Banking and Financial Services

Accelerate onboarding with Ciklum’s tailored solutions, integrating Banking-as-a-Service (BaaS) platforms and digital KYC/AML workflows. These tools reduce onboarding times, enhance customer satisfaction, and support compliance with PSD2 and GDPR. By automating identity verification and personalizing onboarding, banks can scale customer acquisition while delivering seamless digital banking experiences.

Protect your institution with Ciklum’s AI-driven fraud detection and compliance solutions, powered by machine learning models. We provide advanced KYC, AI-driven anti-fraud systems, and transaction monitoring tools to streamline compliance and secure financial operations. By integrating solutions like Veriff and leveraging AI, Big Data, and analytics, we enhance fraud detection, optimize data reporting, and ensure efficient compliance with local regulations. 

Transform your legacy banking systems with our cloud migration solutions. By enhancing operational efficiency and security, we empower financial institutions to scale with agility and resilience. Through our cloud adoption strategies such as replatforming, containerization and serverless architectures, we ensure you’re prepared to meet the demands of tomorrow’s banking environment.

Achieve operational excellence with Ciklum’s automation-driven solutions, leveraging low-code platforms and RPA tools.

Streamline back-office workflows, cut processing times by 50%, and reduce costs across payment processing and loan approvals. By integrating intelligent automation, financial leaders can enhance scalability and shift focus to strategic innovation.

Transform engagement with AI-powered personalization tools. Unify data to create hyper-personalized, omnichannel journeys that increase retention and drive lifetime value. Predictive analytics and next-best-action capabilities ensure every interaction meets customer expectations across mobile, web, and in-branch channels.

Embrace the future of finance by exposing secure, standardized APIs that let third-party FinTechs and platforms build on your core banking services.

We ensure seamless connectivity and unwavering compliance with PSD2 and global data regulations. By enabling trusted partners to embed your offerings directly into everyday apps and services, you open up new revenue streams, enhance customer loyalty, and accelerate digital innovation across your entire financial ecosystem.

Embrace a new era of frictionless finance by offering customers and merchants an integrated solution that spans non-traditional payment rails, secure digital wallets, and flexible Buy Now, Pay Later (BNPL) financing.

We unify microservices-based architectures, tokenization, and real-time risk scoring to ensure seamless interoperability with your core banking infrastructure. Open up new revenue streams, improve customer loyalty, and drive digital innovation across every touchpoint in your financial services portfolio.

Streamline your payment infrastructure with Ciklum’s advanced payment orchestration solutions, which dynamically route transactions across multiple providers to optimize costs, improve reliability, and enhance transaction speed. By integrating Open Banking APIs, businesses can enable account-to-account transfers and unify payment operations across multiple channels, delivering a seamless experience. Our custom gateway development capabilities ensure secure, scalable solutions tailored to evolving business models.

Accelerate your partner acquisition and scale operations efficiently with Ciklum’s automated merchant onboarding solutions. By replacing manual, error-prone processes with streamlined workflows, businesses can reduce activation times while ensuring compliance with regulatory frameworks like KYC (Know Your Customer) and AML (Anti-Money Laundering). This automation enables faster go-to-market capabilities, improves operational accuracy, and supports your growth in a competitive and dynamic market landscape.

Expand your global footprint with Ciklum’s innovative cross-border payment solutions that leverage blockchain technology to reduce costs, eliminate intermediaries, and shorten settlement times. These systems address regulatory complexities and foreign exchange challenges, enabling businesses to offer transparent, low-cost transactions that enhance the customer experience. Simplify international payments, unlock new markets, and position your business as a leader in the global payments space.

Revolutionize your payment operations with closed-loop payment solutions, designed to lower transaction fees, accelerate settlements, and strengthen customer loyalty. By integrating Open Banking-enabled capabilities, such as account aggregation and customer insights, these ecosystems can deliver more personalized and efficient payment experiences.

Tap into new revenue streams and enhance customer engagement with Ciklum’s embedded finance solutions, which integrate tailored financial products directly into your existing platforms. Whether it’s providing on-demand lending, embedded insurance, or integrated payment options, these solutions enable you to meet customers’ evolving expectations while enhancing the overall user experience. 

Stay ahead of shifting regulatory landscapes with Ciklum’s compliance automation solutions, which simplify complex processes such as reporting, auditing, and monitoring. Designed to adhere to global standards like PSD2, AMLD, and FATF, these tools reduce manual effort, mitigate compliance risks, and ensure real-time regulatory adherence. By automating these critical processes, businesses can focus on innovation and growth while maintaining a strong foundation of regulatory excellence and operational integrity.

Capitalize on our extensive experience with diverse global regulatory frameworks to secure compliance with local regulations and certifications, from IT compliance to legal approvals. We help you overcome regulatory hurdles, streamline processes, and establish a robust compliance foundation.

Anticipate and address delinquencies proactively. Our AI-powered servicing dashboards collect and analyze data insights, identifying potential late payments early. This proactive approach allows you to address delinquencies before they escalate, reducing risk and improving borrower relations.

Modernize your tech stack with BaaS, adopting agile, efficient models that improve customer experiences and streamline lending operations, positioning your institution for long-term growth. We help you improve operational flexibility, and compete with neobanks. Our expertise includes building custom BaaS stacks for seamless payments, lending, and decision-making.

Reduce turnaround time in mortgage processing, streamline and expedite traditionally manual processes within mortgage applications and underwriting. By leveraging advanced intelligent  automation, we enhance efficiency, reduce manual errors, and deliver a smoother, faster mortgage experience for customers.

Accelerate mortgage operations through low-code solutions through platforms like Appian and Kore.AI, automating complex workflows, improving response times, and enhancing efficiency. These solutions can help you rapidly transform workflows without extensive custom development.

Prevent fraudulent attempts by meeting KYC/KYB requirements. Ciklum enhances fraud prevention by integrating advanced KYC/SaaS solutions like SubSub, Veriff, and Fourthline, which streamline identity verification and compliance checks. Our solutions help analysts work more efficiently, protecting both lenders and borrowers from fraud risks. Leveraging ethical AI frameworks, we ensure you innovate securely while maintaining trust and meeting global regulatory standards.

Ciklum unifies fragmented processes, combining streamlined onboarding with intuitive self-service portals to meet modern borrower expectations. Our solutions enhance transparency, empower customers to manage loans independently, and reduce operational overhead—positioning your institution as a tech-forward leader in lending.