Each domain delivers standalone value. Start with the capability that addresses your most urgent priority — expand as results compound. Every component integrates with your existing systems.
These aren't projections. They're production results from a $4B+ asset bank — 846 people, 46 projects, 15 months to production.
9 subsidiaries became one bank. 12M+ customers in a single view — enabling cross-sell, unified risk, and one regulatory submission.
Customer data quality that supports real-time pricing, credit decisions, and regulatory reporting that actually matches.
Year-end settlement efficiency improved 70% through governed reconciliation — less manual work, fewer errors, faster close.
AI assistants handling loan approvals, fraud flags, and collections — embedded in daily operations, not a separate experiment.
9 separate ledgers become 1. One customer identity. One credit view. One regulatory submission — without disrupting live operations.
Every customer visible across all entities — total exposure, cross-sell opportunity, and risk profile in a single view. No more duplicate records or blind spots between subsidiaries.
Move from legacy systems to the unified platform while your bank keeps running. Parallel validation, rollback protocols, and phased cutover — tested at scale with 43M+ accounts.
No single vendor owns your roadmap. Scale what you need, when you need it. Designed for millions of daily transactions with no single point of failure.
Purpose-built for institutions that have grown through acquisition and are running parallel systems. We've unified 9 subsidiaries — the methodology is proven at scale.
Start here if: you're running parallel systems post-M&A or facing recapitalization scale requirements.
Your data stops being a liability and starts being a competitive weapon — powering cross-sell, real-time pricing, and faster credit decisions.
A single data layer that feeds every team the same numbers. No more reconciliation arguments between departments. Cross-sell targeting, risk pricing, and compliance reporting all draw from the same source.
Battle-tested governance covering quality rules, lineage tracking, ownership, and lifecycle management. Not a framework document — an enforced system across 92+ system types.
Every customer relationship in real time — deposits, loans, transactions, interactions, risk scores — in a single view. The foundation for personalization and knowing your customer before they sit down.
94.6% data quality targets with automated monitoring. 70% faster year-end settlement. When your data is clean, every downstream decision gets better — pricing, credit, compliance, all of it.
Start here if: your reports don't match, your customer data is fragmented, or you can't answer simple questions about your own portfolio.
Mobile banking that actually works. Branches that advise instead of transact. Customers who stop leaving for fintechs.
Full-featured mobile banking — biometric login, real-time notifications, P2P transfers, bill pay. Designed for markets where the phone is the primary branch.
Unified experience across mobile, web, branch, ATM, and messaging. Context follows the customer — start on WhatsApp, finish in-branch, without re-explaining anything.
Digitize routine transactions out of the branch: queue management, digital onboarding, tablet-assisted service. Free up staff for high-value relationship conversations.
Meet customers on the platforms they already use. Balance inquiries, transfers, loan applications, and support — without downloading an app. USSD 2.0 for mass market reach.
Start here if: you're bleeding customers to Opay, Moniepoint, PalmPay — and your mobile app is an embarrassment.
See problems before they become losses. Automate the compliance work that's consuming your best people.
Flags at-risk loans at 30, 60, and 90-day horizons — months before default. You see problems building, not after they've already cost you money.
Credit scoring that incorporates alternative data alongside traditional bureau data. More accurate, less biased, and continuously recalibrated — replaces static scorecards that miss good borrowers.
Catches patterns that rule-based systems miss. Maps transaction relationships across entities, geographies, and time windows to surface suspicious activity buried in noise.
End-to-end automation of regulatory returns — from data extraction through validation, formatting, and submission. Eliminate manual reconciliation and redeploy compliance staff to revenue-generating work.
Start here if: NPLs surprise you at quarter-end, compliance is done in spreadsheets, and your AML team is overwhelmed.
AI that approves loans, flags suspicious transactions, and triggers collections — not AI that answers FAQs.
Document generation, report drafting, customer communication, and knowledge retrieval. AI that writes, summarizes, and synthesizes — grounded in your institution's data, not generic models.
Credit approvals, pricing, portfolio allocation, and operational routing — decisions that used to wait for people now happen in seconds. Trained on your data, calibrated to your risk appetite, auditable end-to-end.
Document processing, check imaging, ID verification, and transaction monitoring. Catches what human review misses — at the speed and scale your operations demand.
AI embedded in retail banking, corporate banking, investment, risk, compliance, operations, and customer service. Not a pilot in one department — intelligence woven into how the bank operates.
Start here if: your "AI strategy" is a chatbot and you know that's not enough.
Stop losing customers to fintechs — become the platform they plug into. Turn connectivity into a revenue channel.
Secure, managed gateway for connecting fintechs and third parties to your banking services. Authentication, monitoring, and documentation built in — partners onboard in weeks, not months.
Self-service portal for fintech partners and internal developers. Sandbox environments, onboarding workflows, and usage monitoring — so partners can build without consuming your team's time.
Pre-built frameworks for payment processors, data aggregators, identity providers, and government services. Reduce integration timelines from months to weeks.
Revenue models for third-party access — transaction fees, tiered subscriptions, premium data products. Turn your infrastructure into a platform that generates income, not just cost.
Start here if: fintechs are eating your lunch and CBN's Open Banking mandate is coming.
Every engagement below was executed through the "12345" Methodology — strategy through deployment, with measurable outcomes.
Before: 9 entities, no shared customer view, no cross-sell, duplicated compliance reporting. After: any relationship manager sees total client exposure instantly. New product launches reach all 12M+ customers on day one. One regulatory submission instead of nine. 94.6% data quality across the enterprise.
US operations were at risk of non-compliance with Fed Enhanced Prudential Standards. We redesigned operations across 8 entities, closed every gap, and delivered before the regulator's deadline — protecting the bank's license to operate.
After damaging internal fraud events and regulatory scrutiny, the firm needed to rebuild its defenses and credibility. We redesigned fraud risk management end-to-end and trained 350,000 people. The result became an industry benchmark.
36 business functions couldn't agree on basic numbers. We gave them one source of truth, retired 9 manual data repositories, and cut reporting time by 80%. The savings funded the next phase of transformation.
Every deployment follows these non-negotiable principles — regardless of module, market, or institution size.
All deployments within your data centers or locally hosted infrastructure. You control where your data lives. Full compliance with local data protection regulations. Zero data leaves your jurisdiction.
Every line of code, every model, every document belongs to you. No proprietary dependencies. No vendor lock-in. Your team can modify, extend, or replace any component independently.
No single point of failure. Designed for millions of concurrent accounts and thousands of transactions per second. Grows with your business without rearchitecting.
AI is designed into the foundation — not added as an afterthought. Your data platform feeds intelligent decisions from the start, not just reports.
Every component connects to your existing systems. No rip-and-replace. Coexistence with legacy infrastructure during transition, with a clear path to full modernization.
Your people are embedded from day one. Documentation, training, and handoff milestones built into every phase. At completion, your team operates and extends the system independently.
Build phase: Project-based, milestone-linked. No hourly billing. Phase 0 diagnostic is a fixed-fee engagement — scope and investment defined after the initial call. Post-deployment: Optional Managed Intelligence — model retraining, regulatory updates, data quality monitoring, production support. Month-to-month. Cancel anytime with 90-day notice.
A 2–4 week on-site assessment. We find where you're losing money, where you're exposed, and what can be fixed fastest. Fixed-fee, no commitment beyond this phase. You get a prioritized roadmap — we earn the right to continue.
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