Digital Finance

Innovation in 


Customers nowadays don’t talk about whether a bank is digital enough or not. Their concern is whether a bank is digital for a reason, or just for the sake of it. Banking will emphasize digital presence with a purpose: to expand digital capabilities to serve consumers better and more securely. Regulations might have impeded things for a while relative to other sectors, but banking has finally joined the online and offline fusion. At Stefanini we help the financial industry run complex operations virtually. Through technology we also provide means for providers to offer cleaner and more effective customer service, free from the shackles of legacy technology.


  • Open Banking
  • Phygital Banking
  • Banking as a Service

The innovative area of the Digital Finance offering is centered around two main areas:

  • empowering the established Financial institutions defend the attacks of Fintechs
  • enabling non-finacial institutions provide financial services to their customers

For making this happen, we combine our extensive set of solutions and experience in this area with a strong user understanding and customer centricity and a reliance of data and latest digital technologies; so that we can create frictionless end to end user journeys implemented in turn key engagements

Open Banking

To stay relevant, banks must acquire the skills to create Open APIs and participate in Open Banking ecosystems. To stay profitable, banks and TPPs will need to find new ways of working, rapidly prototyping offerings and testing them with their customers. They will likely partner with fintechs or digital transformation leading companies in order to better serve the market.

Phygital Banking

Phygital banking is a mix of physical and digital entities that at all critical interaction points is necessary to ensure a positive customer journey. ‘Phygital’ is about being inherently digital across all channels (physical and digital), operations and the very way banks are organized and manage their business. Banks that can craft a blend that effectively touches customer experience, operations, and delivery are most likely to thrive in a fast-changing world.

Banking as a


Banking as a Service (BaaS) represents the way banks are sharing their technology platforms with Fintechs and other third parties. It goes hand in hand with Open Banking. By grouping a variety of mobile-first financial solutions into a single platform, consumers will have access to a suite of services like budgeting, loans and stock-trading. Banks will no longer be single, E2E providers. Effective implementation depends on a data-driven and enterprise-wide strategy to ensure high returns on investment.

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