Agile. Secure. Technological. Finance.

The world of credit and finance is a complex one that arouses enthusiasm and fascination; however, it is not without its risks. Therefore, it is vital for every institution working within a rapidly evolving sector to have a partner like Exprivia to rely on for IT support.

Technology and financial technique, the binomial of the future
From risk governance to data leveraging, from clouding to BYOD, from information security to nearshoring services, digital transformation works alongside the evolution of the credit and financial system
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Competence, Consulting, Know-how

With our long-term experience, we can support our customers with customised services and solutions designed to always keep pace with the unique needs of this market.

Exprivia’s in-depth knowledge of typical market processes, combined with its solid technical skill and experience working with innovative technology suppliers and market leaders make it the ideal partner to promptly meet the evolving needs of customers.

Exprivia’s solutions cover the following areas:

 

Systems, infrastructure and security: design, services and solutions
Governance, Risk Management and Compliance
Risk governance is a crucial aspect for credit and financial enterprises. The GRC solution offered by Exprivia has been perfected with the most important Italian banks and is capable of monitoring, identifying and evaluating legal and financial risks as well as identifying the best ways to respond to them. Particular attention has been dedicated to the adoption of a consolidated methodology and a process that traces every single detail.
From data governance management to Exprivia
The widespread diffusion of mobile devices to access information increasingly in real time, the access to unprecedented wide-scale online competition, together with strong external forces, such as the acceleration in virtualisation due to the pandemic and the overwhelming amount of compliance rules that producers and consumers need to observe at all levels, have generated new requirements for banks and insurers. A sound Data Governance Strategy needs to be flexible and resilient to the changes in internal policies and external regulations and needs to steer the wave of innovation in order to optimise all business processes. Exprivia's many years of experience in the services it offers may be summarised in the following macro areas: Data Integration and Ingestion, Data Layer Design, Data Governance, Data Virtualization, data Risk Management e Advanced Data Analytics. Read all >>>

Cloud Computing for optimised response to service requests
The most claimed advantages resulting from the shift of data processing to the cloud include: faster innovation, lower costs, increased productivity, scalability, flexibility and robust continuity management (running time). Since the importance in personalising customer experience has become a business requirement, the need to process data and create insights that may be used in real time will require a robust cloud architecture (the importance of Cloud Journey). As part of the transformation process towards the cloud, based primarily on Open Banking, Exprivia offers banks and insurance companies the opportunity to handle the process according to the pillars of the Cloud Maturity Model with Services for the implementation of digital transformation projects, ranging from a simple architectural migration from legacy to hybrid or multi cloud to the development of modern infrastructures and applications with integration levels well suited to the API economy, a review of application components through to the migration to SaaS processes. These comprehensive solutions cover the entire range of digital transformation processes thanks to the wide variety of skills and extensive experience in different markets.

IT Technical Consulting and Support Services
Exprivia also provides system administration services such as: system installation, patching and upgrading, rolling out application solutions, system migration projects, networking and storage architectural design, definition and implementation of backup and restore procedures, running of systems, monitoring and performance tuning.
Our Goal is Your CyberResilience
Protecting digital information assets means making them CyberResilient: this requires adequate processes and technologies in light of the global context in which companies operate, alongside constant monitoring of the evolution of internal and external threats as well as of new market regulations. Exprivia provides complete security coverage through processes, skills, infrastructures and technologies with a very high conceptual and technological content. Over the years, Exprivia has developed skills in all the main CyberSecurity contexts; in particular, we have gained significant experience in the management of privileged and non-privileged identities; we have acquired the highest level of skills to support the implementation and management of SIEM systems and security analysis; we have developed skills, partnerships and experiences in Secure Coding, DevSecOps, Vulnerability Assessment and Remediation. In addition Exprivia supports large organizations in achieving compliance with sector and general regulations, such as SWIFT CSP and GDPR. Read all >>>

Digital channel and Open banking: the new business rules
The steadily growing numbers confirm how Mobile plays a key role as the channel chosen by customers to use the web and, especially, banking and insurance services. In terms of use, the distance between Internet Banking and Mobile Banking is becoming increasingly shorter and analysts agree that Mobile Banking will soon overtake Internet Banking. Furthermore, the PDS2 directive has formally opened the market to payment services, as well as to operators that are not strictly banking, which require and obtain specific authorisation from the European Banking Authority, known as Third Party Providers (TPP). As a result, competition between banks has become more complicated due to new operators offering significant Customer Experience to customers who expect their bank to provide them with a highly satisfactory digital experience.
Exprivia's many years of experience in the services it offers include:

  • Digital Channel - support to customers ranging from the design to the implementation of portals and mobile solutions based on the main market platforms
  • Digital Channel & Open Banking (Psd2) - design and implementation of web and mobile applications for retail and corporate customers that use AISP and PISP models integrated into PFM or BFM applications for the purpose of promoting profile awareness by financial institutions and offering customers the opportunity to better manage their assets or their business
  • Experience Management - creation of customised digital experience, marketing applications, augmented and virtual reality, Customer and User Experience (Cx/Ux), Design Thinking, and Service Design
  • Audience Management - an offer that not only provides technological support but also analyses customer audiences in real-time in order to make better decisions and deliver the right offers to the right target audience
  • Sales Solutions - customer relationship management solutions that use market products such as SalesForce

On-Boarding issue: balancing between regulations and customer experience
Digital on-boarding represents ever more a sort of "capital bond" for companies, both due to the acquisition of new customers and to the sale of new products or services that have to comply with regulations.
Exprivia bases its offer on four fundamental concepts:

  • Use of Building blocks for regulatory functions and basic standards, Basic Standard Framework
  • API Connectivity for standard access
  • Reusability Code to share ready-made functions
  • Service design based on the Design Thinking approach and able to offer best Customer UIX

Hyperautomation
The need to learn how to deal with market changes has made it clear that it will be important for financial institutions to adopt flexible business models based on agile and scalable platforms in times of uncertainty. Defining an incremental process automation programme is one of the possible actions that banks may implement to streamline operations and increase their efficiency, to identify new sources of value and to promote customer experience with a view to gaining significant market drive.

Low-code Business Process Management (BPM) solutions, which are now widely available on the market, are the answer to achieve “structural flexibility”. Alongside the rapid and simplified development of enterprise applications, these solutions focus on intelligent workflow orchestration in which the components - represented by people, AI algorithms and RPA bots - are correctly and dynamically mixed and balanced to become a resource for boosting efficiency and competitive advantage, as well as for supporting risk management, compliance, change management and corporate strategy. Read all >>>