Scaling in finance isn’t just about growth, it’s about adaptability. At FT, we help banks and fintechs go beyond the hype and deliver real results, leveraging modular technology, practical expertise, and a relentless focus on what matters for your customers and your teams.
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Today’s financial institutions are under more pressure than ever. Customers expect seamless digital experiences, real-time onboarding, and personalised services. New entrants are moving fast, and regulatory demands keep evolving. The real differentiator? Scalability the ability to launch, adapt, and expand your product suite with confidence, not complexity.
But getting there isn’t simple. Siloed systems, inflexible cores, and manual processes can turn even the best ideas into slow, costly projects. That’s where FT steps in.
Innovation in banking isn’t a one-time project. From digital onboarding to real-time lending, new expectations emerge with every technology wave. Traditional project timelines are shrinking, while customer patience is at an all-time low.
In a world of open banking, embedded finance, and rising cyber risks, compliance can’t be an afterthought. FT builds audibility, and regulatory readiness into every layer so you’re always prepared, without slowing down innovation.
Legacy systems, fragmented workflows, and siloed data can stifle innovation. Yet, the demand for personalised experiences and product agility has never been higher. The answer isn’t to bolt on more tech, but to build a foundation for growth modular, composable, and cloud-ready.
Our Principles :
Our experts don’t just deliver technology. We walk alongside your team from strategy, to implementation, to continuous improvement.
Mini-Story:
When a regional bank needed to launch a student savings app in under 45 days, Catalyst X enabled them to configure onboarding, KYC, savings goals, and rewards in just weeks. The result? 2x higher new account signups in the launch quarter.
Visual: Workflow diagram: customer onboarding flow, automated document checks, instant approvals.
Quote from an FT Customer: “VisionCraft turned our customer data into a competitive advantage. We can now launch targeted campaigns in days, not months.”
Mini-Story: A cross-border fintech used InnovateEdge to roll out products in two new regions automating onboarding and KYC checks, and meeting all local reporting mandates with no additional headcount.
Challenge:
Retail banking moves quickly. New savings accounts, rewards programs, and credit products need to reach customers before the competition does. Legacy systems and siloed processes often hold banks back.
How FT Helps:
With Catalyst X, banks are no longer constrained by slow IT queues or rigid platforms. Our modular foundation lets teams build, launch, and refine products at market speed. With VisionCraft, every customer interaction becomes an opportunity for personalisation real-time data delivers actionable insights, driving hyper-relevant offers and smarter engagement.
Real Impact:
Accelerated time-to-market: Banks have launched digital savings accounts and tailored rewards programs in under six weeks without disrupting existing systems. Seamless experiences: From first touch to ongoing engagement, customers enjoy frictionless onboarding, intuitive mobile journeys, and personalised notifications that boost retention. Continuous evolution: Real-time analytics empower marketing and product teams to test, tweak, and improve offerings without code-heavy sprints.
Challenge:
Small businesses expect rapid, digital-first service. But onboarding, document checks, and compliance can turn into bottlenecks, slowing growth and frustrating clients.
How FT Helps:
RunSync streamlines onboarding with digital document capture, eKYC, and instant credit scoring freeing teams from paperwork and manual reviews. Catalyst X allows banks to roll out new SME products, such as flexible credit lines or invoice finance, tailored to evolving client needs. InnovateEdge automates compliance workflows, ensuring regulatory checks are integrated and always audit-ready.
Real Impact:
Faster client onboarding: SMEs can open accounts and access funding in hours, not days. Tailored products at scale: Banks rapidly test and launch specialised lending solutions for diverse SME segments from retail to manufacturers. Risk and compliance simplified: Automated workflows minimise errors, ensure transparency, and build trust with both clients and regulators.
Challenge:
Digital lenders face high application volumes and changing risk profiles, all while needing to deliver a fast, secure experience for borrowers.
How FT Helps:
Catalyst X supports AI-powered credit decisioning, enabling instant risk assessments and personalised offers. RunSync automates the end-to-end loan journey from application and verification to digital contract signing and disbursal. VisionCraft continuously monitors risk trends and loan performance, helping lenders refine criteria and grow responsibly.
Real Impact:
Handle more with less: Lenders scale up to process thousands of applications per day, reducing manual reviews and approval times.Frictionless borrower experience: End-users complete applications in minutes, with real-time updates and digital payouts.Dynamic risk management: Ongoing data analysis flags potential issues early, helping teams pivot strategies in real time.
Challenge:
In the fast-moving fintech world, innovation can’t wait. Every new feature, partner integration, or regulatory update needs to happen without roadblocks.
How FT Helps:
Catalyst X’s API-first platform means you can launch new features, integrate with payment partners, or add third-party fintechs without re-engineering your stack. Open modules enable rapid rollout of everything from wallets to embedded insurance and BNPL. InnovateEdge ensures that compliance keeps up with your innovation, automating global reporting and local regulatory needs.
Real Impact:
Fast-track partnerships: Launch new joint offerings in days, not quarters.Build the super-app: Aggregate services wallets, payments, lending, and rewards on a unified, scalable foundation. Compliance at every step: Automated checks and reporting keep you audit-ready, wherever you grow.
Challenge:
Upgrading a bank’s core can feel like open-heart surgery—high risk, high stakes, and business continuity on the line.
How FT Helps:
Catalyst X acts as a flexible bridge, allowing banks to migrate modules (like deposits, lending, payments) incrementally and safely. RunSync ensures every data move is secure, validated, and documented. VisionCraft offers real-time visibility—track each migration phase, monitor KPIs, and catch issues before they escalate.
Real Impact:
Modernise at your pace: Migrate core components without risky “big bang” switchovers.Zero business downtime: Operations continue seamlessly, so customers and teams experience no disruption.Unlock new capabilities: Go from legacy to cloud-native, modular, and future-ready empowering rapid product innovation.
Challenge:
Serving corporate clients means handling large, complex transactions and bespoke product configurations all under strict compliance requirements.
How FT Helps:
RunSync orchestrates complex approval chains, automating regulatory checks for high-value deals. Catalyst X enables banks to configure customised product bundles treasury, FX, lending, and more—for each corporate client without code-heavy builds. InnovateEdge delivers instant, audit-ready compliance and reporting.
Real Impact:
Win business with speed: Corporate clients get tailored proposals and fast approvals giving you an edge.Operate with clarity: Automated compliance and workflow tracking means fewer errors and full audit trails.Scale complexity, simply: Add new features, geographies, or partners as your client base grows no rework required.
Every FT solution is designed with your growth in mind. Whether you’re launching a new product, modernising your core, or expanding globally, our team is here to help you scale with confidence.
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