We Partner With Banks And
Financial Institutions.
What We Do
At TXN, we believe the financial sector plays a vital role in shaping inclusive, resilient economies. That’s why we partner with banks and financial institutions to drive meaningful transformation—combining deep industry insight with practical execution. Our focus is not just on operational excellence, but also on helping institutions contribute to broader economic and social progress.
Digital transformation is not just about technology—it’s about creating new values and competitive advantage in an increasingly digital world. At TXN Alliance, we guide financial institutions through the complexities of digital change, enabling them to rethink business models, upgrade legacy systems, and build digital-first cultures.
We help you:
Craft a future-ready digital vision aligned with your strategic goals
Modernize core banking and enterprise platforms to enhance flexibility and performance
Drive cultural change through digital capability building and change management
Integrate intelligent automation, APIs, and cloud solutions to streamline operations
Whether you're launching a neobank, revamping customer onboarding, or optimizing middle-office efficiency, we partner with you at every step—from strategy to execution.
Start your digital journey with confidence. Let TXN Alliance be your trusted transformation partner.
In an era of rapid digital disruption, legacy processes can hold back innovation and customer experience. TXN Alliance empowers Financial Institutions to reimagine their operations by simplifying workflows, reducing costs, and boosting agility through targeted Business Process Re-engineering (BPR).
We help clients:
Analyse current-state processes across departments
Identify inefficiencies, redundancies, and automation opportunities
Design future-state workflows aligned with business goals
Implement digital tools for seamless execution and monitoring
Whether it’s streamlining credit approval, accelerating KYC onboarding, or enhancing regulatory compliance, our BPR expertise ensures faster turnarounds and improved customer satisfaction.
Let’s re-engineer your processes to unlock true operational excellence.
At TXN Alliance, our strategic consulting practice helps Financial Institutions and fintech firms solve their most complex challenges with clarity, precision, and long-term impact. Whether you’re navigating industry disruption, evaluating new revenue streams, or reimagining your operating model, we provide the insights and execution support you need to lead with confidence.
We work with executive teams to:
Define transformation roadmaps aligned with business objectives
Identify and prioritize high-impact opportunities
Align organizational structure with strategy
Build capabilities for innovation and sustainable growth
Our deep domain knowledge across banking, digital lending, and financial services positions us to deliver tailored, actionable strategies that drive measurable outcomes.
Partner with us to transform your strategy into success.
In today’s digital-first world, customer expectations are higher than ever. Financial institutions must deliver seamless, intuitive, and personalized experiences across every channel—online, mobile, and in-branch.
At TXN Alliance, we help you reimagine the customer journey from end to end. Our customer experience (CX) tools are built around real user behaviour, advanced analytics, and innovative design thinking to drive engagement and satisfaction.
We enable you to:
Map and optimize omnichannel customer journeys
Enhance onboarding, self-service, and support processes
Leverage customer feedback to refine service delivery
Build trust and emotional connection through digital experiences
From frictionless account opening to AI-powered service personalization, we help you create moments that matter—and drive business growth.
Deliver the experience your customers expect—and deserve.
Data is more than numbers—it’s your most powerful asset. At TXN Alliance, we turn raw data into real-time insights that power smarter decisions, better customer experiences, and sustained competitive advantage.
Our data and analytics solutions help you:
Establish enterprise-wide data strategies and governance
Unify siloed data for a single source of truth
Use advanced analytics and AI to uncover trends and predict behaviour
Enable data-driven decisions across risk, compliance, marketing, and operations
Whether you’re a bank aiming to improve portfolio performance or a fintech scaling customer acquisition, we provide the tools, frameworks, and expertise to unlock your data’s full potential.
We don’t just analyse data—we activate it.
In an increasingly complex financial and regulatory ecosystem, we help institutions decode uncertainty and build resilient frameworks. Our consultancy equips banks, non-banking financial companies (NBFCs), and fintech innovators with tailored risk strategies that go beyond compliance—fueling sustainable growth and operational integrity
Our Expertise
Credit Risk Advisory
We design and refine credit risk frameworks to balance profitability with prudence:
Loan portfolio stress testing & early warning systems
Retail & corporate credit scoring models
Basel III & IFRS 9 compliance support
Credit underwriting and risk-based pricing strategies
Market Risk Solutions
We help institutions navigate volatile market dynamics with precision:
Value-at-risk (VaR) modeling and asset-liability management (ALM)
Interest rate & FX exposure analysis
Derivatives risk strategies and hedging optimization
Scenario analysis and regulatory reporting alignment
Compliance & Regulatory Risk
Future-proofing institutions against regulatory shocks and reputational risks:
End-to-end regulatory compliance audits
AML, KYC & fraud detection frameworks
Risk governance and internal controls setup
Regulatory change management & reporting automation
Who We Serve
We collaborate with:
Conventional & Islamic Banks navigating Basel, Shari’ah-compliant mandates, and digital transformation.
NBFCs seeking scalable credit and compliance risk frameworks under evolving local guidelines.
Technology Companies embedding AI-driven risk analytics and compliance modules into financial platforms.
Our Differentiators:
Deep understanding of regional and global regulatory frameworks (e.g., MAS, BNM, Central Bank of Oman/RBI/UAE/SAMBA, FATF)
Customized dashboards for real-time risk visualization
Integration-ready solutions for core banking and compliance systems
Proven expertise across retail, corporate, trade finance, and treasury functions
Sustainability is no longer optional—it’s a strategic imperative. Financial institutions are increasingly expected to lead the charge toward a more inclusive and climate-resilient future. TXN Alliance helps banks and NBFCs operationalize Environmental, Social, and Governance (ESG) goals and embed sustainability into core decision-making.
We enable you to:
Develop ESG-aligned lending and investment strategies
Create green finance frameworks in line with global best practices
Assess climate-related risks and opportunities across your portfolios
Implement data-driven ESG performance tracking
Enhance regulatory compliance (e.g., TCFD, EU taxonomy, Central Bank expectations)
With growing scrutiny from regulators, investors, and customers, sustainable finance is both a responsibility and an opportunity. We help you act decisively—and lead credibly.
Make sustainability part of your strategy, not just your story.
Digital consultants play a pivotal role in empowering banks to navigate their transformation journeys with precision and agility. From crafting robust RFIs and RFPs that align with strategic goals, to conducting detailed vendor evaluations and gap analyses, they ensure every step is driven by insight and innovation. Their expertise extends to steering new product development, orchestrating seamless project management across stakeholder touchpoints and ensuring rigorous testing for performance and compliance. By bridging strategy with execution, digital consultants help banks enhance customer experience, accelerate time-to-market, and future-proof their digital ecosystem
In an increasingly competitive and regulatory-driven financial landscape, banks require comprehensive product program guides that empower them to streamline operations, enhance risk management, and maximize market opportunities. Our specialized marketing consultancy enables financial institutions to develop structured, well-defined guides for wholesale banking products, ensuring clarity, compliance, and efficiency.
Our Expertise
We offer tailored consultancy services for creating strategic product program guides across core banking functions, including:
Trade & Supply Chain Finance – Structuring seamless financing frameworks that enhance working capital efficiency and optimize supplier relationships.
Cash & Liquidity Management – Crafting liquidity optimization strategies, integrating treasury solutions, and implementing real-time cash visibility tools.
Payments – Designing advanced payment structures, including SWIFT, RTGS, ACH, and instant payment solutions, while embedding fraud monitoring and compliance controls.
Treasury Back Office – Developing detailed operational guidelines for trade settlement, FX and derivatives management, collateral administration, and regulatory adherence.
Credit Policies & Procedures – Establishing structured risk assessment models, portfolio management guidelines, and lending frameworks to drive sustainable growth.
Financial Institutions Group (FIG) Products – Offering bespoke policies and operational manuals for correspondent banking, structured finance solutions, and regulatory compliance programs.
Operational Policies & Internal Controls – Formulating risk-mitigating procedures for reconciliation, transaction monitoring, AML/KYC compliance, and governance frameworks.
Why Partner with Us?
Industry Expertise: Deep knowledge of global banking practices, regulatory standards, and emerging trends.
Tailored Strategies: Bespoke program development aligned with your institution’s objectives and compliance requirements.
Efficiency & Compliance: Structured guides that enhance operational efficiency while meeting regulatory mandates.
Innovative Solutions: AI-driven insights, data analytics, and digital finance integrations to future-proof banking operations.
Whether you are refining existing programs or developing new product frameworks, our consultancy ensures your wholesale banking solutions are market-ready, compliant, and strategically positioned for success.
Let’s elevate your banking offerings—partner with us today!