Industry • Banking & Financial Services

Modern banking platforms for real-time, regulated finance

TriCore Nova helps banks and financial institutions deliver secure digital banking experiences, modernize core banking systems, implement real-time payments, and embed AI for fraud detection, AML, and credit decisions.

0.99%
Targeted platform uptime
0ms
Decisioning latency goal
0d
New product to first pilot
digital banking solutions core banking modernization payments & card platforms AI fraud detection & AML cloud-native banking architecture
Banking
Risk
Compliance
Fraud
AI Analytics
Open Finance
Core Systems

Where we plug into your banking stack

From tier-1 banks to digital-first fintechs, we work across the full value chain: core banking, cards and payments, lending, digital channels, risk, finance and operations.

Outcomes we optimize for
  • Faster time-to-market for digital banking products
  • Lower cost-to-serve through automation and self-service
  • Stronger fraud / AML controls without killing conversion
  • Cleaner data for risk, finance and regulatory reporting

Core & payments modernization

  • Strangler patterns around legacy core banking platforms
  • ISO 20022, instant payments and real-time clearing
  • Event-driven ledgers, posting and reconciliation

Digital channels & journeys

  • Mobile and web digital banking solutions
  • Customer onboarding flows with e-KYC and biometrics
  • Personalised dashboards, insights and nudges

Risk, fraud & finance

  • Fraud scoring, device intelligence and anomaly detection
  • AML transaction monitoring and sanctions screening
  • Risk and finance data marts, reporting and dashboards

End-to-end banking platform blueprint

We design bank platforms as layered products: customer experience, domain services, data and AI, and controls — mapped to your regulators, regions and lines of business.

Experience & channels

  • Retail and corporate digital banking experiences
  • Branch, agent and contact centre tooling
  • Embedded finance portals and white-label apps

Domain services

  • Accounts, deposits, lending, cards and payments
  • Pricing, limits, collections and collateral services
  • APIs for partners, distributors and fintechs

Data, AI & analytics

  • Real-time streaming from channels, cores and payments
  • 360° customer profiles and behavioural features
  • Fraud, credit, churn and CLTV models in production

Controls & foundations

  • Identity, consent, entitlements and segregation of duties
  • Encryption, data residency and key management
  • Observability, SRE and operational guardrails

Core capabilities for banking & payments

All engagements are designed as reusable components and patterns so that new markets, products and channels can be launched faster, on the same platform foundations.

Core banking & ledger

  • Core banking modernization and migration strategies
  • Product factories for accounts, deposits and loans
  • Event-sourced ledgers and GL integration

Cards & payment platforms

  • Card issuing, acquiring and scheme integrations
  • Instant payments, ACH, RTGS, wallets and QR rails
  • Dispute handling, chargeback automation and fee engines

Open banking & APIs

  • Open banking API development and PSD2 compliance
  • Developer portals, sandbox environments and analytics
  • Partner onboarding, consent and monetization models

Digital experience platforms

  • Design systems for responsive, secure digital channels
  • Session management, device binding and biometrics
  • In-app cross-sell, offers and marketing automation

Operations & automation

  • RPA and workflow automation for back-office processes
  • Contact centre playbooks and knowledge bases
  • Copilots and LLM assistants for agents and operations

Data products for risk & finance

  • Regulatory data marts (Basel, IFRS and local regulators)
  • Credit, liquidity and capital management dashboards
  • Self-service semantic layers for risk, finance and product

Risk, fraud & compliance as first-class citizens

We design data, ML and decisioning foundations so fraud, AML and risk teams can move quickly without compromising auditability or regulatory expectations.

  • Unified event streams across channels, cores, cards and payments
  • Feature stores for fraud and AML models with full lineage
  • Rule engines plus ML models, with clear override and escalation paths
  • Case management integration for L1/L2 teams and SAR workflows
  • Model monitoring, bias checks, drift detection and back-testing
Control framework snapshot
Security & identity
Zero-trust security, strong customer authentication, FIDO, device trust and fine-grained entitlements.
Compliance
KYC/KYB, AML, sanctions, data-privacy rules and local data-residency requirements.
Reliability
SLIs/SLOs for critical journeys, incident playbooks, chaos drills and post-incident reviews.
Audit & traceability
Audit trails on decisions, model versions, rule changes and approvals.
Outcome

Risk and compliance get the levers they need, while product and engineering teams continue to ship safely.

Sample engagement shapes

Every bank is different, but patterns repeat. We package learnings into reference architectures, accelerators and playbooks so your second and third transformation waves move faster than the first.

Digital-only bank build-out

Design and deliver a new digital bank: core systems, digital channels, payments, data platform and run orchestration.

  • Reference architectures and vendor evaluations
  • Platform and API design, domain models and event flows
  • Operating model and Day-2 SRE and support setup

Open banking & embedded finance

Launch or uplift your open banking / embedded finance programme with secure, developer-friendly APIs.

  • API catalog, productisation and usage analytics
  • Partner onboarding journeys and sandbox environments
  • Consent, throttling, quotas and abuse protection

Fraud, AML & risk uplift

Re-platform fraud and AML decisioning on top of a unified data and feature store, with better tooling for investigators.

  • Streaming data from cards, payments and channels
  • Model development, evaluation and deployment pipelines
  • Investigator-friendly case management experiences

Ready to modernize your banking stack?

Whether you are launching a new digital bank, consolidating legacy platforms or uplifting fraud and AML capabilities, we can help design the journey and de-risk every step.

  • Discovery and architecture reviews for current platforms
  • Reference blueprints tailored to your regulators and markets
  • Hands-on engineering, migration and SRE support

Once you submit, your details are sent directly to the TriCore Nova team.

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