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Financial Digital Solutions
We deliver end-to-end financial digital solutions that help banks, insurers, and fintechs modernize operations, automate processes, apply AI with governance, and drive efficiency, compliance, and scalable growth.
At NTConsult, we develop modular, API-driven financial technology frameworks that accelerate the creation of tailored solutions in complex environments. These frameworks securely and seamlessly connect legacy systems, modern platforms, and external ecosystems with full governance and control.
Our portfolio of digital financial products includes:
Digital Onboarding
A solution that digitizes the beginning of the financial relationship, integrating identity verification, KYC/AML, data collection, electronic signature, and omnichannel experience, allowing the customer to move through the web, app, or agent without losing continuity.
Integrations
A solution that connects core banking to internal and external systems through APIs, microservices, and orchestration layers. It enables secure integrations with credit bureaus, as well as partner platforms, ensuring high-speed data exchange and governance over the entire flow, acting as a conductor that coordinates different systems in a single journey.
Digital Origination
A digital process that integrates data analysis, regulatory validations, risk assessment, and decision-making to approve or reject financial products in an automated, secure, and omnichannel manner. The journey maintains continuity across the web, the app, and human customer service.
Payment Gateway
A platform that connects sales to payment methods, processing transactions securely and with complete integration between cards, PIX (Brazil’s instant payment system), bank slips, banks, acquirers, and payment processors. It performs authentication, authorization, and settlement of payments in a single flow.
Smart Engines
A suite of analytical engines that uses customer data, business rules, and predictive models to generate personalized offers, calculate limits, and present available credit in real time. The solution supports customer service teams and digital channels with intelligent and immediate recommendations.
Open Finance
A solution that enables full participation in Open Finance, allowing the secure and standardized sharing and consumption of financial data, with integration to the Central Bank and other entities in the ecosystem. It guarantees technical, regulatory, and operational compliance.
Controllership
A solution focused on financial and accounting management based on the requirements of IFRS 9, which establishes classification, measurement, and provision criteria for financial instruments. The product applies expected loss models, portfolio segmentation, and risk rules to ensure accurate accounting records that comply with regulatory requirements.
PIX
A solution that implements the PIX payment method within the financial institution, integrating directly with the Central Bank or PSP and in technical, regulatory, and operational compliance for instant transactions.
Investment Module
A solution that enables financial institutions to offer investment products through their digital channels, allowing clients to invest in a simple, secure, and integrated way. It covers both fixed-income and variable-income offerings, with a unified experience across web and mobile app.