Digital Banking Transformation

Digital transformation is about more than just providing online web and mobile functionality. Traditional banking providers need to combine digital speed and convenience with human interactions that are both thoughtful & caring at crucial moments in the customer journey. Many organizations are overwhelmed by the scope of change required to become a digital bank. We keep banks a funding the right path to digital transformation.


Our Services

Techmill help customers evaluate the case for investment, set up products for success.

We facilitate customers to maximize the business results from major banking application initiatives, including burmarred programs. We help customers evaluate the case for investment, set up protects for success or place current projects on the right track to ensure the capture value when implementing new systems & programs. We bring full range of experience & experts to each customer engagement to help banks navigate their specific business situation.

Our Offerings

Banking is facing sweeping technological changes that are profoundly impacting the way banks do business with more than a decade of experience in implementing banking solutions. Our approach draws on best practices from a variety of fields, employing a combination of internal & external experts to fulfil the needs of our customers as completely and effectively as possible. We help our customers to plan to limit any unexpected surprises of local developments. We assist our customers in incorporating global best banking practices into their operational processes procedures to achieve appropriate outcomes.

Our Offerings

Banking customers are increasingly looking for digital channels to access products & services. It has become the primary engagement point with the institutions and it has enabled institutions to offer more services through digital channel. As customer expectations continue to evolve with the innovation and technology advancements, institutions should transform their traditional channel for superior User Experience (UX). We help institutions to build intuitive customer portals fully responsive for all devices across a broad range of financial product floorings.

Our Offerings

Omni Channel Banking

Staying a head means providing personalized and engaging digital banking experience with a powerful Omni channel customer engagement, TEMENOS platform. Techmill can help you extend your banking services across all platforms in a consistent and unified manner. Make every customer interaction count irrespective of the devices your customer use.

Digital Engagement

Banks has to listen & follow their customers to serve better and improve loyally. Technician help build a digital banking platform when banks can leverage customer’s digital engagements with powerful insights. Banks can provide customers with relevant banking services & offers based on context while customers drive bank transactions using AI related chatbots.

Techmill Test Automation services offers an extensive testing solution for banks that effectively accommodates customizations and challenges of applications and UXP development. Techmill primary focus is to provide a solid testing framework that is secure, versatile, scalable and reliable to cater to the needs of the banking industry.

Real benefits of Techmill Test Automation services are:

Single platform for entire E2E Testing and RPA

Web, Windows, Mainframe, Mobile, Web Services, Oracle Forms, SAP and many more.

AI based Object Identification & Test Execution

Hence no need for Object repository/Mapping. Automatic allocation and execution on multiple test machines.

One Script Concept & Multilingual Support

Single Automated Business Flow used for Functional & Regression, Mobile, Security & Performance testing and on different languages.


Parallel Execution of Test Cases and Business Components. Quickly deployable automation, immediate skills upgrade for client organizations at no cost.

With the ever increasing ease of doing internet, mobile and social banking, and the improvement of user friendly policies of both organizations and governments, coupled with the vast advancement of interactive technology, financial institutions are facing a new kind of challenge – How to make sense of the oceans of data presented in front of financial institutions in various forms, formats, sources and contexts is a big challenge. Other big challenge for financial institutions is having multiple systems to support the data. The data is bound up in siloed product with no conformity on semantics making it difficult to access meaningful information. It is difficult to get single version of the truth using these silos.

Our Offerings

Banking in the clouds with the migration of core financial services can lead to greater security and agility for banks when compared to traditional platforms. A cloud-first strategy would lead to innovations with faster time to value, no upfront capital cost, reduction in operational cost and superior customer engagement.

Techmill Cloud Migration Services will help Financial institutions to achieve below benefits:

Reduce Expensive Hardware Cost

Web, Windows, Mainframe, Mobile, Web Services, Oracle Forms, SAP and many more.


Resources can be scaled effectively and volume can be increased according to banks demand.


Parallel Execution of Test Cases and Business Components. Quickly deployable automation, immediate skills upgrade for client organizations at no cost.

Work With Us?

We build & service financial software. If your IT organisation is busy supporting business as usual or if you do not have your own in house team - we are your ideal partner.

Drawing on decades of experience from financial technology. We provide you with solutions based on cutting- edge technology.

Latest from our Blog

GDPR – The latest final word in Data Protection and Privacy

EEA citizens have been given the most complete data protection rights in the world by the European Union through the implementation of the General Data Protection Regulation (GDPR). Compliance is mandatory and hefty fines and penalties are levied on defaulting organizations. GDPR opens up a host of business opportunities for organizations willing to change. The need for GDPR stems from the fact that technology is rapidly changing the Data and information security landscape across the world and more so, due to the uneven data protection regulations among countries. With the democratic ethos in perspective, GDPR aims to give the control of individual data and information to the EEA citizens. EEA citizens will retain the right to access the individual personal data shared with any company, and also the right to delete it, and/or transfer it to new companies. The fluidity with which Data moves in the platform business model of the post Big-data world opens up avenues for businesses to harness the immense potential of Information. However, trust, citizen consent and individual rights assume paramount importance in such a situation. Personal data is considered as the most important asset by individuals, corporations and nations. Most of the highly ranked companies in the world today deal with handling huge amounts of data. This brings to focus the extreme caution in the way citizens’ data is created, stored, shared, manipulated, archived and protected. GDPR and similar such regulations help nations and corporations to ensure the basic human rights of privacy. Corporate interests always have the concern of the restrictive influence of such privacy regulations. Yet, more than most companies understand that strict security and well defined regulations are nevertheless necessary for realizing the full potential of personal data asset. The penal clauses in GDPR are not just a punitive measures for the defaulting companies. They are intelligently devised at improving data governance, heighten trust, make citizens more aware in sharing their personal data, make consent understandable and enable entirely new classes of services. The immediate effects of implementing GDPR is already there to witness. The latest boost in the security and e-identity sector is but an example of the vast changes yet to come. Personal Information Management Systems (PIMS) is an entirely new class of services made possible by the GDPR. Technologies that provide citizens a singular and holistic view of their agreements and acceptance given to share their data with multiple service providers and corporations enable PIMS. Through PIMS, individuals can give consent, delete data and transfer data. PIMS also helps individuals to subscribe to new services in a secure way protected by GDPR, while corporates can utilize the same platform to reach out to new customers and acquire their data in a mutually beneficial way. The future will be bright for technologies that help in data aggregation, cognitivive technologies and information driven services, such as analytics, pervasive computing etc GDPR helps corporations in not only avoiding data privacy pit falls and help individuals to free themselves of becoming unwitting co-conspirators of the breach of their own personal data, but also in providing business opportunities for corporations to become highly intelligent in investing data driven services. The by-product of this would superior and secure services for individuals who are not just deemed as consumers any more by the service providers, but also are seen as protected citizens. At the crux of GDPR is the one truly remarkable fact that has been wilfully or otherwise neglected by governments corporations until now – that the individual must be the one who controls what actually happens with his or her data.


BI trend in BFSI

Banking, financial services and insurance industries are sophisticated and complex. These industries are subject to significant regulation and they generate mountains of data. For the enterprise that participates in one or more of these markets, it can be difficult to stay abreast of changes in the market, changes in competition, and customer and regulatory changes. Banking, Financial services & Insurance (BFSI) - Data democratized. Decisions empowered. Each instrument delivers ElegantJ BI – BI Tool for Banking, Financial services & Insurance (BFSI) Evolution of Core Features of BI. Decision Support System – first envisioned as a technique for management and organization leadership Journey of Raw Data -> Information -> Knowledge critical for enhanced Organizational efficiency, reduced Cost and improved Profits that are the objectives at the core of BI Philosophy Analysis of existing data to generate post-facto Data and Information literacy – Cubes, Slice & Dice, Drilling, Induction, Statistics, OLAP and real-time BI, Data Visualization. Predictive Analytics to develop strategic insights into the future based on Historical data. Standardization - Self-Serve Reports, performance Dashboards, KPIs, Scorecards, Benchmarks. Targeted Benefits to BFSI – Improved Operational Efficiency, Products & Services, Customer and Portfolio Retention, Fraud detection and Risk Reduction, Corrective Strategies, Innovative Marketing, better planned profitability. Challenges in Status Quo – Increased Security concerns and Regulatory norms hindering accelerated technology and BI adoption, weight of legacy data and processes, cost of change. Levers of Progress and looking forward – Proliferation of Unstructured Data, Fintech revolution, Mobility, Agility, Digitalization, Automation, Big Data finally living its hype, Augmented Reality, Collaborative and Conversational Analytics. [caption id="attachment_244" align="alignnone" width="426"] BI in BFSI – An Overview[/caption] From Data Driven to Value Driven Big Data in BI – realized through Smart and Fast Data. Use of NoSQL DB, Unstructured data repository, Analytical tools using rapid parallel processing. Deep Prescriptive BI through Digitally ubiquitous Unstructured Data – Reinvent, Digitalize OR Eliminate. Decision Automation – The utopia of interplay among Robotics, AI, ML and NLP may well be here! Vastly improved Self-Service through Data Catalogs Traditional Analytics driven by new and renewed Data Systems interoperability – Utility of Data Lakes and increase in their ROI. IoT and pervasive computing driven Data Collection and Analysis for business strategy of expansion, consolidation, mergers and acquisitions. Hybrid Clouds - Private clouds, On-premise Data and Public Clouds to cooperate and collaborate for a seamless Analytics experience for better enterprise wide decision making. NextGen BI through Data Architecture Modernization. Blockchain emergence beyond Cryptocurrency – Smart Contracts, Insurance Fraud Prevention, Anti Money Laundering. Fintech Collaboration – Non Brick and Mortar Banks with extreme Consumer focus.