The banking industry is at the forefront of digital disruption, where technology is no longer optional but essential for survival and growth. Banks today face mounting pressure from rising customer expectations, regulatory complexity, evolving fraud patterns, and legacy systems that slow innovation. Success now depends on how fast institutions can modernize, personalize, and secure their operations.
Leaders across retail, corporate, and digital-first banks are expected not only to stay compliant, but also to deliver seamless customer journeys, data-driven insights, and resilient operations. At WalkingTree Technologies, we partner with banks to reimagine their operations with AI, automation, cloud, and advanced analytics, helping them stay ahead in a competitive landscape.
Here are the key challenges shaping modern banking—and how we address them with secure, scalable, customer-centric solutions.
1.Digital Onboarding & KYC/AML
The Challenge:
KYC steps are fragmented and manual, legacy/batch integrations and inconsistent consent slow activation, and long mobile forms drive abandonment and duplicate records. Scattered logs and ad‑hoc exceptions make audit and remediation harder.
Our Solution:
- eKYC orchestration: Video KYC, OCR/IDP for IDs and proofs, biometric liveness.
- Event‑driven pipelines: Orchestrate steps with retries; adapters for CKYC, CRIF/CIBIL, PAN/Aadhaar (where applicable), and CBS.
- Risk‑based friction: Device risk, geo/velocity checks, and step‑up only for high‑risk patterns; consent and purpose tracking.
- Evidence & audit: Immutable logs, outcome dashboards, SLA/turnaround tracking, and traceable decision history.
Key Benefits:
- Faster account opening with lower drop‑offs; fewer manual reviews and re‑submissions.
- Clean, deduped customer records and audit‑ready evidence trails.
2. Fraud Detection & Financial Crime
The Challenge:
Rules‑only setups miss evolving patterns and create high false positives. Signals are siloed across channels, and models lack monitoring, while case workflows are opaque and hard to audit.
Our Solution:
- Hybrid detection: Rules + ML (anomaly detection, entity graphs, device fingerprinting, geo‑velocity, mule risk).
- Real‑time scoring APIs embedded in channels; enrichment from device/browser telemetry and third‑party data.
- Case management: Explainable features, analyst workbenches, investigation playbooks
- Model ops: Feature store, drift monitors, and controlled rollout with A/B evaluation.
Key Benefits:
Earlier fraud interception, fewer false positives, faster investigations, and reduced write‑offs.
3. Customer 360 & Personalization
The Challenge:
Product silos and batch‑only data prevent a unified view and timely, relevant offers. Manual segments go stale fast, and privacy changes reduce available signals without a strong consent design.
Our Solution:
- Lakehouse with entity resolution: Golden profiles; curated domains for deposits/lending/payments.
- Real‑time events & features: Vector search for intent, propensity models, journey triggers (next‑best‑action).
- Activation: APIs to app/web/branch/CC; guardrails for consent, frequency capping, and PII minimization.
Key Benefits:
Higher conversion and cross‑sell, improved retention, proactive service for at‑risk customers.
4. Lending (LOS/LMS) Modernization
The Challenge:
Spreadsheet underwriting, manual document collection, and inconsistent policy enforcement lengthen TAT and increase rework. Decisions can be opaque, with limited post‑disbursal monitoring.
Our Solution:
- Digital LOS(Loan Origination System): Policy/rule engine, document collection with OCR/IDP, bureau & bank‑statement parsing, income/risk scoring.
- Decisioning & e‑sign: Explainable outcomes, checklists, e‑sign, secure storage; audit and compliance packs.
- Lifecycle coverage: Post‑disbursal monitoring and Early Warning Signals (EWS) feeding collections.
Key Benefits:
Faster approvals and lower cost per file; better portfolio quality and governance.
5. Payments & Disputes (Cards/UPI/NetBanking)
The Challenge:
Disputes are rising while evidence is scattered across PSPs and gateways. Tight scheme SLAs, manual handling, and limited customer visibility increase leakage and effort.
Our Solution:
- Dispute orchestration: Ingest transactions/evidence, auto‑collect artifacts, rule‑driven case flows with SLA timers.
- Self‑service: Customer portals for dispute initiation/status; notifications via email/SMS/WhatsApp.
- Reporting: Scheme‑ready templates and regulator/audit packs.
Key Benefits:
Faster resolution, lower write‑offs, better cardholder experience and retention.
6. Collections & Recovery
The Challenge:
One‑size‑fits‑all outreach, weak promise‑to‑pay tracking, and handoff gaps across vendors hinder recovery. Strategy tweaks often need IT cycles and digital payments are under‑used.
Our Solution:
- Risk segmentation: Propensity‑to‑pay, age/bucket, and behavior signals to tailor contact strategies.
- Omnichannel & payments: Email/SMS/WhatsApp/voice; instant payment links; field‑ops apps.
- Ops insight: Vendor dashboards, PTP tracking, disputes/complaints capture; low‑code strategy authoring.
Key Benefits:
Higher recovery with lower roll rates, reduced agent effort, improved borrower experience.
7. Contact Center & Service Operations
The Challenge:
High AHT(Average Handle Time) and variable quality stem from scattered knowledge and manual after‑call work. Supervisors lack scalable ways to spot coaching opportunities and compliance lapses.
Our Solution:
- Agent assist: GenAI answers with citations, intent detection, guided forms, and disposition suggestions.
- Auto‑summary to CRM: Notes, next actions, and knowledge updates; QA/compliance scoring across 100% calls.
- Insights: Topic/sentiment trends and coaching cues for supervisors.
Key Benefits:
Lower AHT(Average Handle Time) and higher FCR(First Call Resolution), consistent quality, and faster onboarding of new agents.
8. Identity & Access During M&A (Azure AD ↔ Okta)
The Challenge:
Coexisting IdPs with inconsistent policies and routing rules cause user friction. Without unified logs and a tested rollback, configuration risk is high during cutover.
Our Solution:
- Federated SSO & routing: Conditional access harmonization; staged cutover with cohorting and canary testing.
- Security controls: Key rotation, signed/encrypted assertions, risk‑based step‑up; centralized logs.
- Playbooks: Tested rollback and support runbooks; admin training and comms.
Key Benefits:
Zero‑downtime login experience, simplified administration, stronger security posture.
9. Compliance, Data Governance & Reporting
The Challenge:
Regulations evolve quickly while lineage and evidence are fragmented. Reports are manual, access controls are inconsistent, and data‑residency obligations add complexity.
Our Solution:
- Policy‑as‑code: Centralized control definitions, field‑level masking/tokenization, RBAC/ABAC, consent management.
- Lineage & evidence: End‑to‑end data lineage, control dashboards, immutable audit logs; automated regulatory packs.
Key Benefits:
Lower audit friction, faster report cycles, consistent control enforcement, clearer accountability.
10. Core Modernization & Data Platform
The Challenge:
Monolithic cores and nightly batches slow delivery and limit resilience. Data is trapped in point integrations, so analytics and ML rely on stale, inconsistent extracts.
Our Solution:
- Strangler‑fig modernization: Microservices/APIs around core journeys; containers and IaC for repeatable environments.
- Streaming → Lakehouse: Real‑time ingestion, CDC, curated marts, and ML feature store; unified observability.
Key Benefits:
Faster change velocity, resilient operations, and democratized, trustworthy data for analytics/ML.
These Problems Are Solvable—With the Right Partner
The challenges in modern banking—legacy cores, regulatory complexity, rising fraud risks, fragmented customer data, and evolving customer expectations—can seem overwhelming. But with the right strategy and execution partner, they are entirely solvable.
At WalkingTree Technologies, we combine deep banking domain expertise with next-generation capabilities in AI, Generative AI, automation, SaaS platform engineering, cloud, DevOps, and advanced analytics. Whether you’re a retail bank modernizing digital onboarding, a corporate bank streamlining lending, or a digital-first bank building personalized journeys—we can help.
We don’t just deliver technology. We co-create secure, scalable, and customer-centric platforms that strengthen compliance, drive efficiency, and empower banks to lead in an increasingly digital-first world.