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Digitalización de procesos, impulso del impacto

ANTICÍPESE AL CAMBIO SIN ALTERAR SU NEGOCIO

Reformule su modelo operativo para adelantarse a los consumidores digitales.

SHARPEN YOUR COMPETITIVE EDGE


Reinvente los procesos básicos del núcleo de su negocio para mejorar la agilidad operativa y apoyar nuevas capacidades.

Digital is reshaping the banking services landscape, mandating firms to shift from an overreliance on legacy IT systems and traditional business models toward nimble, customer-centric processes.

Si bien una de las medidas de éxito en este sector ha sido los procesos repetibles fijos y estandarizados, los canales digitales, las nuevas tecnologías y la necesidad de información sobre datos, se ha creado una fuerte necesidad de modelos operativos ágiles con procesos redefinidos y rediseñados. 

To support hyper-targeted and personalized products and customer experiences, leading banks need highly automated, adaptable and agile processes. Only then can they quickly pivot to accommodate the latest technology innovation, as well as industry and customer demands.

We help retail and commercial banks digitize the value chain through technology, robotics and analytics to redesign the customer experience while minimizing disruption through a well-documented operational playbook.

COGNIZANT, UN LÍDER RECONOCIDO

 

SERVICIOS

OPTIMIZACIÓN DE OPERACIONES CON LA AUTOMATIZACIÓN DE PROCESOS


With new digital operating models, banks are freed to budget and allocate resources to focus on innovation and service quality—the lifeblood to moving in lockstep with today's digital consumers. We help banks drive new operating models to boost revenue and control costs.

  • OPERACIONES HIPOTECARIAS

    SUPERAR LA DEMANDA DEL PRESTATARIO CON LO DIGITAL

    Los prestatarios de hoy esperan un enfoque omnicanal e hiperpersonalizado, en el que los bancos propongan soluciones proactivas y quizás capacidades de gestión financiera más sólidas, en lugar de actualizaciones de proveedores o soporte de un solo canal. 

    Nuestro exclusivo enfoque consultivo basado en la industria ayuda a los clientes a visualizar, crear y dirigir empresas de forma más innovadora y eficiente.

    Nuestras capacidades incluyen:

    • Conformidad, auditoría, garantía de calidad y control
    • Fulfillment (processing, underwriting, closing/funding and delivery) for retail, wholesale and correspondent
    • Gestión de préstamos, incluido el mantenimiento de depósitos y préstamos
    • Servicios de ejecución hipotecaria 
    • Asistencia de centros de llamadas 
    • Finanzas y contabilidad
    • Servicios de liquidación

    Each solution delivers a re-invented focus on the new ways of borrower engagement combined with self-service tools, helping you to ensure the best possible user experience for your customers and reduce the cost of servicing a loan while providing better adherence to compliance requirements.

  • OPERACIONES DE PRÉSTAMO

    MODERNIZAR LOS PROCESOS DE PRÉSTAMO PARA NUEVOS MODELOS OPERATIVOS

    Cognizant’s Lending Digital Operations practice has experience in performing activities across the value chain. We service a variety of clients including originators, servicers, banks, credit unions, brokers, realtors, appraisers and title companies.

    Our end-to-end service offerings include origination, servicing, default management and specialized services to provide processing and transformation support.

    Los servicios incluyen:

    • Originación, incluidos el apoyo para procesamiento de aplicaciones, la suscripción, el cierre y las auditorías posteriores al cierre.
    • Servicio y gestión por defecto, incluidos el apoyo para administración de fideicomisos, mitigación de pérdidas, bancarrota, juicio hipotecario, REO y procesamiento de reclamaciones.
    • Servicios especializados, incluidos el apoyo para inundación, evaluación, valoración y servicios de campo.
    • Exposición a varios tipos de préstamos, incluidos préstamos residenciales, comerciales, de compra de vehículos, de estudios y al consumidor.
    • Experiencia en las plataformas líderes del sector, incluidas Dorado, Fiserv, Encompass, MSP, Unifi, Capstone, ARGO y ACBS.
  • FINANZAS Y CONTABILIDAD DIGITALES

    TRANSFORME DIGITALMENTE LAS FINANZAS Y LA CONTABILIDAD CON VELOCIDAD Y A ESCALA

    Hoy en día, las funciones de finanzas y contabilidad de muchas empresas se centran excesivamente en las operaciones en lugar de impulsar de forma proactiva los resultados de negocio y el cumplimiento normativo. Con múltiples sistemas heredados, datos de baja calidad y procesos que no cumplen los estándares, las empresas precisan servicios para estabilizar las operaciones y reducir los costes, así como oportunidades de obtener una mayor productividad e ingresos.

    Cognizant offers an orchestration layer for finance and accounting—a cloud-based platform with built-in workflows that connect to multiple legacy systems with an embedded analytics engine for real-time visibility to monitor business metrics. Combining disparate processes into a unified whole—backed by operational insights and continuously-optimized managed services—we help you optimize working capital and reduce operating cost and days sales outstanding (DSO), to enhance financial control and support for complex regulatory requirements.

    Nuestro ágil modelo operativo proporciona un marco probado que integra a los empleados en procesos industrializados listos para su despliegue que permiten mejorar las experiencias del cliente y el empleado con una eficacia superior.

    LEER MÁS

TARGETED SOLUTIONS

DELIVER MODERN DIGITAL EXPERIENCES

Smart packaged solutions to help banks transform for the digital age.

  • CUSTOMER 360

    ACHIEVE NEW CUSTOMER INSIGHT

    Cognizant Customer 360 is a smart packaged solution that helps banks transform for the digital age. It provides a real-time view of customer relationships across all products in the bank. Built and deployed on the cloud, Customer 360 eliminates batch processes and creates customer profiles instantly.

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  • APPLICATION AND INFRASTRUCTURE SUPPORT

    GAIN OPERATIONAL EFFICIENCIES

    Cognizant Application Infrastructure Support simplifies your IT environment and saves costs by standardizing across operations, tools and processes. It enables you to eliminate recurring issues and perform change management without impacting application availability. Offerings include a debt management framework, catalog service delivery at scale and co-located teams for speedy service restoration.

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  • COGNIZANT INTELLIGENT MORTGAGE ADVISOR

    TRANSFORM THE HOME BUYING EXPERIENCE

    Cognizant Intelligent Mortgage Advisor is a cognitive assistant for home buyers that offers custom loan recommendations and starts the application process. It helps answer customer questions and provides updates on application status. A 2018 report from HFS named it one of the best examples of conversational AI.

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  • ROBOTS-AS-A-SERVICE

    PREPÁRESE PARA EL FUTURO

    Cognizant Robots-as-a-Service (RaaS) automates repeatable operations and scales seamlessly to address all volume of work. It lets your organization automate operations such as ordering services from third parties and seamlessly addresses any volume of work. With RaaS, you’ll be able to launch initial operation within as little as 12 weeks.

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  • REAL-TIME PAYMENTS

    DEEPEN CUSTOMER RELATIONSHIPS

    Cognizant Real-Time Payments responds to rapid changes and enhanced modes of payment with new capabilities to retain customers and regain profits. It enables your bank to provide branded digital wallets that offer customers, anytime, anywhere commerce in stores, mobile apps and online. Our solution includes expedited implementation of The Clearing House (TC) real-time payments and a SWFT message generator.

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  • PAYMENTS MODERNIZATION

    ATTAIN THE DIGITAL EDGE

    Cognizant Payments Modernization simplifies and secures your payments processes and platforms. The solution includes enterprise payments strategy and design, core platform assessment, and platform re-architecture services. Leveraging our innovative user experience, your organization will boost transaction processing throughput and improve speed to market.

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  • REGULATORY SYNERGIES FRAMEWORK

    FAST, EFFICIENT COMPLIANCE

    Cognizant Regulatory Synergies Framework helps you adhere to new regulations faster and at a lower cost. You can gain a detailed understanding of your organization’s risk capabilities and spend less time—and expense—on compliance.  Offerings include identification of regulations with overlapping impact and an integrated data governance framework.

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  • NEXT-GEN AML FRAMEWORK

    AUTOMATE AML ALERTS

    Cognizant Next-Gen AML Framework is an anti-money laundering solution that automates alerts and provides fewer false positives and negatives. The service uses artificial intelligence (AI)-based pattern matching to avoid the alerts that traditional AML programs generate. It lowers operational costs, facilitates faster alert investigation and improves detection by learning new patterns.

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NOTICIAS

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DÉ EL PRIMER PASO

Servir a los clientes mirando al futuro y al pasado es una gran promesa, pero el poder de las capacidades digitales actuales es inmenso y sigue creciendo.

Hablemos sobre cómo puede ayudar el mundo digital a su negocio.

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