Accelerate

Banking


Driven by customer needs,

It’s time to take action

Change has always been the constant in banking. But today, there are more competitors than ever, and banks need the ability to adapt fast. They can’t afford to wait. Banks must offer the best client experiences – or risk disruption by those which do.

 

Platea is your accelerator, breaking you out of the legacy constraints and bringing new capabilities to market fast.

Smiling young businesswoman wearing red shirt using tablet

Platea Enables a Modern Approach

Accelerate-Innovation_Agility

Accelerate Innovation
With Platea’s connected ecosystem and stay ahead of the relentless pace of fintech innovation.

Accelerate-Response-Customer-Needs_Group

Accelerate Response to Customer Needs
By speeding up growth, reducing cost, and derisking the roll-out of new products and experiences.

Accelerate-Modernization

Accelerate Modernization
By enabling fast experimentation and leapfrogging legacy limitations.

Modular solutions to accelerate implementation

Accelerate your Digital Transformation Journey

Platea Banking is an accelerator that uses a digital banking framework for financial institutions to fast-track modernization. A scalable, composable banking solution designed for rapid market adaptation, minimizing risks while fostering innovation.

Platea equips your team with an accelerator, propelling you on your digital transformation journey towards new banking products and services.

Digital Onboarding

Experience seamless banking with a state-of-the-art API enabled digital onboarding framework. Platea accelerates modernization by enabling customizable journeys, leveraging pre-integrated eco-system partners.

Say goodbye to tedious paperwork and long queues. With just a few taps, you can securely set up your account, verify your identity (id scan and biometrics), generate contracts, and start banking instantly. Plus, with top-notch security measures, integrated SCA for authorization and signatures, your personal information is always protected.

Integrate effortlessly with your existing infrastructure, embrace the future of banking with our mobile onboarding framework, and elevate your customer experience.

Personal Loans

Unlock financial flexibility with our digital framework designed to fast-track your personal loan experience, operations and decisions.

Use a pre-integrated leading credit risk decisioning platform to access pre-approved loan offers tailored to your customer profile, complete with instant eligibility checks. Tailor the customer journey – swift loan disbursement and clear, upfront information on all associated fees. Generate the loan contract as a PDF, seamlessly store it for easy access all from your mobile device.

Platea provides the plumbing to accelerate digital lending propositions, with the flexibility to meet the need of your customers.

Accounts

Open an online bank account in few steps from anywhere without paperwork and queues. Send, receive and manage your money in one place at any time.

Platea’s partner ecosystem includes pre-integrated core banking solutions, which allow clients to open an account and start accessing banking services instantly and securely.

The framework offers providers the opportunity to launch geographically-aware operations that adhere to local regulations and requirements with complete flexibility.

Aggregate accounts through a consolidated single view of all customer bank accounts offering better user experience for customers and complete management of financial data.

Digital Payments

Step into the future of digital payments. Establish capabilities to integrate and launch digital payments using modern payment rails. Send money effortlessly with just a phone number. Our system simplifies the process by accessing your phone’s contact list, making transactions as easy as sending a text.

Navigate your transfer history and tailor personal financial management by recategorizing transactions, giving you the clarity to make informed decisions. Requesting payments is just as streamlined.

Embrace the efficiency of API–led instant payments, through a pre-configured, industry-leading payments platform that allows you to leverage the latest payments rails and risk management capabilities. Tailor payment processes for your specific needs and create digital payment experiences for your customers.

Customers

Building a customer centric approach is essential for success. This begins with a deep insight of customer needs and preferences, which can be achieved through 360 vision and data-driven analytics.

Through Platea’s APIs, retrieve information from each business process, such as digital on-boarding, where personal, socio-economic and product portfolio data can be obtained. Manage onboarding through different channels such as a customer service or a back office desk.

With Platea’s framework, create cloud solutions that use data to make data-driven decisions and accelerate use cases such as personalized experiences and tailor-made recommendations.

Cards

Elevate the banking experience with a customizable virtual debit card. Platea provides the tooling to create a virtual debit card instantly from your mobile device, and is backed by the issuing and processing capabilities of a leading payments services provider.

No waiting, no plastic, just immediate access to your funds with complete control at your fingertips. You can shop online, pay bills, or make contactless payments securely. The virtual card can be customized for spending limits, settlement data and can be locked to prevent transactions as required.

With Platea you can customize the cards offering for your specific needs and de-risk execution.

Digital Onboarding

Digital Onboarding

Experience seamless banking with a state-of-the-art API enabled digital onboarding framework. Platea accelerates modernization by enabling customizable journeys, leveraging pre-integrated eco-system partners.

Say goodbye to tedious paperwork and long queues. With just a few taps, you can securely set up your account, verify your identity (id scan and biometrics), generate contracts, and start banking instantly. Plus, with top-notch security measures, integrated SCA for authorization and signatures, your personal information is always protected.

Integrate effortlessly with your existing infrastructure, embrace the future of banking with our mobile onboarding framework, and elevate your customer experience.

Personal Loans

Personal Loans

Unlock financial flexibility with our digital framework designed to fast-track your personal loan experience, operations and decisions.

Use a pre-integrated leading credit risk decisioning platform to access pre-approved loan offers tailored to your customer profile, complete with instant eligibility checks. Tailor the customer journey – swift loan disbursement and clear, upfront information on all associated fees. Generate the loan contract as a PDF, seamlessly store it for easy access all from your mobile device.

Platea provides the plumbing to accelerate digital lending propositions, with the flexibility to meet the need of your customers.

Accounts

Accounts

Open an online bank account in few steps from anywhere without paperwork and queues. Send, receive and manage your money in one place at any time.

Platea’s partner ecosystem includes pre-integrated core banking solutions, which allow clients to open an account and start accessing banking services instantly and securely.

The framework offers providers the opportunity to launch geographically-aware operations that adhere to local regulations and requirements with complete flexibility.

Aggregate accounts through a consolidated single view of all customer bank accounts offering better user experience for customers and complete management of financial data.

Digital Payments

Digital Payments

Step into the future of digital payments. Establish capabilities to integrate and launch digital payments using modern payment rails. Send money effortlessly with just a phone number. Our system simplifies the process by accessing your phone’s contact list, making transactions as easy as sending a text.

Navigate your transfer history and tailor personal financial management by recategorizing transactions, giving you the clarity to make informed decisions. Requesting payments is just as streamlined.

Embrace the efficiency of API–led instant payments, through a pre-configured, industry-leading payments platform that allows you to leverage the latest payments rails and risk management capabilities. Tailor payment processes for your specific needs and create digital payment experiences for your customers.

Customers

Customers

Building a customer centric approach is essential for success. This begins with a deep insight of customer needs and preferences, which can be achieved through 360 vision and data-driven analytics.

Through Platea’s APIs, retrieve information from each business process, such as digital on-boarding, where personal, socio-economic and product portfolio data can be obtained. Manage onboarding through different channels such as a customer service or a back office desk.

With Platea’s framework, create cloud solutions that use data to make data-driven decisions and accelerate use cases such as personalized experiences and tailor-made recommendations.

Cards

Cards

Elevate the banking experience with a customizable virtual debit card. Platea provides the tooling to create a virtual debit card instantly from your mobile device, and is backed by the issuing and processing capabilities of a leading payments services provider.

No waiting, no plastic, just immediate access to your funds with complete control at your fingertips. You can shop online, pay bills, or make contactless payments securely. The virtual card can be customized for spending limits, settlement data and can be locked to prevent transactions as required.

With Platea you can customize the cards offering for your specific needs and de-risk execution.

Our Impact

190,000+

Employees

57

Countries where NTT DATA operates

150

Years of innovation

$3.6b

Invested in R&D yearly

Aim icon

Invent what’s next by understanding what your audience needs.

To launch a successful product, you have to know where to aim. By connecting product ideas to varied user needs and real business value, we ensure you’re building the right thing for the right people.

We blend ideas and market analysis with design thinking and research to help identify, strategize, research, validate, and plan a successful product launch.

Build-icon

Build and validate new product and services with your users

Focusing on an MVP allows you to win faster and reduce risk by getting your product into the hands of your audience as quickly as possible, soliciting authentic user feedback and iteratively improving the product. We will help you go from concept to working MVP and leverage Platea as a reference blueprint, including the pre-built functional modules and a pre-integrated partner ecosystem to accelerate outcomes.

With composable architecture at its core, you get to leverage your existing investments, use the latest in cloud technologies and IT frameworks to ensure that the product is scalable, secure, and interoperable. We also provide training and support for your teams, ensuring they are fully equipped to manage and promote the new offering effectively.

Our team of expert strategists, designers, and engineers research, create, and ship working products that not only deliver, they delight.

Grow icon

Increase trust and expand market share

To create products that people love, products must evolve to meet changing user and business needs.

We partner with you to ensure long-term success and provide ongoing support and maintenance, continuously monitoring performance and user feedback to identify opportunities for improvements as you scale your new product or service.

We offer insights into evolving market trends and customer behaviors, enabling you to continuously adapt and innovate your product or service offerings.

Through our strategic partnerships and advanced analytics, we can help you optimize operations and enhance customer experience, ensuring sustained growth and profitability for as long as you need.

Conceive
Aim icon

Invent what’s next by understanding what your audience needs.

To launch a successful product, you have to know where to aim. By connecting product ideas to varied user needs and real business value, we ensure you’re building the right thing for the right people.

We blend ideas and market analysis with design thinking and research to help identify, strategize, research, validate, and plan a successful product launch.

Build
Build-icon

Build and validate new product and services with your users

Focusing on an MVP allows you to win faster and reduce risk by getting your product into the hands of your audience as quickly as possible, soliciting authentic user feedback and iteratively improving the product. We will help you go from concept to working MVP and leverage Platea as a reference blueprint, including the pre-built functional modules and a pre-integrated partner ecosystem to accelerate outcomes.

With composable architecture at its core, you get to leverage your existing investments, use the latest in cloud technologies and IT frameworks to ensure that the product is scalable, secure, and interoperable. We also provide training and support for your teams, ensuring they are fully equipped to manage and promote the new offering effectively.

Our team of expert strategists, designers, and engineers research, create, and ship working products that not only deliver, they delight.

Grow
Grow icon

Increase trust and expand market share

To create products that people love, products must evolve to meet changing user and business needs.

We partner with you to ensure long-term success and provide ongoing support and maintenance, continuously monitoring performance and user feedback to identify opportunities for improvements as you scale your new product or service.

We offer insights into evolving market trends and customer behaviors, enabling you to continuously adapt and innovate your product or service offerings.

Through our strategic partnerships and advanced analytics, we can help you optimize operations and enhance customer experience, ensuring sustained growth and profitability for as long as you need.

Composable Banking with Platea

Composable Approach

Composability: The Future of Banking

Composable architecture represents a modular approach to building banking systems, where components can be easily added, removed, or replaced without disrupting the entire system.

By building with blocks, each piece serves a specific function and can be combined to create complex structures.

In the context of banking, composable architecture allows financial institutions to tailor their services, respond to new market demands quickly, and leverage cutting-edge technologies without the need for extensive overhaul or downtime.

Why NTT DATA?

From strategic consulting to leading-edge technologies, for over 50 years we’ve been enabling experiences that transform organizations for success, disrupt industries for good and shape a better society for all.

We enable our clients, as well as society, to move confidently into the digital future.

We’re committed to building their long-term success, combining our global reach with local expertise and capabilities to serve our clients in over 50 countries.

whynttdata

Case Studies

Resources

Composable Banking

Composable Banking About Composable Banking Composable banking is a modern approach to banking technology that leverages modular, flexible components to create adaptable financial services. It allows banks and financial institutions to assemble, reassemble, and scale banking operations and customer offerings with unprecedented agility. Imagine it as building with blocks, where each block represents a specific…

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Case Study – Banking

Case Study Tier 1 European Bank Facing the challenge of meeting digital-savvy customers’ demands in a competitive banking landscape, a Tier 1 European Bank collaborated with NTT DATA. Together, they developed a solution integrating payment initiation services into the bank’s infrastructure, transforming digital banking through web and mobile channels. Addressing the Challenge of Increasingly Digital…

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Case Study – Global Insurance

Case Study Global Insurer In response to PSD2 enabling bank customers in Europe to share account data with licensed third parties, an insurance company faced the challenge of integrating this capability into its onboarding process to enhance offerings. Partnering with NTT DATA, it leveraged Platea for a low code, cost-effective solution, facilitating quick, easy integration…

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Contact the Team