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At Entelect, We're Engineering the Future of Banking

Entelect partners with banks to modernise their core platforms, build faster, more reliable payment ecosystems, implement risk management solutions and deliver hyper-personalised digital experiences. 
As a global service provider with presence in Europe, Africa and Australasia, we engineer systems that drive customer experiences and business performance, ensuring every client is treated like our only one.

Our Banking Experience

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Digital Experience and Channel Modernisation

Omnichannel Experience, Hyper Personalisation, and Self-Service and Automation.

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Payments

Real-Time Cross-Border Payments, Digital Wallets, and Transaction Data.

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Fraud, Risk and Regulation

Regulatory Compliance and Reporting, Fraud Detection, and Managing Risk.

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Core Banking Transformation

Migration and Modernisation, and Decoupling Systems.


Trusted by Leading Banks


Digital Experience and Channel Modernisation

Hyper Personalisation

Insight set banks apart.

Fintechs aren’t just taking market share, they’re reshaping customer expectations. Instant onboarding, contextual insights, and frictionless payments have become the new standard. Banks bound by legacy platforms can’t match that speed or intimacy.

By harnessing next best action engines, smart nudges, and contextual banking, modern platforms positions banks as trusted partners rather than commoditised service providers.

At Entelect, we build highly personalised, data-driven digital platforms, tailored to your segments, your users, and your strategy. 

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Case Study: Enabled Real-Time Personalisation for OM Bank

Entelect helped OM Bank deliver a personalised digital banking experience based on their financial literacy levels. The solution, powered by dynamic CMS-driven content, replaced a rigid, database model with a flexible architecture that enables real-time updates and richer personalisation. Customers now receive tailored guidance and explanations based on their financial literacy levels, driving engagement and understanding. With Entelect’s craftsmanship, hands-on partnership, and engineering excellence, the bank now delivers a truly adaptive, data-driven user experience.
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Digital Experience and Channel Modernisation

Omnichannel Experience

Fragmentation costs more than just customers.

Disconnected channels and rigid frontends create fractured journeys, onboarding stalls, issues drag on, and operational costs climb. Banks winning today meet customers seamlessly across mobile, web, branches, and contact centres. Design-led interfaces, microservices, and API-first integrations turn brittle systems into real-time, data-rich experiences.

We make that shift possible, delivering unified platforms that boost engagement, speed up rollouts, and reduce pressure on call centres, keeping your bank relevant and competitive.

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Case Study: Delivering a true omnichannel experience with FNB

FNB partnered with Entelect to modernise its international banking channels, replacing multiple legacy systems with a unified digital platform spanning web, iOS, Android, and branch-assist apps. The programme was shaped by Entelect’s rare blend of global BFSI expertise and hands-on presence, resulting in a consistent omnichannel experience for retail and business customers, built on a scalable foundation for future growth. 

Digital Experience and Channel Modernisation

Self-Service and Automation

Manual processes drain time and margin.

Paper-heavy workflows and hand-offs slow onboarding, reconciliation, and servicing, costing banks money and frustrating clients who expect instant results. Automation turns service into an advantage. Modern self-service and cloud-native platforms give customers speed, control, and confidence: instant onboarding, eKYC, credit, and account updates. Commercial teams reconcile and pay directly; wholesale clients get real-time settlement reporting.

We build the digital rails that replace manual bottlenecks with automated, customer-led journeys, cutting costs, accelerating turnaround, and elevating your service into a competitive edge.

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Case Study: Automating customer validation with AI

By leveraging Entelect’s AI expertise, Standard Bank transformed customer onboarding for its corporate clients. What once took three weeks to manually vet Payment IDs is now completed in seconds, enabling instant onboarding. This shift not only eliminated a major bottleneck but also enhanced the customer experience, reduced operational strain, and accelerated the bank’s ability to bring clients into its ecosystem efficiently. The outcome reflects our blend of global capability and personal focus, with dedicated teams working side by side until outcomes are achieved.

Channel

Transform your digital customer journeys with our global capability and personal focus.

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Payments

Real-Time Cross-Border Payments

Cross-border payments are still a minefield.

Banks juggle AML, sanctions, and tax rules across jurisdictions, while legacy correspondent networks add delays, errors, and high costs. Inconsistent standards make it tough to match the speed and transparency customers now expect from fintechs and remittance players.

Modern platforms turn complexity into advantage. Entelect builds API-first, ISO 20022-ready cross-border solutions that automate screening, streamline reconciliation, and enable real-time tracking. Our intelligent data pipelines and global integrations deliver faster, transparent, and predictable payments, transforming a costly obligation into a competitive edge.

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Case Study: Streamlining cross-border payments with Absa

Absa needed to modernise cross-border and domestic payments across 10 countries. Entelect delivered an API-driven platform that replaced four legacy systems and reduced operational risk. The results were significant: payment rejections dropped from 5.5% to 0.32%, client satisfaction rose from 3.5 to 4.4, and Absa earned board-level recognition for customer excellence. This was achieved through Entelect’s hands-on, outcomes-first approach.

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Digital Wallets

From regulation to real-world readiness.

As Wero and other digital payment mandates roll out, banks face the technical complexity of integrating wallets, ensuring AML/CTF compliance, and maintaining a seamless customer experience. Legacy systems and siloed data leave many banks too slow to innovate, risking customer loyalty and market share.

Entelect engineers secure, compliant wallet integrations – linking banks, merchants, and ecosystems through open APIs and modern cloud architectures that drive trust, engagement, and regulatory confidence.

 

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Case Study: Helping Rabobank Lead Europe’s Digital Payment Transformation

Entelect helped Rabobank advance Europe’s transition to Wero, the new pan-European digital wallet and payment platform designed to replace fragmented national systems like iDEAL. The Entelect team supported core integration, development, and system optimisation to ensure secure, high-performance delivery.

Key elements of the solution include key-signing for transaction integrity, reconciliation frameworks for post-payment validation, and user profile creation flows that enable secure onboarding and authentication. With Entelect’s engineering expertise and high-energy delivery, Rabobank is helping establish a resilient, sovereign European payments ecosystem.

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Payments

Transaction Data

Every transaction is a data point – and a competitive advantage.

Too often, rich payment insights are trapped in silos, reducing transaction data to a compliance exercise rather than a growth driver. This leaves banks vulnerable to fraud risks, missed opportunities, and faster-moving competitors. Unlock the full benefit of ISO 20022 data flows, and detect threats earlier, personalise offers, and create integrated value for both retail and business customers.

At Entelect, we design platforms that turn everyday transactions into strategic intelligence, helping banks protect revenue, delight customers, and compete with confidence.

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Case Study: Utilising payment data with Standard Bank for rich insights

Standard Bank partnered with Entelect to transform their cross-border payments into a solution that unifies transaction data into a single asset, giving the bank richer insights into customer behaviour, revenue, and global corridor activity.

Entelect's teams were deeply invested in the project outcomes, and ensured a seamless delivery while introducing DataOps, MLOps, and Azure ML to scale on demand and strengthen predictive analytics. 

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Complex payment programmes delivered with craftsmanship, energy, and commitment.

Fraud, Risk and Regulation

Regulatory Compliance and Reporting

Regulatory pressure is only intensifying.

AML rules, sanctions lists, and tax reporting now span multiple jurisdictions–overwhelming compliance teams. Manual checks and fragmented standards slow responses, inflate costs, and expose banks to fines and reputational risk.

Entelect embeds AI into compliance workflows–automating monitoring, screening, and reporting at scale. Our intelligent data pipelines align with ISO standards, while machine learning cuts false positives in sanctions and KYC checks. The result: faster, auditable compliance that lowers cost, reduces exposure, and keeps banks ahead of regulatory change.

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Case Study: Tracking transactions from fraudulent businesses for Standard Bank

Standard Bank partnered with Entelect to build a machine learning solution that flags high-risk entities before they transact. The system now prevents fraudulent and illegal businesses from entering the payments flow, saving the bank millions in penalties each year. With added geospatial intelligence to detect suspicious hotspots, the solution strengthens compliance, protects reputation, and lowers risk exposure. This partnership demonstrates Entelect’s ability to tie its success to the client’s outcomes, delivering practical, long-term protection.

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Fraud, Risk and Regulation

Fraud Detection and Prevention

Fraud is outpacing old defences.

Card fraud, account takeovers, and wallet abuse threaten retail banks. Payment scams hit commercial clients, while wholesale institutions must monitor high-value transfers in real time. Rule-based systems overwhelm teams with false positives, frustrating customers while missing sophisticated attacks.

Entelect implements advanced, real-time fraud solutions such as dynamic risk scoring, pattern recognition, and behavioural analytics to spot anomalies and cut false positives. Our team can connect solutions across channels, cards, wallets, and payments, giving banks a unified threat view that protects customers and reputations without adding friction.

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Case Study: Modernising fraud detection with Capitec

Capitec partnered with Entelect to embed AI-driven fraud prevention, backed by AWS and modern mobile technologies. The solution enables real-time detection, step-up authentication, and geolocation checks, reducing risk exposure and strengthening compliance. As a result, Capitec now prevents fraud at scale, protecting its 24 million customers. Entelect’s close, present, hands-on teams ensured success from day one to delivery.

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Managing Risk

Risk is moving faster than legacy models can handle.

Volatile markets, global disruptions, and shifting credit profiles are straining traditional approaches. Retail banks must assess credit at scale, commercial players juggle counterparty and liquidity risks, and wholesale institutions need advanced stress testing for systemic exposures.

Predictive intelligence turns risk into strategy. Entelect implements AI-driven risk platforms that simulate thousands of scenarios, flag early warning signals, and enable dynamic risk-based pricing. From retail portfolios to wholesale trading books, our teams enable resilience, and give leaders a sharper view of emerging risks, transforming risk management into a competitive advantage.

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Case Study: Reimagining risk management with Standard Bank

Standard Bank partnered with Entelect to build a new Group Control Platform used by thousands of employees worldwide. The system consolidates risk data into a central warehouse and provides early warning indicators, enabling the bank to track, manage, and mitigate risk across departments and borders with greater accuracy and speed. Delivered by Entelect’s dedicated teams, the programme showcased a combination of scale and personal focus, helping uplift client capabilities for sustained resilience.

Fraud

Work with engineers who invest in your success, and protect your bank's reputation.

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Core Banking Modernisation

Modernisation

Modernisation has become a gamble.

Modernisation should drive progress, yet too often, it derails it. Complex dependencies, brittle integrations, and vendor lock-in turns transformation into a cycle of overruns and rework. The average banking modernisation runs three times over budget and time, leaving CIOs managing risk instead of real change.

We break that cycle. By decoupling safely, sequencing delivery intelligently, and embedding accountability from day one, we help banks modernise without the chaos. The result: measurable progress, predictable outcomes, and modernisation that finally moves your bank forward, not sideways.

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Case Study: Migrating 15 years' worth of Capitec data

Capitec partnered with Entelect to migrate 15 years’ worth of business-critical data from aging on-premise systems to AWS. With dedicated present teams involved every step of the way, more than 15,000 database objects were moved without disrupting daily operations, reducing risk and ensuring resilience. The new enterprise data lake now delivers reliable access, advanced analytics, and ongoing cost optimisation, giving Capitec a scalable foundation for future growth. 

Core Banking Modernisation

Decoupling Systems

Monoliths are strangling innovation.

Tightly coupled cores bind products, channels, and servicing, making even minor changes slow, risky, and costly. Delivery drags, integrations break, and innovation stalls, while fintechs ship new products in weeks. Without change, banks risk slipping further behind in speed and relevance.

Decoupling unlocks agility. Entelect architects composable, API-first platforms that decouple cores from customer products and journeys. Payments, lending, onboarding, and authorisation become modular building blocks–rapidly reassembled into new offerings. This flexibility accelerates launches, simplifies regulatory adaptation, and connects banks seamlessly across ecosystems–while preserving core stability.

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Enabling client-centric experiences through decoupling core banking systems at Standard Bank

To reduce dependence on rigid legacy systems, Standard Bank partnered with Entelect to decouple its core business banking platforms. Unlike GSIs who push risk back onto clients, Entelect tied its success to the bank’s outcomes – designing a flexible, configurable solution that gives business customers direct control over profiles, user roles, transaction limits, and franchise setups. The new platform accelerates delivery of tailored, client-centric experiences.

Bank

Elevate your banking transformation with people who care as much as you do.