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Financial Services

The financial services ecosystem is witnessing unprecedented change driven by regulations, and quantum leaps in mobility, data analytics, and artificial intelligence. These changes are altering the competitive landscape, traditional product offerings, and the way that customers buy and use banking services.

Digital disruptions have forced banks& financial institutions to reevaluate their operating models. Their customers demand real-time interaction, service immediacy, and transparency. Several well-funded fintech unicornsare offering extraordinary customer experience & revolutionary product features, at a fraction of incremental costs, thereby generating non-linear bottomline gains. Erstwhile obscure technologies such as blockchain, hyper-agile payment platforms, cryptocurrencies,disintermediation etc. are increasingly becoming non-negotiable imperatives for banks, capital markets & insurance players.

The implementation of regulatory directives like PSD2 and the shift to API bankingis already leading to banks competing with pretty much anyone offering commercial credit, financial services and brokerage solutions.With the relentless march of disruptive innovation, banks and commercial lending organizations are re-engineering their entire technology stack and value chain, and obsolescence is not an option any longer.


Services we Offer

System Integration

System Integration

With Capstone, you get a fresh perspective and a unique capability.

Professional Services

Professional Services

Our competency, expertise and best practices are made available when you need them.

Managed Services

We transform client operations, making them smarter, faster and cheaper.

Powering the Financial Services Ecosystem

Blockchain marks a paradigm shift, that has heralded transformation similar to how internet transformed our lives for good. From various cryptocurrencies, to tracking and transferring money or inventory to post-financial settlements and smart insurance contracts, blockchain has disrupted the entire financial sector value chain leading to cascading effects in several other industries and applications.

With our extensive network of partners, our experience across geographies and our technology-agnostic approach, we can help clients accelerate time to market and sharpen their blockchain value proposition.

We help our clients harness the latest technologies for intuitive application creation,MachineLearning and statistical scoring and modelling for credit appraisal, and advanced analytical techniques for risk assessment, disbursal and receivables management.
With our leading edge financial domain expertise, we help some of the largest financial institutions in the world createsecure, credit worthy loan portfolios and segment thembased on various predefined, customizable parameters and real time credit appraisal (based on big data analytics)via rating agencies.
Our Digital Payment offerings include:
  • User Interface&User Experience design across devices
  • Digitization of payment credentials through integration with tokenization platforms—Bespoke/VTS/MDES/3rd party tokenization
  • Integration of payments across channels, including web, mobile and wearable
  • Development of value-added services such as loyalty, card virtualization and point payments.

We offer new digital innovative payment models that comply with regulations and are based on client centric use cases. We do this by transforming core legacy payment systems with modern payment services such as e-payments, card and merchant services, payment processing integration services as well as connected commerce, fraud detection and regulation.

  • Building new banking models across the full value chain from origination to back office, providing consumers with personalized products and services instantly for an evolving lifestyle
  • Reducing the cost to serve, creating new products and channels in hours not months

Banks, insurers & financial services institutions across the world trust our digital banking platform services to provide them with:

  • Excellent customer experience through product, data and partner ecosystem agility
  • A hyper-agile best-in-class banking solution for core products
  • The transformation of banking models from demand origination to back-office
  • Access to a full neo-Bank deployment anda mission-critical digital roadmap

Financial institutions around the world trust our Payment Platform services to provide them with:

  • The flexibility to generate new revenue streams and compete with agile start-ups
  • Ultra-modern digital payment models across the payments value chain in compliance with regulations, risk management and innovative customer centric use cases
  • Transform their core legacy payment systems , thereby improving performance, and better customer experience
  • Services that cover the full value chain – from e-payments and cards to connected commerce and fraud mitigation