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Intervalle Technologies
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Business Unit · Banking Solutions

Transforming banking: digitising the banking journey.

We digitise and automate the entire banking journey — customer onboarding, operations, payments, credit, collections — and continuously improve it through data.

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The banking journey, powered by data
1 2 3 4 5 6 Onboarding Core Banking Payments Credit Collections Experience DATA
Certified assessor
PCI DSS QSA SWIFT CSP
End to end

A complete journey

From customer onboarding to collections, a digitised, automated banking chain with no gaps.

Intelligence

Data, Automation & AI

Intelligent solutions, powered by data and AI for maximum efficiency.

Trust

Security & Compliance

Solutions compliant with regulatory requirements. Intervalle is a certified PCI QSA and SWIFT CSP assessor.

Our solutions · the banking journey

Six stages, one shared data core.

Six stages of the customer lifecycle — from onboarding to collections and improving customer experience — built on a cross-cutting automation and data core that connects them and improves them continuously.

Automation, Data & AI — cross-cutting core
01 · Acquire

Onboard customers, fully digital

From the first interaction to account opening: a smooth, compliant onboarding, for retail and corporate alike.

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Digital Onboarding

  • eKYC & facial recognition
  • Document verification & sharing
  • Retail & corporate onboarding
  • Electronic signature

Trade finance & domiciliation

  • Income & salary domiciliation
  • Mandate management
  • Approval workflows
  • Tracking & reporting
02 · Operate

The core of the banking system

Accounts, products, cards, accounting and treasury on the Infosys Finacle suite, implemented and operated by our teams.

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Accounts & products

  • Account opening & management
  • Product management (savings, deposits…)
  • Card issuing & management
  • Accounting management

Treasury & operations

  • Cash management
  • Operations & back-office
  • Configuration & migration
  • Core optimisation & hardening
03 · Pay

Collect and pay, everywhere

Secure, compliant payment journeys: e-wallet, mobile banking and card switch.

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Mobile payments & wallet

  • E-wallet
  • Mobile banking & payments
  • Biometric authentication
  • Transfers & QR payments

Card switch

  • Payment switch
  • Card management & routing
  • Authorisation & clearing
  • PCI DSS compliance
04 · Finance

Credit and risk, end to end

Two dimensions mastered: credit risk across the loan lifecycle, and balance-sheet risk (ALM, capital) steered at bank level.

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Credit lifecycle — credit risk

  • Application & document sharing
  • KYC & PEP screening
  • Credit scoring & approval decision
  • Disbursement & repayment tracking

Risk management — balance-sheet risk

  • ALM — asset-liability management
  • Capital forecasting & capital adequacy
  • Stress tests & VaR
  • Regulatory reporting (Basel)
05 · Recover

Recover, then manage disputes

When a payment defaults, our solution automates the collections process — through to litigation management where needed.

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Debt collection

  • Segmentation & dunning strategies
  • Automated dunning workflows
  • Multichannel amicable scenarios
  • Payment-promise tracking

Litigation & disputes

  • Escalation to litigation
  • Legal case management
  • Traceability & reporting
  • Recovery-rate steering
06 · Retain

Retain and personalise, through data

Data and automation in the service of the relationship: anticipate churn risk and deliver hyper-personalised experiences that lift satisfaction and revenue.

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Retention & anticipation

  • Proactive churn detection
  • Behavioural scoring
  • Next best action & alerts
  • Automated retention journeys

Personalisation & revenue

  • Personalised offers & services
  • Contextual recommendations
  • Targeted cross-sell & up-sell
  • Satisfaction measurement (NPS)
Our software, built by Intervalle

Our solutions, built for banks.

Beyond integration, we build our own banking software — deployed, maintained and operated for you. Our flagship platform: BAINC, dedicated to debt collection and litigation.

Flagship platform

BAINC — Debt Collection & Litigation

Our platform for managing debt collection and litigation, from amicable dunning through to legal recourse — automated, traceable and steered.

Module 1 · CollectionAutomated amicable collection: segmentation, multichannel dunning, tracking.
Module 2 · Litigation & disputesTakes over when amicable recovery fails, through to legal recourse.
Explore the BAINC platform →
BAINC · Collection — Dashboard Recovery rate 78% Active cases 1 240 Promises kept 312 Monthly collection Amicable / Litigation 70% amicable
Onboarding

Digital Onboarding

eKYC, facial recognition and document sharing — retail & corporate onboarding.

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Trade finance

Trade finance & domiciliation

Income domiciliation, mandate management and approval workflows.

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Banking use cases

Where automation & data create value.

Concrete use cases, area by area. Pick an area to display the related use cases.

  • Account openingSpeed up onboarding with automated collection and verification of information and supporting documents.
  • KYC & compliance checksAutomate regulatory checks, file updates and the tracking of expired documents.
  • Identity verificationAuthenticate ID documents and detect document fraud automatically.
  • Screening & sanctions listsAutomatically screen new customers against PEP and sanctions lists.
  • Document managementCentralise, classify and retrieve customer documents automatically to simplify processing.
  • Credit application processingAutomate document collection, document analysis and application tracking to cut processing times.
  • Scoring & decision supportAssess risk and pre-decide approval from the application data.
  • Repayment & arrears trackingMonitor repayments and trigger actions at the right moment.
  • Debt collectionAutomate dunning, arrears tracking and case prioritisation to boost team efficiency.
  • Dispute managementCentralise claims, analyse supporting documents and track each case to resolution.
  • Operations processingAutomate repetitive tasks and workflows to cut delays and operational errors.
  • Reconciliation & controlsAutomatically compare data across systems and quickly spot discrepancies.
  • Closings & accounting cut-offsAutomate closing tasks and make periodic cut-offs reliable.
  • Flow & transfer trackingOrchestrate and trace transfers, direct debits and interbank operations.
  • Exception handlingDetect anomalies and route complex cases to the right teams.
  • Transaction monitoringAutomatically flag unusual transactions that require review.
  • Anti-money laundering (AML-CFT)Monitor transactions and streamline the generation of suspicious activity reports.
  • Regulatory controlsAutomate compliance checks and prepare audits more easily.
  • Regulatory reportingAutomatically prepare and validate your regulatory returns.
  • Anomaly detectionUse data and AI to spot operational risks and atypical behaviour.
  • Customer request handlingClassify, prioritise and assist the handling of emails, forms and support requests.
  • Smart request routingRoute each request to the right team automatically.
  • AI assistant for staffGive instant access to procedures, documentation and business answers.
  • Automated summaries & draftingGenerate minutes, case summaries and letters in seconds.
  • Satisfaction analysisMeasure customer sentiment from interactions and surface weak signals.
  • Business dashboardsTrack your key indicators with reliable, up-to-date dashboards.
  • 360° customer viewBring customer data together for a complete view and easier decision-making.
  • Data quality & governanceCleanse, deduplicate and trace your banking data.
  • Predictive analyticsAnticipate churn, risks and sales opportunities with models.
  • Reporting & decision supportAutomate reporting and leverage data to improve business steering.
Our partners

Benchmark partners.

Infosys Finacle partner for core banking, and Moody's for risk management.

Infosys Finacle Moody's

Trusted by

Frequently asked questions

Yes, we are an Infosys Finacle partner and work on the implementation, migration and optimisation of your core banking, across all modules.

Yes — Digital Onboarding, Debt Collection & Litigation and Bank Domiciliation are our proprietary solutions, deployed and operated on a recurring basis.

From application (KYC, PEP screening, document sharing) to credit scoring, approval, then repayment tracking and collections — every step is tooled and automated.

Our Business Solutions building blocks (automation, data governance, BI) leverage banking data to streamline back-offices and continuously improve customer experience.

Ready to modernise your bank?

From core banking to collections, let's discuss your customer journey and the quickest wins. Leave us your details and an expert will get back to you.