Digital Banking Solutions
With AI-Native,
Measured by Outcomes

Savvycom designs, builds and operates digital banking, lending, eKYC and AI platforms for banks, microfinance institutions and digital lenders across Asia, connected to your core without a big-bang replacement. Every engagement is tied to a measurable result, from 61.5% mobile banking adoption to SME loans approved in 2 to 3 days instead of 10 to 15.

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Relationship manager in a modern bank branch holding a tablet with a mobile banking dashboard

Trusted By Leading Financial Institutions

Trusted By Leading Financial Institutions

Real Banking Deployments. Measurable Outcomes.

These numbers come from digital banking, lending, loyalty and AI platforms Savvycom has delivered for commercial banks, microfinance institutions and digital lenders in Vietnam, Cambodia, Indonesia, the Philippines and South Korea. Each one is a reference point for your own business case, not a promise.

80%

SME loan approval time
From 10 to 15 days to 2 to 3 days with a centralized LOS

65%

Inquiries resolved by AI chatbot
Inside the mobile banking app of a top-5 Vietnamese bank

30%

Daily active users
Real-time loyalty engine for a Vietnamese retail bank

2.5x

SME loan processing capacity
Same credit team, one lending workflow across branches

Where Banking Transformation Slows Down

Mobile banking, internet banking and digital onboarding are now the baseline. What sits behind those channels decides how fast a bank can launch a product, change a process or trust a decision.

  • Channels Without a Platform
  • Tight Coupling to the Core
  • Onboarding That Loses Customers
  • Risk Managed After the Fact
  • Siloed Systems, Siloed Data
  • Projects That End at Go-Live
Channels Without a Platform
Each new app or portal is built as its own project, with its own integrations. Nothing is reusable, so every launch starts from zero and every change touches several systems.
“We have four customer apps and four ways to open an account. None of them share a line of code.”
Banking capability maturity

Start Where Your Institution Actually Stands

Banks mature from fragmented systems to intelligent, adaptive platforms in recognizable steps. Savvycom scopes every program against five maturity levels, so a Level 2 bank gets integration work first and a Level 4 bank gets AI that its data can support.

LEVEL 1

Fragmented

Systems are siloed, manual and difficult to integrate.

Savvycom supportAssess, stabilize, integrate and digitize priority journeys.
LEVEL 2

Digitized

Digital channels exist but are not fully connected to core systems.

Savvycom supportBuild digital platforms, APIs, workflows and integration layers.
LEVEL 3

Connected

Systems are integrated and data flows across platforms.

Savvycom supportModernize architecture, optimize APIs, improve data and automation.
LEVEL 4

Intelligent

AI, analytics and automation support business decisions.

Savvycom supportImplement AI and machine learning, GenAI, fraud AI, risk AI and customer intelligence.
LEVEL 5

Adaptive

Platforms are cloud-native, event-driven, AI-enabled and continuously improving.

Savvycom supportOperate, scale, optimize and evolve through managed services and innovation pods.

Our Four Core Delivery Areas For Banking

From software engineering to enterprise AI, one partner across the lifecycle: advise, build, integrate, modernize, AI-enable and operate. Each area below carries a result from a banking deployment, not a capability claim.

Digital Banking
Platform Development

61.5% user
adoption

Design, build and integrate the systems that digitize the bank end to end: retail and corporate digital banking, onboarding, servicing and engagement, on one API-connected backend.

Solves: Four apps built four ways. One platform serves household businesses, SMEs and large corporates from a shared backend, with onboarding in minutes and multi-level approval where corporates need it.
Digital Banking Platform Development
What we deliver
Retail & corporate digital banking Digital onboarding & eKYC Loyalty & engagement Sales & RM apps

System Modernization
& Integration

300K+ records migrated
at cut-over

Upgrade legacy systems and connect the bank's wider ecosystem: core, payments, cards, lending, risk, CRM and partners, through API enablement and modernization around the core.

Solves: Point-to-point links that break with every change. An integration layer with API gateway, service bus and events lets the core keep running while new channels and partners go live, and legacy data moves across with validation and rollback at every cut-over.
System Modernization & Integration
What we deliver
API enablement around the core Legacy & core insurance modernization Event-driven integration Data migration & cut-over

Agentic Banking &
AI System Development

~65% inquiries
resolved by AI

Intelligent banking solutions that learn, automate and deliver insight: conversational AI, document AI, credit and fraud intelligence, and governed AI agents that work inside approved workflows.

Solves: AI pilots that never reach production. Agents prepare and recommend through approved APIs; financial postings, credit approvals and other regulated decisions stay with the bank's systems and authorized people.
Agentic Banking & AI System Development
What we deliver
AI conversational platform Document & credit AI Fraud & compliance AI Agentic orchestration platform

Managed Services &
Platform Operations

24/7 monitoring
& standby

Reliable, ongoing support that keeps banking systems running: monitoring, SLA-based support, security operations, hypercare after go-live and continuous enhancement under certified processes.

Solves: Every new platform adds operational load. Managed operations absorb monitoring, patching, incident response and change requests under defined SLAs, so the bank's team grows with the business instead of with the systems.
Managed Services & Platform Operations
What we deliver
24/7 monitoring SLA support & hypercare Security operations Continuous enhancement
Banking & finance solutions

Proven Banking Platforms, Customized to Your Bank

Platforms already running in production for banks and digital lenders, each customized to the institution's products, core and regulations. Every one below comes with a client result.

Featured platform

Corporate Digital Banking and Lending Platform (LOS/LMS)

One backend serves household businesses, SMEs and corporates, from onboarding to approval to lending. The lending platform runs the full loan lifecycle on a BPM workflow, integrated with CIC and the core.

< 5 minHousehold business onboarding
< 15 minEnterprise onboarding, 100% in-app
2-3 daysSME loan approval, from 10-15
2.5xSME loan capacity, same team
In production at commercial banks in Vietnam and an Islamic bank in Indonesia
Business owner completing digital onboarding with a selfie and ID card

Retail Digital Banking

Mobile and internet banking with eKYC onboarding, transfers, deposits and card services, synced in real time with the core.

61.5%user adoption, 4.4/5 from 4,000+ reviewsLeading Cambodian bank, 192 branchesRead the case →

eKYC & Digital Onboarding

ID OCR, liveness detection and face match in one flow, with only flagged cases routed to staff.

60%+less manual verification, 0 added headcountDigital lender, the PhilippinesRead the case →

AI Conversational Platform

An in-app assistant that answers with citations, looks up account data through approved APIs and hands sensitive cases to people.

~65%inquiries resolved by AI, ~300K monthly usersTop-5 Vietnamese bankName withheld under NDA

Loyalty Platform

Points, daily missions and partner offers on a real-time engine that rewards the behavior the bank wants to grow.

+30%daily active users, +25% card spendingVietnamese retail bankCase study available on request
More platforms we customize for banks
Customer Relationship ManagementA 360-degree customer view for relationship managers
Customer Data PlatformUnified, real-time customer profiles across channels
Banking Knowledge ManagementAI search across policies, products and procedures
Sales AppA mobile workbench for field sales and RMs
Data Trust PlatformGovernance, consent and privacy controls ready for AI
Wealth Management Platform ↗Goal-based planning and automated risk profiling

How We Solve Banking Problems With AI

AI is not a standalone layer. Savvycom embeds it across the bank in four value areas where the impact can be measured: customer growth, risk and credit, operational efficiency and workforce productivity.

Customer Growth

Campaigns reach everyone and convince few, because the bank sees transactions, not customers. Relationship managers work from last month's list.

Relationship manager advising a client with an AI assistant
How AI helps
  • Builds real-time 360 profiles from the customer data platform
  • Recommends the next best action per customer and channel
  • Predicts propensity, churn and lifetime value
  • Tunes loyalty missions and offers to actual behavior

Risk & Credit

SME credit takes weeks of manual appraisal, while fraud patterns change faster than the rules written to catch them.

Analyst pointing at a flagged transaction on a monitoring screen
How AI helps
  • Scores credit with income, expense and affordability analysis
  • Underwriting assistant drafts credit memos and flags gaps
  • Detects transaction and AML anomalies in real time
  • Raises early warnings before delinquency

Operational Efficiency

Forms, statements and collateral documents are rekeyed by hand, and every exception becomes an email chain between branch and head office.

Loan officer scanning bank statements with automated field extraction
How AI helps
  • Reads and validates documents with OCR and extraction
  • Generates credit documents and contracts automatically
  • Process copilots route only exceptions to staff
  • Automates reconciliation and back-office tasks

Workforce Productivity

Answers live with experienced staff. New hires take months to ramp up, and the bank's own IT team ships slower than the market moves.

Bank technology team working at a whiteboard
How AI helps
  • Knowledge assistant answers from policies with citations
  • Copilots prepare RM briefs and service responses
  • Analyzes employee feedback at scale
  • AI-native SDLC targets 50% shorter delivery cycles
Agentic banking

AI Agents, Adopted in Stages and Kept Inside Banking Controls

Agentic banking is the next stage after digital channels and AI assistants: coordinated, policy-controlled AI agents that help customers and employees complete multi-step tasks. It is an enterprise capability, not a replacement for core banking, payment systems, human decision authority or risk controls.

STAGE 1

AI-Assisted Banking

Knowledge assistants, customer service copilots and employee productivity tools. Read-only, low-risk use cases.

Readiness gateApproved knowledge, security baseline, human ownership
STAGE 2

Workflow-Integrated Agents

Agents integrated with CRM, loan origination, service tickets and internal workflows, with approvals and controlled API access.

Readiness gateGoverned APIs, approval workflows and audit trails
STAGE 3

Multi-Agent Operations

Specialized agents coordinate lending, operations, investigation and customer service tasks across multiple systems.

Readiness gateReliable orchestration, monitoring and measurable process outcomes
STAGE 4

Governed Agentic Banking

Policy-constrained agents execute selected low-risk workflows autonomously, with monitoring, escalation and enterprise-wide governance.

Readiness gateMature controls, evaluation, incident response and continuous assurance
Banking domainAI agentInitial role and boundary
Retail and serviceCustomer Service AgentAnswers and triages requests; hands off sensitive cases.
Digital channelsDigital Banking AssistantGuides customers through journeys; no unapproved transaction execution.
LendingLoan Application AgentCollects and checks documentation; drafts loan origination records.
LendingUnderwriting CopilotSummarizes evidence and prepares credit memos; no independent credit approval.
PaymentsPayment Investigation AgentTraces failed or disputed payments; recommends resolution.
Risk and complianceAML / Fraud Investigation AgentAssembles evidence and prioritizes cases; analysts retain decision authority.
Customer engagementCampaign & Loyalty AgentDrafts segments and offers; enforces consent and campaign approval.
IT operationsIT Operations AgentTriages incidents; runs approved, low-risk remediation only.

Example journey: agent-assisted lending

  1. Customer or loan officerSubmits the loan application.
  2. Application AgentCoordinates document completeness, KYC checks and credit information gathering.
  3. Credit Analysis AgentDrafts a case summary and highlights missing evidence.
  4. Decision engine and underwritersFormal credit rules are applied; authorized underwriters review the case.
  5. Approved workflowsUpdate loan origination and management systems and, where appropriate, core banking.
  6. Audit trailAll agent actions and human approvals are recorded for audit.
Agents prepare and recommend. Financial postings, credit approvals and other regulated decisions remain with the bank's deterministic systems, policies and authorized personnel. A banking agent never bypasses banking authorization or writes directly to core databases.

Ready-Built AI For Banking

Four solutions already running for financial institutions, deployed on bank-approved infrastructure with the application backend and the language-model layer kept separate.

AI Conversational Platform

AI Conversational Platform

One conversational layer that guides, answers with citations, looks up live account data through approved APIs and acts with OTP confirmation and audit trails. ~65% of inquiries resolved without a human agent.

eKYC

eKYC

ID OCR, liveness detection, face match and NFC chip checks in a 60-second flow, with only flagged cases routed to staff. Integrates with lending and wallet registration. Reduce 95% manual verification time.
Document AI

Document AI

OCR and data extraction, intelligent document processing, contract analysis and invoice automation for statements, forms, collateral files and claims, with human review on low-confidence fields. Reduce 60% processing time

Banking Knowledge Management

Banking Knowledge Management

Permission-aware search across policies, products and procedures that gives staff accurate answers with sources, in the bank's portal, Teams or the RM workbench. Up to 50% less time searching for information.

Why Banks Choose Savvycom

Software delivery has changed. Banks no longer buy teams; they buy speed, outcomes and AI leverage. Three pillars run through every Savvycom engagement.

Outcome Driven

  • Measurable business results committed up front: cost reduced, revenue accelerated, risk mitigated
  • Milestone-based fixed price for builds, managed team for optimization
  • Results reported per client case, from 61.5% adoption to 2.5x loan capacity

AI-Native Delivery

  • Every phase of delivery supported by AI agents: requirements, design, code, test, release
  • Human approval gates, audit trails and engineering KPIs at every step
  • One standardized model applied across projects, targeting 50% shorter cycle time

Deep Domain Expertise

  • Teams that understand banking regulations, data models and business logic, not just code
  • Digital banking, lending, loyalty and AI delivered for banks in Vietnam, Cambodia and Indonesia
  • Named among Vietnam’s Top 10 FinTech Companies (VINASA 2024), with ISO 27001 and ISO 9001 certified delivery

Savvycom was named one of Vietnam’s Top 10 FinTech Companies. Read the news →

Engagement model

Eight Weeks From Discovery to an Executable AI Roadmap

Most banks start with AI adoption consulting: four two-week phases that end with a scoped proof of concept, a budget and a team structure the board can approve. Enterprise architecture consulting runs the same way for modernization programs.

Weeks 1 to 2 · Phase 1

Discovery

  • Stakeholder interviews
  • AI maturity assessment
  • Data and system review
  • Gap analysis
DeliverableDiscovery report and maturity scorecard
Weeks 3 to 4 · Phase 2

Use Case & Strategy

  • Use case identification
  • Prioritization by feasibility and ROI
  • Co-creation workshops
  • Roadmap creation
DeliverablePrioritized use case portfolio and AI roadmap
Weeks 5 to 6 · Phase 3

Architecture & Data Blueprint

  • Tech stack assessment
  • Data readiness evaluation
  • AI platform recommendations
  • Governance and compliance guidelines
DeliverableAI architecture blueprint and data strategy plan
Weeks 7 to 8 · Phase 4

Implementation Planning

  • PoC or MVP scope definition
  • Success metrics
  • Timeline, budget and team structure
  • Risks and mitigation
DeliverablePoC scope and execution plan
AdviseUnderstand and define
BuildDesign and develop
IntegrateConnect and orchestrate
ModernizeTransform and optimize
AI-EnableIntelligence at scale
OperateRun and evolve
Before implementationSolution assessment, architecture, requirement refinement
During implementationCustomization, integration, migration, testing
After go-liveHypercare, SLA, enhancement, managed services
As the bank evolvesModernization, data, AI, new platforms

Our Customer Stories

Every case below reflects a production deployment, not a pilot, not a proof of concept. Banking work leads; the same AI delivery teams serve logistics, manufacturing and healthcare.

Trusted By Enterprise Leaders Across the Region

Mr. Kay S. KooVice President, KG ICT

When comparing Savvycom with big enterprises in Vietnam in terms of product quality and business communication, Savvycom is providing a very high standard compared to other firms in the market.

★★★★★
Mr. Kay S. Koo, Vice President, KG ICT
Mr. Wesam SarsourVice President, JK Moving

They were responsive to our communications along the project and delivered high-quality work on time and within budget. Savvycom team has been very reliable with their delivery promises.

★★★★★
Mr. Wesam Sarsour, Vice President, JK Moving
Mr. Raghu RaiCEO, Jio Health

Savvycom has gone above and beyond the traditional engagement of vendors. And we really can’t even tell the distinction between where Savvycom begins and Jio ends. It’s been a wonderful experience!

★★★★★
Mr. Raghu Rai, CEO, Jio Health

Frequently Asked Questions

Savvycom delivers five service lines for banking: enterprise architecture consulting, digital banking platform development, system modernization and integration, agentic banking and AI system development, and managed services. On top of these sit ready-to-deploy platforms for digital banking, lending (LOS/LMS), eKYC, CRM, customer data, loyalty, conversational AI and banking knowledge management, each customizable to the institution's products and regulations.

Savvycom consultants discussing a client project
Share us your requirement
and get your custom
solutions.
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