Learn how Clayfin built an award-winning Corporate/SME platform for Bandhan Bank
An IBS Intelligence Case Study
Experience Platform
Elevate Your CX Journey
In today’s digital age, experiences count more than ever. Your digitally savvy, next-gen consumers want financial and banking solutions that provide them with the same easy experience and personalization that they receive from other consumer companies. This requires customer experience to be built in every swipe, tap or scroll—only possible with an omnichannel digital banking experience platform.
Banking Solutions
PFM
Clayfin’s PFM tool offers predictive insights, financial health, and social banking.
Khalil Al-Qattan
Head of Digital Transformation, Burgan Bank, Kuwait
"Our previous online platform and mobile app were limited in the features and the experience they offered. Hence, we partnered with Clayfin in order to revamp our customer journey as an enriched experience bringing added-value services to our customers."
Ashwin Kumar
CIO, Jana Small Finance Bank, India
"We believe the ‘Physital’ (physical touch with digital delivery) approach will pave the way for success. And Clayfin is playing a key role in making the digital delivery seamless across digital banking channels (internet and mobile) for Jana Small Finance Bank. In addition, feature like PFM enables us to have deeper engagement with our customers and become a key part of their future and life"
Sabbir Hossain
Chief Operating Officer, BRAC Bank, Bangladesh
"In Clayfin, we found a partner who was willing to walk the extra mile with us. Their adaptability contributed massively to this implementation, through which we will now be able to scale faster and continue to provide tangible value to our customers."
Future Tech
The Shift Towards Cashless Societies in Bangladesh
Building a Connected Financial Future in Bangladesh
READ MOREPayment Systems
Qatar’s Payment System Modernization: A Blueprint for Regional Progress
What’s driving Qatar’s payment systems to outpace its neighbours—vision, strategy, or sheer ambition?
READ MOREBlogs
Going beyond transactions and AI’s role in customer-centric banking
The emergence of AI-driven technologies is rewriting the playbook on customer engagement everywhere.
READ MOREGreen Banking
Funding a Greener Tomorrow: The Transformative Power of Green Finance
As climate change challenges the very fabric of our society, banks are uniquely positioned on the front lines of this transformation.
READ MOREDigital Banking
Digital Banking Innovations in 2025: How Banks in Middle East are Set to Accelerate
Against the backdrop of global economic uncertainty, Qatar’s banking sector is charting an impressive course!
READ MOREDigital Banking
How Qatar’s Banking Sector Is Thriving Amid Global Economic Change
Against the backdrop of global economic uncertainty, Qatar’s banking sector is charting an impressive course!
READ MOREDigital Banking
How Qatar’s Banking Sector Is Thriving Amid Global Economic Change
Against the backdrop of global economic uncertainty, Qatar’s banking sector is charting an impressive course!
READ MOREUPI
Convenience or Caution? Understanding the Impact of UPI on Indian Consumer Behaviour
For the modern Indian consumer, convenience is king. And UPI credit, with its promise of instant, hassle-free access to funds, has tapped into a need that traditional financial systems had long overlooked.
READ MOREBlogs
Beyond the Algorithm: How Banks Can Blend AI with Human Touch for Better Customer Experiences
Discover how banks can combine AI efficiency with human touch to offer seamless, personalized, and trust-driven customer experiences in the digital age.
READ MOREOman banking system
The Future of Mobile-Only Banks in Oman: Are Traditional Banks Ready to Disrupt the Market?
With a population that is increasingly tech-savvy and reliant on mobile devices, the shift from traditional banking methods to digital, mobile-first solutions seems inevitable in Oman.
READ MOREGen Z - budgeting
Gen Z has figured out budgeting – and it’s actually smart and loud!
I’ve been thinking a lot about how different managing money is for Gen Z. I mean, it’s not just about saving a few extra rupees here and there; it’s about making every financial decision count
READ MOREOpen Banking
Navigating Open Banking: Focusing on What's Real in an Era of Hype
In an era dominated by digital transformation, the buzz around open banking has reached a fever pitch.
READ MOREPersonal Finance
From Goals to Reality! How Spinach Helps Customers Save Better for a Brighter Tomorrow.
In today’s world, the pursuit of financial freedom has become increasingly significant and why shouldn't it!
READ MOREFinancial Inclusion
The Road to Financial Inclusion: India’s Progress and the Path Ahead
From the days when banking was a luxury for city dwellers to the present day, where even the most remote villages have access to financial services, the country has made remarkable strides.
READ MOREDigital Banking
The Story of How Interoperability is Turning Saudi Arabia's Digital Dream into a Reality
In Saudi Arabia, the banking sector is experiencing a quiet revolution. The reason? Interoperability—the ability for different financial systems and technologies to work together seamlessly.
READ MOREBlogs
How Oman is Welcoming a New Era of Financial Innovation with API Banking
The banking landscape in Oman, is witnessing a tremendous shift. This shift is mainly driven by Application Programming Interfaces (APIs), which are rapidly reshaping the traditional financial sector into a dynamic ecosystem beaming with innovation.
READ MOREDigital Banking
How is Multi-Bank Connectivity Breaking Down Barriers in Digital Banking?
Juggling multiple bank accounts with different logins and interfaces can be exhausting. Multi-bank connectivity simplifies this complexity, making cash flow management seamless.
READ MOREDigital Banking
Balancing Innovation and User Experience: How Banks Can Thrive in the Digital Era
Isn't it incredible how fast the world of Fintech and digital payments is evolving? With new technologies popping up seemingly every day, the financial landscape is shifting quicker than ever.
READ MOREPersonal Finance
How Account Aggregation is Changing the Game in Personal Finance
Digital transformation is no longer just a buzzword; it's a reality reshaping the banking sector. One of the most significant advancements in personal finance is the rise of account aggregation.
READ MOREData and Analytics
Don’t Just Wonder How They Interact. Enhance User Engagement with Channel Analytics
User engagement data is a goldmine for banks! Let's put ourselves in our customers' shoes for a minute.
READ MOREFuture Talk
What's Next for Vietnamese Fintech? A Must-Read Guide for Banks and Partners
In the bustling streets and the tranquil rice fields, a digital revolution is quietly shaping the landscape of Vietnam’s banking sector.
READ MORECustomer Experience
Turn Family Banking into a Personal Experience with Clayfin's PFM Solution – Spinach
Family banking has a broad set of definitions, with various sources suggesting different interpretations.
READ MOREOpen Banking
Role of Open Banking in Igniting a Robust Fintech Landscape in Oman
Open Banking is gaining traction globally and making significant strides in the Middle East, particularly in Oman.
READ MOREBuzz
Going Beyond Cash: The Digital Payment Boom in Saudi Arabia
In recent years, Saudi Arabia has witnessed a significant surge in digital payments, a trend that is profoundly transforming retail transactions.
READ MOREBuzz
Leveraging Personalised Insights for Enhanced Customer Engagement with Spinach
The impact of personalised nudges in banking is already evident. A study by the Financial Conduct Authority (FCA) in the UK found that personalised financial advice can improve financial outcomes for customers by up to 28%.
READ MOREBuzz
How Does PFM Improve Customers' Mental Health?
Today, 72% of adults admit to experiencing mental stress due to financial responsibilities. This statistic underscores the growing recognition of the link between effective financial management and mental wellness.
READ MOREReality Bytes
Paving the Way to a Digital Bangladesh: The Fintech Journey So Far
Bangladesh stands on the brink of a digital revolution, one that promises to redefine the financial landscape of this vibrant South Asian nation.
READ MOREFuture Tech
Kuwait’s Forward-Focused Approach to Digital Banking: An In-Depth Analysis
Kuwait’s banking sector has truly become a pioneer in adopting advanced technology, especially highlighted by its response to the COVID-19 pandemic.
READ MOREChannel Analytics
Optimising Omnichannel Experiences with the Power of Data and Channel Analytics
Amidst evolving customer demands, Middle Eastern banks are focusing on various key areas to elevate their services.
READ MORECurrent Tech
The Role of PFM in Transforming Digital Banking in the Middle East
A revolution is underway in the Middle East’s financial sector, characterized by dynamic shifts in consumer preferences and institutional practices.
READ MORECurrent Tech
Balancing Tradition and Innovation: The Middle East’s Leap towards AI-Driven Banking
Artificial Intelligence (AI) is a key factor in generating operational efficiencies and innovative customer service in the Middle Eastern banking industry.
READ MOREFuture Talk
Indian Banks On Generative AI for Financial Growth
Here’s a closer look at the state of financial institutions and Generative AI (Gen AI).
READ MORECurrent Tech
Open Finance: Traditional Banks' Gateway to Digital Transformation
Open finance is a game changer that can reimagine traditional banking with innovation and transformation. The idea may not be new to those in the industry, but its implications can drastically alter how the world handles money.
READ MORECurrent Tech
Leverage Spinach as the Next-Gen CDP
In this blog, we delve into understanding the drivers of digital transformation in rural Bangladesh and explore where it is headed.
READ MORECurrent Tech
How is digital banking innovation booming in rural Bangladesh?
In this blog, we delve into understanding the drivers of digital transformation in rural Bangladesh and explore where it is headed.
READ MOREOpen Banking
Surfing the Digital Dunes: Open Banking and Its Impact on Traditional Middle Eastern Banks
The Middle Eastern financial landscape is undergoing a major transformation, with institutions managing over $3 trillion in assets. This surge not only highlights the region's economic strength but also presents numerous opportunities for growth and development.
READ MOREReality Bytes
Banks in Bangladesh are going from traditional to trendsetting with m-banking
Over the past few years, Bangladesh's banking sector has seen great transformation. The advent of mobile banking has sparked a revolution, challenging traditions and presenting innovative opportunities.
READ MOREFuture Talk
Digital Banking Reinvented: Unleashing the Power of Gen AI in The Middle East
The Middle East (ME) is in the midst of an Industry 4.0 revolution, and digital transformation has been slowly making its way into the banking sector.
READ MOREBuzz
Why the mind matters: Debunking digital banking customer journey and what’s within
Right at this moment, there are probably thousands of articles online harmonising one resounding message: banks must pivot to focus on a customer-centric strategy or pay the price.
READ MORECurrent Tech
Dong Goes Digital: Understanding the Future of E-Payments in Vietnam
Vietnam is undergoing rapid economic development. Propelling this progress is the expanding banking sector, dominated by disruptors who are bringing about a transformation with digital banking capabilities.
READ MOREBuzz
Why are your customers looking for new banks? Decoding digital banking customer churn in Nepal
In this blog, you will explore why global banks, including Nepali banks, follow similar customer churn trends and how banks can nudge their customers to stay loyal and continue engaging with their digital banking platforms.
READ MOREBuzz
Byte by Byte: How is Bangladesh Digitally Transforming the Banking Sector
The Bangladesh Bank (BB) has recently taken a major step towards expanding financial access for everyone. After rolling out their "Guidelines to Establish a Digital Bank" on June 15, 2023, over 50 banks have already applied
READ MOREFuture Talk
Winning Women in MENA: Here’s How the Women in Finance Are Stirring Up a Revolution
As we inch towards the end of 2023, the financial landscape has tremendously changed. A McKinsey report discovered that women are expected to exert significant influence over a substantial portion of the $30 trillion
READ MOREReality Bytes
Giải pháp Quản Lý Tài Chính Cá Nhân (PFM) giúp bạn hiểu, kiểm soát, sử dụng tiền một cách thông minh và có mục tiêu.
Năm mới sắp đến. Bạn nghĩ có bao nhiêu khách hàng của bạn muốn mua ô tô vào năm 2024? Hoặc đóng kỳ trả góp đầu tiên cho căn nhà mơ ước của họ? Có thể chúng ta không chắc, nhưng điều chúng ta biết là khách hàng cần những thông tin hữu ích và công cụ quản lý cần thiết để giúp họ chi tiêu và tiết kiệm hiệu quả.
READ MOREFuture Talk
Conquering the peaks of digital banking in Nepal
Nepal's journey into the realm of digital banking mirrors the global trend – a steady climb followed by a sudden leap into the digital age.
READ MOREReality Bytes
Cents and Sensibility: Crafting Better Relationships with Money Through Personal Finance Management in Vietnam
Personal financial management (PFM) in the realm of digital banking has been an area of significant promise, and continuous transformation across the world.
READ MOREReality Bytes
Giải pháp Quản Lý Tài Chính Cá Nhân (PFM) giúp bạn hiểu, kiểm soát, sử dụng tiền một cách thông minh và có mục tiêu.
Quản Lý Tài Chính Cá Nhân (PFM) trong ngành ngân hàng số đang là một lĩnh vực hứa hẹn và liên tục thay đổi trên toàn cầu. Ban đầu, PFM chỉ được coi là một tính năng bổ sung đơn thuần cho dịch vụ ngân hàng.
READ MOREBlogs
Gen-Zers called; they want digital banking - And here’s how Vietnam is delivering
For banks in Vietnam, the main focus has to be to be innovative but obviously, that’s not the only thing on their plate. While they scope to climb high, they need a digital banking partner that tailors solutions that fit their client base.Transform your banking institution with innovative and personalised digital banking solutions from Clayfin.
READ MORECurrent Tech
What's next in banking: Digital technology's role in shaping Indian banking ecosystem
India's banking system is now experiencing a tidal wave of change that is reshaping the very bedrock of its financial landscape.
READ MORECurrent Tech
Leveraging A Product Approach To Scale Your Bank & Meet Growing Customer Needs
Choosing a product-based solution or platform-based solution plays a vital role for every business. The choice between product-based and platform-based solutions in banking.
READ MOREReality Bytes
From exclusion to empowerment: Driving digital financial inclusion in developing economies
COVID-19 significantly promoted financial inclusion. However, the World Bank reports that more than 1.4 billion adults worldwide remain unbanked. This is due to the presence of a level of inequality in accessing financial services now more than ever.
READ MOREDigital Banking
Imagining a Cashless Utopia: A New Era for Digital Banks in Bangladesh
Despite the ongoing global digital transformation, where smartphones have become increasingly accessible to a larger population, Bangladesh remains significantly behind in embracing this digital shift.
READ MOREReality Bytes
Making Waves or Barely Staying Afloat? Accelerating Digital Transformation Retail Banking
In the ever-changing landscape of retail banking, a major transformation is underway! This digital wave is reshaping banking as we know it.
READ MOREFuture Talk
Surfing the Sand Dunes of Digital Finance: The Future of Saudi Arabia’s Digital Banking
In the digital banking world, Saudi Arabia was never considered a forerunner in embracing digital transformation compared to its other global counterparts. That is, until now!
READ MOREFuture Talk
Traditional Banking with a Modern Twist: Surviving the Neobanking Wave - Part II
How can a time-tested traditional bank survive the new wave of Neobanks? The story is as old as time: as new ideas and technologies dawn, the old order scatters to thrive.
READ MOREFuture Talk
Neo-Banks: A Disruptive Force or A Threat to Traditional Banks? - Part I
Neobanks have set the stage for a pivotal shift in banking. By operating solely online, they bid farewell to conventional brick-and-mortar branches, while also meeting the special needs of specific segments like millennials, Gen-Zs, and up-and-coming SMEs.
READ MORECustomer Experience
Empowering The Boomers: The Importance of Senior-Friendly Digital Banking
Digitisation primarily targets Generation Z and Millennials due to their strong inclination towards online activities. However, a significant and untapped market for banks is senior citizens, who often get overlooked.
READ MOREBanking
To Build Or To Buy? Why Buying Your Solutions Is The Right Decision To Make
Businesses are faced with choices every day. With every choice they make, some consequences follow. When investing in IT infrastructure, enterprises have two basic options: building or buying.
READ MOREBlogs
Envisaging A Digital-First Bangladesh With Binimoy Interoperable Transaction Digital Platform (IDTP)
Interoperability has revolutionised banking for good. So much of our everyday life depends on computers' ability to exchange and effectively use the information available.
READ MOREBlogs
Ways Digital Banking Can Transform Customer Experience in The Middle East
Digital banking has simplified many things for customers in the Middle East. Find out how digital banking can transform customer experience in ME.
READ MOREBlogs
Fostering Middle East’s Digital Commerce Boom With Transformational Digital Banking
Vietnam is one of the fastest growing countries with a strong potential for rapid digital economic development. This was, however, not an overnight feat. The Department of Digital Economy and Digital Society set things in motion with several initiatives to digitally transform the country
READ MOREBlogs
Nâng cao Tương tác Khách hàng của Việt Nam với các Giải pháp Ngân hàng Thông minh
Việt Nam là một trong những quốc gia có tốc độ tăng trưởng nhanh nhất và tiềm năng phát triển kinh tế số nhanh chóng. Tuy nhiên, đây không phải là thành tựu dđạt được qua một đêm. Cục Kinh tế – Xã hội số đã khởi động một số sáng kiến để biến đổi số hóa đất nước
READ MOREBlogs
Top Digital Banking Trends To Look Out For In 2023
The need for a digital revolution in the banking sector was always apparent. However, the last decade saw tremendous growth in digital banking. Then the pandemic happened, and it only nudged the digital revolution further. While it has been interesting to witness the change so far, with the new year upon us, banks need to brace themselves and prepare for trends that will define the digitalisation of the banking space in 2023.
READ MOREBlogs
Reimagining customer engagement by leveraging AI/ML in digital banking
Evolving technology means growing demands from customers. They begin expecting tools that are intuitive, seamless, and fast. Incidentally, these tools help banks advance by hitting their ideal customer engagement target.
READ MOREBlogs
Top Eight Features Corporate Customers Look For In Their Banking App
Today, people enjoy the opportunity to do business and complete payments at home or on the go, also known as mobile banking. With multiple levels of digital transformation, corporate banking is expected to reinvent its identity altogether.
READ MOREBlogs
Personal Financial Management - How Next-Gen Banking Solution Is A Boon For Both Banks & Customers
PFM tools are no longer a mere add-on in the banking industry. Due to market conditions that are constantly changing. Customers are increasingly demanding new features.
READ MOREBlogs
How does digital banking support green banking?
We've been discussing how banking has changed over time, how far we've come, important digital trends that have replaced retail banking, and future developments in banking for a while now. We speculate and take part in the discourse.
READ MOREBlogs
SME Digital Banking Guide: All You Need To Know
A global Accenture study that surveyed more than 2000 SMEs across 10 markets reveals how SMEs are more than willing to embrace modern digital platforms
READ MOREBlogs
The Compelling Case For Digitization In NBFCs
If these affirming messages on Non-Banking Financial Companies (NBFCs) websites don’t encourage you to whip out your business loan application, perhaps the convenience and ease of banking with them will.
READ MOREBlogs
Digital Transformation: A Step Toward Sustainability For Banks and Financial Institutions In Bangladesh - Part 2
Bangladesh Bank released the "Sustainability Rating 2021”, and it offers an interesting perspective on how dynamic the changes within the financial services space are in the country. Here’s some obvious proof.
READ MOREBlogs
Digital Revolution in the Bangladesh Financial Market - Part 1
Digital disruption has been a key driver of Bangladesh’s growth, development, and unwavering resilience. Read more about the growth trajectory that has been defining the country’s digital narrative within the financial and banking services space.
READ MOREBlogs
Part 2: Drivers of Change in Next Gen Banking: Why Retail Banks Need Digital Transformation to Survive
Leveraging AI in the financial sector has become almost mandatory. However, banks face many challenges in this regard. Here are few hurdles that the banking sector must overcome before reaping the full benefit of AI
READ MOREBlogs
Part 1: Drivers of Change in Next Gen Retail Banking
AI-powered digitisation is a key growth tenet in the financial services industry. Here is Part 1 of the blog that explores the digital disruptors in today’s banking sector.
READ MOREBlogs
Noteworthy banking CX transformations in ME in the recent past
Customer experience is the competitive differentiator in the Middle East banking industry today. Read this blog to understand the recent changes in the financial services industry of the ME.
READ MORECustomer Experience
QR Codes: Consumer-driven innovation for a contactless banking experience
With an uptick in the number of smartphone users, payments through a QR code have become a massive hit among consumers everywhere. Read on to know how QR Codes driver for a contactless banking experience.
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