The Banking of the Future:
Security, Personalization, and Profitability with Data
Custom data solutions for your business's unique challenges.
Reinventing Banking in the Digital Age
The banking sector is at a crossroads, facing pressure from competition from fintechs, growing customer expectations for seamless digital experiences, and an increasingly strict regulatory environment. The key to navigating this complexity and emerging as a leader is not just adopting technology, but mastering data.
Retail banking has achieved a ROE (Return on Equity) of 12% in 2023, its highest point since the financial crisis, driven by digitalization. However, margin compression of up to 10% is expected by 2026.. Aliware provides the advanced analytics capabilities banks need to protect their margins, strengthen security, and deliver the personalization customers demand.
Our Solutions for Banking
Risk Management and Regulatory Compliance
In an industry where trust is the most important asset, robust risk management and compliance are non-negotiable. Our solutions enable:
Real-Time Fraud Detection:
Use AI models to analyze transactions and detect fraud patterns in real time, minimizing losses and protecting your customers.
Compliance Automation (RegTech):
Simplify and automate regulatory reporting (AML, KYC) to ensure compliance and reduce operational burden.
Credit Risk Analysis:
Enrich your credit scoring models with alternative data sources and machine learning to make more accurate lending decisions and reduce delinquency.
Personalization and Customer Experience (CX)
Customer loyalty is earned through personalized and relevant experiences. With our 360° view of the customer, banks can:
Hyper-personalized offers:
Offer financial products and services based on each customer's behavior, needs, and life events.
Dynamic Pricing:
Implement dynamic pricing strategies for deposit and loan products, optimizing profitability and retention.
Seamless Omnichannel Experience:
Ensure a consistent and frictionless experience across all channels: mobile, web, branch, and contact center.
Operations Optimization with AI
Generative AI is revolutionizing productivity in banking. We help banks implement solutions that:
Enhancing Contact Centers:
Implement AI copilots to assist agents with real-time information and personalized scripts, improving first-call resolution.
They automate the back office:
Reduce costs and time in processes such as account reconciliation, request processing, and report generation.
Accelerating Technological Development:
Use AI to improve developer productivity in application creation and maintenance.
Real Impact:
Financial institutions using AI for risk management have seen a reduction of up to 50% in false positives in fraud alerts, improving efficiency and customer experience.
The Impact of Aliware in Numbers
Key ROI Metric
Potential Impact
Source
ROE in Digital Banking
12%
McKinsey
Reduction of False Positives (Fraud)
50%
Industry Analysis
Productivity Increase (AI GenAI)
15-30%
Aliware estimates
Improvement in Customer Retention
5-10%
Aliware Success Story
Aliware:
Your Partner in Financial Transformation
Safety and Trust:
Our cloud infrastructure solutions meet the highest security standards for the financial sector.
Regulatory Expertise:
Our team at USA, Costa Rica, Panama, and Ecuador understands the local and global regulatory environment.
Constant Innovation:
We are at the forefront of data technology, from data governance to generative AI, to keep our customers one step ahead.
Are you ready to build the bank of the future and ensure its profitability?
Request a consultation with our financial services experts and chart your path to transformation.