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Digital transformation for financial services

Digital transformation for banks, insurers and regulated enterprises.

Core migrations, regulatory reporting, risk decisioning and customer 360 — delivered under audit, without stopping the business. Hoonartek has run these programmes at NSE, IDFC, L&T Finance and Experian.

Request your blueprint

A two-week structured assessment. Higher perceived value than a call, matched to a higher-consideration buyer.

Trusted by 200+ enterprises since 2010. Delivery teams in the US, UK, India and Malaysia.

nse
IDFC First Bank 1
l t finance
airtel

Transformation is harder when you cannot stop the machine

Demonstrating that we know what constrains you is worth more here than any claim about what we can do.

Availability

The core cannot
go down

Migration has to happen in parallel run, reconciled to the cent, with a rollback path the risk committee will sign.

Traceability

Every decision must be reconstructable

Not “we have dashboards” — a lineage trace from a credit decision back to the source record, on demand, months later.

Model risk

The model risk conversation now includes AI

Governance designed for scorecards does not extend to a language model, and the regulator has noticed.

Residency

Data cannot leave the perimeter

Residency, PII handling and clean-room collaboration are architectural constraints, not compliance paperwork.

Where we start

Pick the one that describes this quarter. Each is a first workstream we have shipped before.

Core & platform modernisation

Legacy migration to a governed lakehouse, with parallel run and reconciliation.

Measure: reconciliation variance

Regulatory & risk reporting

Automated, lineage-traced reporting pipelines.

Measure: reconciliation variance

Lending & credit decisioning

Business rules engines: faster approvals, fewer errors, tighter risk management.

Measure: decision latency

Customer 360

A unified customer view across products and channels.

Measure: resolution accuracy

Fraud, payments & revenue assurance

Real-time and batch decisioning on Ab Initio and modern stacks.

Measure: leakage recovered

Data monetisation & clean rooms

Snowflake-powered collaboration with group companies and partners, PII-compliant.

Measure: partners onboarded

Governed by design, not evidenced afterwards

ClearView™ unifies data, AI and governance into a single decision layer. Every automated decision carries its lineage, its inputs and its approval chain. When the regulator asks how a decision was made, the answer is retrieved, not reconstructed.

Decision

Credit application declined

REF 8841-XQ
14 Mar 2024, 09:41
Retrieved 22 months later

Rule & model

Risk band C · rules v4.2

Approved by: Credit Risk Cttee
Approval chain: 3 signatories
Model card: attached

Inputs

7 features, 4 systems

Bureau score · exposure
Transaction history · KYC
Each with its own trace

Source record

Core banking, table & row

As it stood at decision time
Not as it stands today
Immutable

Ask us to trace a decision you pick, on a reference environment, inside the evaluation window. Not a slide — the system.

Traceability

From a production decision back to the source record, on demand.

Explainability

For AI-driven decisions in live operation, not in a report written afterwards.

Accountability

A named owner and an audit trail for every automated action.

How a leading bank accelerated insights by 98% through Enterprise Lakehouse Transformation

Context

The bank’s legacy data warehouse needed to keep pace with its expanding operations. Timely insights and the ability to scale AI initiatives were hampered by fragmented data, limited observability and slow refresh cycles.

What changed

98% faster data insights, from 30 hours to < 45 minutes

Constraint

Data was fragmented across 120+ systems causing slow, stale insights. At the same time, 1.5 petabytes of high-risk PII data lacking proper governance.

What it took

15 months to complete enterprise-wide migration, which was originally scoped at 2.5 years.

What we built

A new Enterprise Data Platform using a modern Lakehouse design, connecting 120+ data systems across business functions to ensure data completeness and accuracy, while standardizing data layers with medallion architecture (Bronze – Silver – Gold) aligned to raw, cleansed and business-ready datasets.

1200

Dashboards and Reports

7%

uplift in cross sell and upsell

50%

faster data-driven credit assessments

Your 90-day BFSI modernisation blueprint

A two-week structured assessment. You keep it whether or not you work with us.

The offer

Your 90-day BFSI modernisation blueprint

A two-week structured assessment. You keep it whether or not you work with us.

Why this offer and not a call

The BFSI buyer is higher-consideration and slower. A blueprint is a bigger ask than a 30-minute call and it will convert a smaller share of visitors — but at ~14 matched clicks a month, lead quality is the only variable that matters. Every lead on this page should be read by hand.

Bring us the constraint, not the wish list

Our BFSI practice lead will respond within one business day. If the fit is wrong, we will say so.
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