Banking, Financial Services & Insurance (BFSI)

Rewiring Financial Futures with Scalable Digital,
Cloud, and AI-Driven Innovation

Transforming BFSI with AI, cloud, and compliance.

With 30+ years of experience across 60+ BFSI institutions, including Fortune 100 insurers, HTC delivers future-ready transformation. Our AI, cloud, and automation services modernize core systems, enhance customer experience, ensure regulatory compliance, and accelerate speed-to-market—empowering BFSI firms to lead amid rapid change

Industry Verticals We Serve

Banking & Financial Services

We deliver AI-powered solutions across the banking landscape. Our services modernize core systems, enhance customer experiences, manage complex risk, and ensure regulatory compliance, enabling secure, profitable operations.

Insurance

We help insurance carriers navigate disruption through AI-driven automation and cloud-first core modernization. Our solutions boost operational efficiency and deliver personalized, omnichannel experiences for sustained competitive advantage.

Services We Offer

Core Platform Modernization Services

Core Platform Modernization Services

Core Platform Modernization Services

Modernizes legacy banking & insurance cores—Guidewire, Duck Creek, Majesco, Temenos, FIS, SAP—via cloud-native, modular deployment, open APIs, phased managed services for agile, real-time processing and digital integration.

Application Development & Management (ADM)

Application Development & Management (ADM)

Application Development & Management (ADM)

Custom-builds and modernizes web, mobile, API solutions; migrates legacy to cloud-native; drives DevOps CI/CD, microservices, AMS support, proactive hypercare to ensure reliable, scalable financial applications.

Digital Transformation & Omnichannel Experience

Digital Transformation & Omnichannel Experience

Digital Transformation & Omnichannel Experience

Creates digital products, CX platforms, portals, mobile apps; digitizes workflows for loans, claims, onboarding; delivers embedded finance, iFNOL, next-gen channels for superior omnichannel engagement.

AI, ML & Intelligent Automation

AI, ML & Intelligent Automation

AI, ML & Intelligent Automation

AI/ML powers claims, underwriting, fraud, credit risk, hyper-personalization; RPA-to-agentic AI automates workflows; real-time analytics, data lakes and decision intelligence boost compliance, speed and insight.

Data & Analytics Services

Data & Analytics Services

Data & Analytics Services

Modernizes data, governance, lakes and unified cloud platforms; applies predictive modeling, real-time insights, AI-enabled iFNOL, risk analytics, decision automation to turn information into strategic assets.

Advisory & Consulting Services

Advisory & Consulting Services

Advisory & Consulting Services

Strategic IT advisory, enterprise architecture, cloud/data modernization, KYC, AML, Basel, ESG alignment; delivers risk mitigation, digital roadmaps, platform/vendor selection and process transformation.

Business Process Services (BPS)

Business Process Services (BPS)

Business Process Services (BPS)

Outsources policy lifecycle, claims, loan origination, trade order, KYC/AML, regulatory reporting, F&A, customer service, collections—optimizing core and non-core banking and insurance operations for efficiency.

Cloud, DevOps & Infrastructure Services

Cloud, DevOps & Infrastructure Services

Cloud, DevOps & Infrastructure Services

Drives agility via cloud strategy, migration, multi-cloud optimization, SaaS/PaaS adoption; embeds DevSecOps, automated CI/CD, security, resilience, compliance to modernize infrastructure and assure continuity.

Digital Payments & Billing Services

Digital Payments & Billing Services

Digital Payments & Billing Services

Modernizes premium invoicing, payment processing, reconciliation; delivers RTP, digital wallets, embedded finance, secure platforms—fueling seamless payment innovation for banking customers and insurers.

Quality Assurance & Testing

Quality Assurance & Testing

Quality Assurance & Testing

Provides functional, regression, UAT, performance, security, compliance testing; automates pipelines, QAOps, Guidewire-specific QA—ensuring secure, reliable payments and mobile apps with continuous testing.

Enterprise Content & Communication Mgmt.

Enterprise Content & Communication Mgmt.

Enterprise Content & Communication Mgmt.

Uses Hyland OnBase, NewGenONE ECM and SmartCOMM CCM with IDP, BPM, workflow orchestration, records retention to digitize content and automate personalized, compliant customer communications.

Integration & Ecosystem Enablement

Integration & Ecosystem Enablement

Integration & Ecosystem Enablement

Connects core systems to fintech/Insurtech via APIs, MuleSoft, Apigee, microservices; enables open banking, BaaS, real-time data exchange, marketplace models, and workflow automation across platforms.

Intelligent Engines Driving the Future of Finance & Customer Trust

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Intelligent Automation (including RPA)arrow-up-down
Intelligent Automation (including RPA)arrow-up-down

Streamlines repetitive BFSI tasks using RPA and AI—automating claims intake, policy administration, and loan origination—boosting operational efficiency, reducing errors, and accelerating service delivery.

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Cybersecurity, Risk, & Compliance (GRC)arrow-up-down
Cybersecurity, Risk, & Compliance (GRC)arrow-up-down

Implements zero-trust security and digital identity management to protect BFSI data; automates regulatory processes and ensures AML and KYC compliance while managing risk exposure.

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Digital Platforms & Customer Experience (CX)arrow-up-down
Digital Platforms & Customer Experience (CX)arrow-up-down

Enhances mobile, web, and branch experiences via CRM, CCM, and self-service portals—enabling seamless engagement, onboarding, and end-to-end optimization of customer journeys.

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Intelligent Automation: Operational Pilotarrow-up-down
Intelligent Automation: Operational Pilotarrow-up-down

Automate routine BFSI processes (loan origination, claims handling, policy admin), improving efficiency, accuracy, and service quality.

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Cybersecurity & Compliance: The Guardianarrow-up-down
Cybersecurity & Compliance: The Guardianarrow-up-down

Robust cybersecurity with zero-trust, digital identity protection, automated regulatory compliance (AML/KYC), and proactive risk mitigation.

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Digital CX Platforms: Experience Architectarrow-up-down
Digital CX Platforms: Experience Architectarrow-up-down

Unified customer platforms enabling seamless omnichannel experiences, enhanced engagement, and optimized digital customer journeys.

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Open Banking & API Ecosystemsarrow-up-down
Open Banking & API Ecosystemsarrow-up-down

Enables secure API-based data sharing across BFSI, fostering fintech and insurtech integration, embedded insurance, BaaS models, and innovative customer offerings and revenue streams.

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Generative AI (GenAI)arrow-up-down
Generative AI (GenAI)arrow-up-down

Improves customer interactions and financial performance using AI advisors, personalized guidance, and unstructured data insights—driving BFSI hyper-personalization and automation capabilities.

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DevSecOpsarrow-up-down
DevSecOpsarrow-up-down

Accelerates secure, reliable tech delivery in BFSI using agile methodologies, automated testing, and continuous integration/deployment to enhance release speed and software resilience.

Success Stories

An Exclusive Data Mart Solution For Faster and Fair Claim Settlements
An Exclusive Data Mart Solution For Faster and Fair Claim Settlements
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Pushing The Boundaries Of Guidewire Driven Growth And Innovation
Pushing The Boundaries Of Guidewire Driven Growth And Innovation
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Policy And Billing Transformations: An Insurer Goes For More!
Policy And Billing Transformations: An Insurer Goes For More!
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Build Customer Connections And Promote Brand With Salesforce Marketing Cloud
Build Customer Connections And Promote Brand With Salesforce Marketing Cloud
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From Legacy Boundaries To Guidewire Possibilities, Guiding An Insurer All The Way
From Legacy Boundaries To Guidewire Possibilities, Guiding An Insurer All The Way
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The RPA-Driven Transformation That Saved Millions
The RPA-Driven Transformation That Saved Millions
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Uncovering Vulnerabilities Across A Financial Institutions’ Infrastructure
Uncovering Vulnerabilities Across A Financial Institutions’ Infrastructure
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Enhanced Customer Service Efficiency
Enhanced Customer Service Efficiency
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From Our Customers

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HTC has been a true transformation partner in our modernization journey. Their deep BFSI expertise, especially in cloud migration and intelligent automation, helped us reduce processing time by 40% while ensuring end-to-end compliance with evolving regulatory standards. The collaborative approach and domain understanding truly set them apart.

Chief Technology Officer, Leading Insurance Firm

Insights

Experience (CX & DX) Title: The Hyper-Personalization Revolution: Transforming UX for the Digital Age
Experience (CX & DX) Title: The Hyper-Personalization Revolution: Transforming UX for the Digital Age
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Legacy Modernization Title: Software Modernization Factory Framework: Powering Up Application Modernization For The Digital Age
Legacy Modernization Title: Software Modernization Factory Framework: Powering Up Application Modernization For The Digital Age
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Automating And Streamlining Export Processes: A Game-Changer For Faster eBRC With Assured Incentives
Automating And Streamlining Export Processes: A Game-Changer For Faster eBRC With Assured Incentives
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Achieving Peak Performance: How To Optimize Your Database Servers
Achieving Peak Performance: How To Optimize Your Database Servers
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Excellence in numbers

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30+
Years of BFSI Leadership
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60+
Premier BFSI Clients, including Fortune 100 Insurers
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3000+
Domain & Tech Specialists

Our partners

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