Build and Run Digital Banking
Hyozan (氷山) means "Iceberg" in Japanese. 90% of effort, time and budget is hidden below the tip of the digital iceberg
Our mission: provide digital as an end-to-end managed service for consumer financial institutions.
We build, manage and enhance your processes and platforms around digital banking, acquisition, and servicing.
Hyozan Platforms for digital
Platforms for Digital Prospecting, Onboarding, Servicing & Engagement
Flexibly manage digital content
Hyozan's advanced banking content management platform enables build and maintainance of the best digital content across digital assets.
Advanced integrated analytics
Over and above commercial analytics tools, Hyozan provides integrated analytics capabilities that can provide you with insights into visitors, prospect probability, correlation of prelogin and postlogin behaviors as well as capability to build propensity models around conversion.
Lead nurturing CRM
Hyozan's advanced lead management CRM consolidates digital leads, and
provides a transparent and efficient process for customer service agents
to nurture and convert these leads.
Lead analytics and sales productivity analytics ensure maximum conversion
and sales efficiency.
Instant digital onboarding
Fully remote digital account opening for savings, deposits, credit cards, loans and more, with full KYC and account verification. Leverage the power of digital public infrastructure, AI, video interactions and the fintech ecosystem to drive account growth and customer satisfaction.
Hyozan process discipline for digital
Running a digital business efficiently and with compliance requires more than
just cutting edge platforms and features.
It is important to have the right process discipline with the correct checks
and balances across the organization.
Hyozan brings you the right set of processes to build a sustained digital presence,
and Hyozan staff operate your digital assets in adherence to these processes.
A few sample process overviews are highlighted below.
Process Framework
Hyozan process documents address
- Key risk areas
- Critical checkpoints to address risks
- Standard operating procedures
- Audit deliverables
Content Management Process
Ensure that digital content including websites, social media, digital marketing
as well as customer communications are managed with the right level of approvals
and reviews.
A common regulatory audit scenario is to restore archived as of a
historical point in time and also demonstrate that content was reviewed and approved
as per policy.
Customer contact process
Ensure adherence to privacy laws, customer preferences and prevent phishing and other fraud. It is also critical to appropriately handle scenarios where customer cannot be contacted due to invalid email / phone number etc.
Digital onboarding process
Ensure systematic adherence to regulations around KYC, Anti Money Laundering,
fraud prevention etc., while also having a consistent level of customer experience.
Also ensure reconciliation of financial flows for client account funding
or disbursements.
Complaint management
A customer complaint addressed correctly transforms the customer experience
and converts the customer into an advocate for the organization.
Hyozan customer complaint tracking process is integrated into the Hyozan CRM
and also tracked at the management level.
Cloud adoption policy
While cloud provides unmatched convenience, time to market and potential cost
savings, there are risks around security, data residency, cost control and
regulatory compliance.
Hyozan processes build a solid cloud management process from day one.
What makes Hyozan unique?
Regulated financial institutions choose Hyozan because of focus on Governance, Process and Agility.
Global Banking Experience
Hyozan founders have over 25 years of building and managing digital banking at world-class financial institutions, with deep exposure to technology, regulations and banking.
Process Discipline
Detailed auditable processes at a granular level are baked into Hyozan from day one.
Audit trails, control checkpoints and adherence to regulatory guidelines are
available to you.
Security
Hyozan processes and platforms are designed with enterprise grade security in mind, with full compliance to regulatory requirements as well as world-class financial institution level security.
Digital Operations Center
Hyozan operations staff provide dedicated 24x7 monitoring of the end-to-end digital stack. Any issues are spotted immediately and resolved within stringent SLA
Business Continuity Planning
Full business continuity planning coupled with regular drills are baked into Hyozan platforms and processes. Hyozan systems are architected with built in multiple redundancy and careful design to ensure no single point of failure.
Serverless Cloud
Serverless cloud infrastructure employed throughout Hyozan means that operating costs are minimized, while it is possible to spin up multiple testing and staging environments in a matter of minutes
Standards compliance
Hyozan processes and platforms are architected to comply with global and international standards such as PCI-DSS, GDPR, ISO 27001 as well as digital / payment guidelines issued by regulators such as MAS, CBUAE, RBI etc.
Contact Us
Drop us a mail at contact (at) hyozan.com
Follow us on LinkedIn
About Hyozan
Hyozan Solutions Pte Ltd (Singapore) has been founded with
a mission to provide Digital Banking as an end-to-end managed
service for consumer Banks and other small financial institutions
across South East Asia, India, Middle East and Africa.
Hyozan will build and maintain platforms around
Digital Acquisition, Digital Marketing and Digital Banking in the consumer
financial sector.
Hyozan will provide these as a fully managed service to
client organizations.