for the customers.

Our digital onboarding solution offers a complete end-to-end and comprehensive package which manages both assisted and unassisted onboarding with straight-through processing as well as manual e-kyc approval process for both retail, corporate, wealth and SME segments.

Digital Onboarding and eKYC

XD offers frictionless and seamless digital onboarding journeys and solutions for its customers from multiple segments including retail, corporate and SMEs. It provides a complete solution to onboard new customers swiftly, hassle-free and within the minimal time frame. XD also offers personalized work-flow based onboarding solutions for onboarding new customers and providing an e-kyc services for the customers.

Our digital onboarding solution offers a complete end-to-end and comprehensive package which manages both assisted and unassisted onboarding with straight-through processing as well as manual e-kyc approval process for both retail, corporate, wealth and SME segments.

Retail Banking

XD’s retail banking solution empowers banks to deliver seamless and personalized experiences to their retail customers. With intuitive interfaces and robust functionality, customers can easily manage their accounts, make payments, and access a range of financial services.

Retailworkx enables the banks to digitize their retail digital banking services quickly in a highly personalized fashion and offer innovative new digital services which ensure cost reduction and new revenue generation opportunities for the banks.

SME Business Banking

XD offers digital business banking capabilities for the banks to digitize their small and medium enterprises business through its pre-integrated, ready to deploy, state-of-the-art SME business banking solution.

The XD SME business banking solution streamlines business operations, boost profitability, elevate SME customer experience and gives banks competitive edge to penetrate and grow their small and medium enterprises business.

SME Business Banking

XD offers digital business banking capabilities for the banks to digitize their small and medium enterprises business through its pre-integrated, ready to deploy, state-of-the-art SME business banking solution.

The XD SME business banking solution streamlines business operations, boost profitability, elevate SME customer experience and gives banks competitive edge to penetrate and grow their small and medium enterprises business.

Corporate Banking

XD is proud to offer corporate banking solution with the name of corporateworkx. Corporateworkx is a state-of-the-art, ready to deploy, a comprehensive digital corporate banking solution to target medium and large corporate segments of the banks.

It offers advance digital corporate banking features including virtual accounts, trade finance, cash management and the accelerator of corporateworkx ensures quick time-to-deployment, comprehensive end-to-end analytics and a complete 360-degree view of the corporate bank needs.

XD’s corporate banking solution ensures seamless integration, offers increased efficiency to empower banks corporate customers with unparallel convenience, cutting-edge functionality and help the banks grow and penetrate further in the corporate banking sector.

Loan Origination

XD’s loan origination solution modernizes your lending processes with its all-inclusive system. Our carefully engineered accelerator, Loanworkx enhances the performance of your lending solutions. It empowers banks to streamline their loan origination processes, reduce manual efforts, and make informed lending decisions, ensuring a smooth and efficient customer experience.

Loan Origination

XD’s loan origination solution modernizes your lending processes with its all-inclusive system. Our carefully engineered accelerator, Loanworkx enhances the performance of your lending solutions. It empowers banks to streamline their loan origination processes, reduce manual efforts, and make informed lending decisions, ensuring a smooth and efficient customer experience.

Mortgages

XD’s state-of-the-art digital mortgages solution is one of its kind and offers a complete end-to-end digital mortgage capability for the banks and enterprises. The solution offers a complete digital mortgage application capturing the flexible backend mortgage loan processing engine that supports both automated end-to-end digital journeys as well as manual/ad-hoc mortgage approval processes. The strength of this solution ensures that it can be personalized for unique mortgage journeys for different segments of the banks and it incorporates credits solicitation, fraud prevention and loan fulfilment. It also streamlines the collaboration of multiple backend mortgage teams of the banks including credit approvals, branch staff, solicitation, fulfilment as well as loan issuance and compliances.

The beauty of XD’s digital mortgages solution is its robust workflow engine and an open API platform which ensure pre-built integration with internal and external third-party APIs to offer smooth and seamless customer experience for the bank’s customers.

B2B Business Payments

XD’s B2B business banking solution is state-of-the-art corporate business to business banking payment solution which ensures seamless, automated, pre-built integration of large corporate customers with the backend banks payment systems.

The system ensures smooth workflow, approvals as well as compliance requirements and provide a pre-integrated real-time dashboard for both the banks and the corporate customers to streamline and monitor their bulk business payments business.

B2B is a revolutionary solution adopted by five multiple banks who have achieved the ROI of the solutions within first three months of the deployment of these solutions.

B2B Business Payments

XD’s B2B business banking solution is state-of-the-art corporate business to business banking payment solution which ensures seamless, automated, pre-built integration of large corporate customers with the backend banks payment systems.

The system ensures smooth workflow, approvals as well as compliance requirements and provide a pre-integrated real-time dashboard for both the banks and the corporate customers to streamline and monitor their bulk business payments business. B2B is a revolutionary solution adopted by five multiple banks who have achieved the ROI of the solutions within first three months of the deployment of these solutions.

Conversational Banking

Xpert Digital, as part of its omni-channel digital banking solutions, also offers a state-of-the-art AI enabled intelligent conversational banking solution which ensures banks to remain connected with their customers on the latest conversational platforms including their banking applications, WhatsApp, Telegram as well as other messaging platforms. XD’s conversational banking solution provides a true omni-channel solution which enables by the leading AI engines to ensure that banks customers get a seamless, personalized, intelligent customer experience embedded in their conversations.

With XD conversational banking solution, banks can optimize their customers engagement and also deployed a unified omni-channel experience, touching the bond between conversational and conventional digital banking solutions.

Digital Branch

XD’s digital branch solution automates the branch related business processes into digital channels. It provides a digital solution to automate and digitize the relationship manager, teller, branch manager and sales manager operations into digital applications. The solution also offers real-time, state-of-the-art application infrastructure to service their customers digitally, reducing the paper work and bypassing the legacy manual business process.

XD’s digital branch system also ensures cost effectiveness, efficiency, as well as optimized customer experience for the banks to their branch visiting customers.

Digital Branch

XD’s digital branch solution automates the branch related business processes into digital channels. It provides a digital solution to automate and digitize the relationship manager, teller, branch manager and sales manager operations into digital applications. The solution also offers real-time, state-of-the-art application infrastructure to service their customers digitally, reducing the paper work and bypassing the legacy manual business process.

XD’s digital branch system also ensures cost effectiveness, efficiency, as well as optimized customer experience for the banks to their branch visiting customers.

Pension and Superannuation

Xpert Digital helps banks to offer pension and superannuation solutions to their members with a seamless omni-channel digital experience, from account opening to retirement. Our purpose-built solutions combine the latest digital technology with our experts’ deep understanding of the pension and superannuation industry to deliver a delighted user journey. We also assist banks in improving their backoffice processes, reducing costs and advancing efficiencies through automation, integration and implementation.

Insurance

XD’s insurance digital solution redefines the insurance process, bridging the gap between traditional practices and contemporary user expectations. Our digital insurance solutions reduce the lengthy process and digitizes the conventional insurance practices while personalizing the insurance issuance, approval, due diligence as well as under writing process in a single pre-integrated end-to-end digital insurance solutions.

Insurance

XD’s insurance digital solution redefines the insurance process, bridging the gap between traditional practices and contemporary user expectations. Our digital insurance solutions reduce the lengthy process and digitizes the conventional insurance practices while personalizing the insurance issuance, approval, due diligence as well as under writing process in a single pre-integrated end-to-end digital insurance solutions.

Mobile Wallet

“To cater to the needs of unbanked population, XD offers mobile wallet solution named walletworkx. Our walletworkx solution enables banks to offer digital wallets to increase financial inclusions and provide convenient alternate payment mechanisms by offering lighter wallet accounts.

Our wallet account includes simple onboarding as well as managing financing payments and enjoying hassle-free wallet payment experience.”

Identity and Access Management

Xpert Digital also offers a state-of-the-art and industry-leading identity and access management digital solutions that ensure digital channels and omni-channels launched by the banks are secured, the fraud is prevented and the customers of the banks feel safe about the digital banking products offered by the banks.

Identity and Access Management

Xpert Digital also offers a state-of-the-art and industry-leading identity and access management digital solutions that ensure digital channels and omni-channels launched by the banks are secured, the fraud is prevented and the customers of the banks feel safe about the digital banking products offered by the banks.

Cloud Banking

Xpert Digital also advises its customers on their cloud banking needs, providing them the banking solutions, infrastructure advise and offers hybrid public cloud setup including an option for redefining the solution. XD’s cloud banking solution is built and deployed with unbeatable scalability, improved optimization and streamline governance, ensuring cost effectiveness, security and future technology adoption required by today and tomorrow’s banking customers.

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