Financial Services
& Insurance

Rebuild Your Core with Scalable Banking Platforms

Legacy infrastructure is limiting digital banks.

Fragmented systems, manual workflows, and slow onboarding are dragging down performance. Currency restrictions, compliance complexity, and vendor lock-in stifle growth. Customer trust is fragile—and scaling across regions is risky without the right foundation.

Modern Architecture for Speed, Simplicity, and Global Reach

Digital-first customers move fast—your platform should move faster. Reinvent your banking core with resilient, future-ready architecture designed to scale without limits. We engineer multi-region digital banking platforms that enable seamless savings, instant remittances, and real-time analytics—empowering you to serve millions with speed and precision.

Banking Built to Lead

• **Scale effortlessly** across regions and currencies  
• Cut operational costs and reduce reliance on SaaS vendors  
• Slash onboarding time and improve customer retention  
• Enhance uptime, security, and compliance across the stack  
• Deliver seamless digital experiences that meet rising customer expectations

Revolutionize Cloud Banking with Scalable Connectivity

Legacy integration is slowing financial innovation.

Traditional integration methods tie up IT resources, extend timelines, and limit agility. Without self-service tools, onboarding new banks or systems becomes complex and costly—delaying financial workflows and hindering strategic execution.

Simplify Financial Connectivity with Cloud-Native Infrastructure

Break free from integration bottlenecks with a modern, cloud-based connectivity platform. Built on Azure and powered by AI, our solution uses no-code orchestration, serverless functions, and self-service tooling to accelerate onboarding, reduce IT dependency, and future-proof your financial ecosystem.

Smarter Integration. Faster Onboarding. Scalable Growth.

• Accelerate onboarding with AI-powered templates and automated orchestration  
• Reduce IT dependency through self-service tools and intelligent mapping
• Lower integration costs with no-code setup and rapid deployment  
• Scale with confidence using flexible, cloud-native infrastructure

Empower Smarter Spend Management

Reimagine spend. Unlock agility.

Disconnected systems and manual processes aren’t just slowing you down—they’re holding you back. For real estate finance teams, outdated accounts payable (AP) workflows drain productivity, inflate costs, and erode vendor trust. It’s time to treat spend as a strategic asset, not a liability.

Rebuild Spend Management for Speed, Control, and Confidence

We help you automate AP workflows, consolidate vendor platforms, and enable secure, in-house payment systems. With fraud-resistant processing, real-time visibility, and scalable infrastructure, we eliminate friction, accelerate decision-making, and give you full control over every transaction.

Spend Smarter. Operate Leaner. Move Faster.

• Streamline AP workflows and shorten invoice cycles
• Eliminate gateway fees and reduce vendor costs
• Gain real-time visibility into cash flow and reporting
• Strengthen vendor relationships through transparency
• Simplify tech stacks with unified, modern platforms

Modernize Insurance Operations for Speed, Accuracy, and Scale

Automate. Orchestrate. Elevate underwriting performance.

Manual data entry, inconsistent workflows, and slow quoting processes are driving up operational costs and holding insurers back. Underwriters are overwhelmed with administrative tasks, while brokers and customers expect faster, more responsive service. Without modernization, insurers risk falling behind.

Free Underwriters to Focus on High-Value Decisions

We implement intelligent automation to streamline data collection, document processing, pre-fills, and risk scoring—reducing manual effort and improving accuracy. With configurable rules engines and unified workflows, underwriting becomes consistent, agile, and easy to govern. Quotes that once took days now take hours, boosting throughput, lowering costs, and transforming core operations.

Empower Underwriters to Do More

• Cut costs by automating routine tasks and reducing manual effort
• Quote faster with accurate, same-day turnaround
• Standardize operations through unified workflows and rule-based engines
• Scale smarter by increasing capacity without expanding headcount
• Boost satisfaction by improving broker and customer experiences with speed and precision

Rebuild Your Payment Infrastructure for Speed and Scale

Outdated PoS systems are holding back growth.

As payment networks expand, legacy infrastructure is reaching its limits. Fragmented protocols, manual onboarding, and inconsistent performance create friction and slow down operations. In a digital-first economy, every delay erodes trust—and every failure impacts revenue.

Simplify the Core. Accelerate at the Edge.

Redesign your terminal ecosystem for speed, simplicity, and scalability. With unified communication layers, automated provisioning, and infrastructure built for high availability, we eliminate friction and future-proof your operations—ensuring payments flow smoothly, even under pressure.

Seamless Transactions. Scalable Systems. Built for Growth.

• Unify protocols across your payment ecosystem
• Accelerate onboarding to reduce time-to-revenue
• Ensure real-time performance under high demand
• Support high-volume transactions across channels and markets
• Power a future-ready platform that keeps your business moving

Put AI at the Heart of Financial Transformation

Financial institutions are rich in data—but poor in agility.

Outdated processes, siloed systems, and manual workflows prevent organizations from unlocking the full value of their data. As customer expectations rise, fraud threats evolve, and compliance demands intensify, AI is no longer optional—it’s essential for staying competitive.

Activate AI-Driven Intelligence Across Financial Operations

Embed AI across customer experience, risk management, operations, and product innovation. From real-time fraud detection and dynamic pricing to document automation and personalized recommendations, we turn AI into a strategic advantage—not just a buzzword.

What You Will Achieve

• Conversational AI & Virtual Assistants to streamline support
• Predictive Analytics to anticipate behavior and guide smarter decisions
• AI-Powered Document Processing to eliminate manual bottlenecks
• Fraud & AML Detection Models for real-time protection
• Customer Sentiment & Segmentation Engines to personalize every interaction
• Automated Compliance & Regulatory Reporting to reduce risk and cost

AI That Delivers. Operations That Excel.

• Accelerate claims processing and eliminate errors
• Stop fraud with real-time detection
• Automate compliance to reduce cost and risk
• Personalize at scale to build lasting loyalty
• Predict trends and act with speed
• Deliver smarter products and maximize return

Gain a Competitive Edge in Underwriting with AI-Driven Intelligence

Outdated underwriting processes can’t keep pace with today’s demands.

As risks evolve and data volumes surge, relying solely on human judgment is no longer enough. Without AI to enhance decision-making and streamline operations, underwriting becomes a bottleneck—slowing growth, reducing agility, and weakening competitiveness.

Let AI Handle the Complexity—So Underwriters Can Focus on Strategy

HTEC builds intelligent underwriting engines that combine real-time data, predictive analytics, and generative AI to accelerate every step of the underwriting process. By harnessing structured and unstructured data—from IoT devices to telematics and public records—insurers can triage smarter, assess risk with greater precision, and dramatically reduce time-to-quote.

Deliver Measurable Impact Across the Underwriting Lifecycle

• Smarter pricing: Predictive models and real-time data reduce loss ratios and improve profitability
• Faster quotes: Automated data intake speeds decisions and enhances customer satisfaction
• Stronger differentiation: Personalized products powered by analytics help capture market share
• Sharper portfolio control: Real-time insights enable proactive risk strategies
• Scalable innovation: Leverage IoT and telematics to launch usage-based insurance products

Build Investment Platforms That Drive Performance and Growth

Slow onboarding. Disconnected systems. Limited visibility.

Today’s investment platforms aren’t designed for real-time markets or empowered advisors—and it shows. When insights lag and tools don’t scale, performance suffers. It’s time to transform advisor platforms into engines of growth.

Deliver the Speed, Insight, and Reliability Advisors Need

Create next-generation investment platforms that accelerate onboarding, deliver deeper insights, and scale with market demands. From resilient architecture to dynamic advisor portals, we equip your teams with the tools to act faster, advise smarter, and consistently deliver results.

Advisor Platforms That Keep Pace with the Market

• Accelerate onboarding and reduce advisor ramp-up time
• Enhance platform stability and improve release quality
• Provide real-time access to data and client insights
• Boost advisor engagement with intuitive, dynamic tools
• Strengthen advisor-client relationships through smarter, faster decisions

Underwriting Transformed—from Manual to Intelligent

Inefficiency is costing insurers more than just time.

Manual workflows for submissions, renewals, and mid-term adjustments (MTAs) slow down operations—cluttering the broker-underwriter journey with duplicated data entry and outdated systems. Interfaces are complex, and risk assessments lack consistency. It’s time to rebuild the underwriting engine to move faster, price smarter, and serve better.

Rewire the Underwriting Journey for Impact

We redesign every step of the broker and underwriter experience—removing friction across submissions, quotes, binding, and renewals. By combining Cognitive Design with intuitive UX, we eliminate manual overhead and complexity, allowing underwriters to focus on judgment, not admin. Every step becomes faster, smarter, and easier to navigate.

Underwriting That Drives Performance

• Eliminate inefficiencies across submission, assessment, and binding
• Accelerate decisions with cleaner data and fewer manual steps
• Reduce risk variability through structured, consistent workflows
• Enhance broker experience with intuitive digital tools
• Unlock insights that inform pricing, risk selection, and product innovation

Future-Proof Your Tech Foundation for What’s Next

Transactions should fuel growth—not introduce new risks.

Legacy systems, compliance gaps, and inherited technical debt can quickly erode the value of acquisitions. Innovation slows, operating costs rise, and vendor lock-in limits flexibility. In fast-paced markets, integration delays can compromise long-term competitiveness.

Modernize with Confidence. Integrate at Speed.

Reduce post-acquisition risk by upgrading core technology environments. We streamline system integration, automate infrastructure, and strengthen security and compliance from day one—enabling faster transitions and unlocking long-term value.

Accelerated Integration. Reduced Risk. Future-Ready Growth.

• Eliminate technical debt and simplify system integrations
• Restore release velocity and reduce operational overhead
• Strengthen compliance across every layer of your tech stack
• Modernize infrastructure with cloud-native tools, CI/CD, and secure automation
• Accelerate ROI and build a scalable, future-ready platform from day one