RiVirtual Technologies

Banking

Core modernisation and credit decisioning at national scale

Core modernisation and credit decisioning at scale.

Banks are competing on decision latency. We modernise the core, industrialise credit decisioning and deploy real-time fraud intelligence with the resilience and control that Tier 1 institutions require.

63%

Fraud loss reduction

8x

Faster detection

31%

Higher approval rate

Banking transformation programmes delivered by RiVirtual Technologies

What we see

The forces reshaping banking

Legacy core constraints

Batch-era architecture blocks real-time products, embedded finance and 24/7 service.

Credit decisioning drag

Manual underwriting and stale scorecards suppress approval rates and inflate losses.

Fraud sophistication

Synthetic identity and authorised push payment fraud outpace rules-based defences.

What we do

Our Banking offerings

Progressive core modernisation

Strangler-pattern migration to cloud-native cores with zero-downtime cutover playbooks.

AI credit decisioning

Alternative-data scorecards, challenger models and straight-through approval workflows.

Real-time fraud orchestration

Streaming feature stores and model ensembles scoring transactions in milliseconds.

Digital channel engineering

Onboarding, servicing and advisory journeys built on secure enterprise APIs.

Core BankingCredit RiskFraud DetectionOpen Banking APIsCloud MigrationCybersecurity

Proof of delivery

Real-time fraud model orchestration for a Tier 1 bank

Streaming decisioning reduced fraud losses by 63% while cutting analyst review volume by more than half.

  • 63% fraud loss reduction
  • 8x faster detection
  • 31% higher approval rate
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A 45-minute executive session with our AI leadership, mapping value, risk and delivery sequence for your institution.