This is our service offerings for BFSI industry. We offer AI based intelligent services for the various banking sector needs like intelligent front office and back office.

1. Nov 30 2018
Service Catalogue for Banking and Financial Industry
Bhadale IT Developers Pvt. Ltd | Bhadale Real Estate Developers Pvt. Ltd (registration due)
Plot No. 52, Hindwadi, Belgaum, KA, India | Mobile: +91- 9741040195 | Website: TBD

2. Service Catalogue for Banking and Financial Industry Bhadale Group of Companies
Bhadale Group of Companies
Bhadale Group of Companies consists of Bhadale IT Developers Pvt. Ltd and Bhadale Real Estate Developers Pvt Ltd.
1. Bhadale IT Developers Pvt. Ltd is an IT and Computer Engineering company
This company provides consultation in areas of cutting edge technologies, research outsourcing, and
software consultation related to data center and related engineering practices
2. Bhadale Real Estate Developers Pvt. Ltd is a Real estate company
This company provides development of Infrastructure for IT Datacenter and allied sectors. It manages
the engineering design, landscaping, civil architecture, presently serving internal projects.
Bhadale Group of Companies has aggressive programs in place to serve the niche market.
Bhadale IT Developers Pvt. Ltd Programs and Services
IT Division programs
1 Cloud Architecture
2 AI
3 Digital
4 Automation
5 R&D services
6 Engineering services
7 Mentoring Services
8 Data center services
9 Outsourcing
There are various services offered under each program, details are described below
IT Division program related services
Cloud Architecture
 Cloud Enterprise Architecture
 Cloud Business Architecture
 Cloud Information / Website data Architecture
 Cloud Solution Architecture
 Data center Virtualization and Cloud services ( IaaS)
 Cloud Technical Architecture – Project specific
 Cloud ERP Solutions ( SaaS, PaaS)
 Cloud Strategy and Transformation
 Cloud Systems Integration and consolidation
 Cloud Project Management
 Cloud Pre sales support
 Business Needs ( RFI/RFQ/RFP assistance)
 Cloud Quality Initiatives

3. Service Catalogue for Banking and Financial Industry Bhadale Group of Companies
 Cloud Business Analysis
 Cloud Infrastructure Planning – hardware , network, storage , backup ( IaaS, PaaS)
 Cloud business portfolio assessment services ( workshops)
AI
 Artificial intelligence and advanced machine learning
 Intelligent applications, Intelligent things
 Conversational systems
 Mesh app and service architecture
 Adaptive security architecture
Digital
 Virtual reality and augmented reality: Brief capability, deliverables and service offering
 Digital twins
 Blockchains and distributed ledgers
 Digital technology platforms
Automation
 Robotic Process Automation
 IoT
 Manufacturing robots
 BPO call center robots
 Chatbots
 Remote workers
 Hazarders jobs robots( Mine bombs, nuclear waste, underwater, space etc)
R&D services
 PHD mentor, buddy
 BPO - Outsourced work in areas of research areas related to IT and Computer Engineering
Engineering services (Only Engg)
 Engineering services for Data centers
 Engineering services for IT Departments
 Engineering architectures, drawings, road ways, town house planning, parking, safety, outdoor maintenance,
lighting etc
 All other aspects of engineering: Civil, electrical, water and sewage, safety and mechanical motors, pumps,
refrigeration, cooling
Mentoring Services
 IT Mentoring
 Engineering Mentoring
 Business Mentoring
 Mentoring for specials categories based on age, and disabled
 Mentoring for special professionals like Military and Govt. officials under Govt. Programs

4. Service Catalogue for Banking and Financial Industry Bhadale Group of Companies
Data center services (Engg + IT)
 Data center Engineering services
 Data Center IT Services
 Data center Security services
 Data Center QA services
 Datacenter Cloud services
 Datacenter compliances services
 Data center based business solutions
Outsourcing
 Insourcing
 Outsourcing
 Near sourcing
 Cloud sourcing
 BPO services
 IT specific services
 Engineering specific services
 Training specific services

5. Service Catalogue for Banking and Financial Industry Bhadale Group of Companies
Service details for Bhadale IT Developers Pvt. Ltd (Industrial Solutions)
IT + Engineering Division programs – for Banking and Financial Industry
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Banking and Financial Industry plays a major role in the investments, economic development, exports and revenue
generation and management of a country, and offers immense amounts of services to industrial complexes and end
clients. This industry has helped the Government and investors an opportunity to invest and reap rich returns from
various projects across the globe. Careful planning, approach and use of right manpower will surely help all in making
best use of the banking methodologies, processes and offerings to niche market segments from various walks of life.
We, at Bhadale group have a range of offerings to help clients in making best use of our knowledge, expertise, and skill
sets in applying modern techniques, tools and engineering equipments and IT products. Please find below the
summarized solution offerings and how we plan to help you. We will pick a range of offerings from our other services
and offer the best package to meet the needs of the Banking and Financial Industry.
Common issues:
1. Not so great Virtual assistants that help clients in self entry for smart contracts, buying loans and credits
2. Not so matured localization for integrated legal, ethics and compliance polices
3. Hi risks of fraud, money laundering and theft in digital era, making banking the highest vulnerable system
4. Lack of intelligent monitoring, verifications and fraudulent transactions using hacked mobile and emails
5. Lack of real time feedbacks/agreements, and effective rollback of transactions after complaint from bank clients
across the globe leading to frustrated clients and bad reputation of bank
6. Lack of data storage for assessing the footprints of the hackers and grabbing their real ID (hidden under proxies)
and details to raise alarm and inform police of the exact hacker
7. Lack of fuzzy logic and cognitive intelligence that use NLP feeds for alternative ways of banking, trade and
commerce;, even though phone banking exists it is not smart
8. Plenty of hacking vulnerabilities, non- real time visuals across various critical points like remote ATMs
9. Lack of effective, intelligent Auto- teller systems, money vending machines and ATM card machines
10. Lack of effective, intelligent ERP system that does not allow regional officers to be informed even after banking
hours in real time
11. Lack of personalization, customization, self-service portal based on intelligence and adaptive security

6. Service Catalogue for Banking and Financial Industry Bhadale Group of Companies
12. Lack of distributed computing, intelligence and communications of data effectively
13. Lack of integrated intelligence among various banking business infrastructures
14. Lack of knowledge, intelligence and maturity between service-tiers and enterprise departments
15. Lack of a cohesive, technology, vendor agnostic command and control system
16. Lack of cross-country interfacing and intelligence especially for MNC firms that need live transactions and need
humans to verify these
17. Not truly global financial institutes that lack integrity and confidence that its remote users are truly identified
verified and able to transact internationally without special account setups, VPN or other ways to transact
18. Not an international player service provider as they don’t serve international clients who are mobile, agile and
need money through various channels and in time say 10 minutes of request.
19. Lack of insights for offering higher dynamic credit limits, line of trading credits, and more time spent in
retrieving data for approvals
20. Manual settlements for forex rates, limits of trading window, swapping, and loss due to market manipulations
Solutions to common issues:
1. Leverage modern technologies like AI/ ML, Block chain and Cloud based services, security
2. Use predictive analytics to offer clients with their history, risks and possible future savings, investments
3. Offer clients with self-management portals that is intelligent and guides clients build their portfolios
4. Offer trading accounts that has BI services to trade wisely and avoid losses
5. Continuously build robust intelligent internal services/projects that can later on be moved to market
6. Offer newer ways of handling, storing and managing big data that retains the MDM concepts along with
suitable Datasets that meet Banking formats (IFX, SWIFT, EU formats, EDI, Bitcoin)
7. Deploy staged security mechanism like use of Biometric, 2 step verifications, voice recognitions, iris based
verification wherever possible
8. Offer “Total Banking solutions” to meet clients needs of raising capital, lending funds, savings, assets backed
loans, stock market intelligence and proactive assistance using Virtual Assistants, Automated Teller machine
9. Offer “Truly international experience” by way of cross selling Travel cards, Health Insurance, Govt savings like
SIN/SSN based standard deductions, Mobile SIMs, and many other facilities that help client trade easily in an
international market
10. Loyalty programs and frequent shoppers discounts based on AI recommendation engine
11. Assist financing to the high risk segments by using AI based true facts analysis and repayment capacity
12. Take more risks by being part of start- up ventures , and fund the micro business backed by Govt schemes that
allow AI based suggestions for tolerance of losses that can be offset for several years
13. Use of Augmented and Virtual reality to showcase and explain to clients the possible “What-If” situations and
outcomes based on their karma and history of financial matters
14. Offering a Tiered-service offering layers like Back Office as a Service and cross- divisions having more
autonomous features that will have less admin tasks and dependency on human error will be reduced
15. Great UX ( with separation of concern), for all staff and client will ease the pain and memory required by staff to
do Calculator based demos to clients
16. Tie-ups with external service providers for Intelligent non-core services like Payroll processing, Retirement
pension management, Share trading to enable clients and service providers to obtain and offer services in one
place
17. Use of Bitcoin , Shared Ledgers across systems, divisions and trusted third parties that can rely and take actions
as required for the services

7. Service Catalogue for Banking and Financial Industry Bhadale Group of Companies
18. Real time settlements for forex rates, limits of trading window, swapping, and avoiding loss due to market
manipulations
19. Real time detection in non compliance and illegal data sharing that break rules like GDPR
20. Proactive services that run in background and help reduce booking, annual audits and more paper work
21. Offer Insurances based on actual needs and not One size fit all bucket, AI based analysis and recommendation
22. Offer AI based analysis to know of the Insurance claims are real or fraudulent
23. Reduce paper work and underwriting by using AI based automation
24. Offer AI for Point of Sale and remote ATM transactions decisions based on actual person images, voice etc to
avoid fraud and thefts
25. Offer AI suggested alternate solutions for Non-performing assets to increase repayment or utility in an ethical
manner
26. Help Bankers to invest in big firms using AI analysis and predictor engine to ensure risks are low to moderate
Background:
The Banking and Financial industry hosts systems that can be broadly classified as below
Front Office, Mid Office, and Back Office with various sub systems that are part of these broad categories.
Front office includes mainly client specific functions like sales, marketing, insurance agents’ interactions, wealth
managers, portfolio managers, Verification officers and on boarding process for various customers activities like
Account openings (Saving, Current Demat, Investments, Stocks etc), Over the Counter (OTC) transactions,
acceptance of proofs, IDs, tax related activities, handover of service requested documents like pension slips, Tax
statements etc. It also includes various other channel interactions, remotely administered and verified using various
channels.
Mid office includes activities for handling and forwarding the accepted / collected documents, proofs after initial
due diligence to the Back office if required for further processing, saving and record keeping. This stage also offers
an opportunity for the officers to verify the real purpose, and any issues/comments can be raised at this stage,
usually that can aid the back office to make quicker decisions. Mid office normalizes or does additional data entry to
ensure Back office is able to process the service. It also acts as an intermediate point to return non valid or formats
that are not acceptable or unable to process data that might pose risk at various other points
Back office includes the actual and final processing of the records, data or fulfillment of services by looking at all
possible records and data to ensure prompt and quick response. Many of these transactions are final and are usually
committed to the database on a long term basis and that needs client’s re-approval for making any change requests.
Possible intensive data operations, which include large number of parallel operations, happen here typically using a
mainframe server for payroll processing.
Please find below our solution offerings. You will find our services are based on our expertise and we offer
interdisciplinary services including IT, Engineering and Management. We have professional engineers and IT
professionals who will take care of your requirements with utmost care, ethical ways and will advise you on our best
possible manner.

8. Service Catalogue for Banking and Financial Industry Bhadale Group of Companies
Solution Details
Service
No
Service Name Services offered
1 Front office offerings Migration to Intelligent Cloud Digital platform based front office services,
modernizing the UX, rich GUI, dynamics, intelligent gadgets, validations and micro
services based distributed computing hosted in containers and virtualized as per
needs of the target device. Relevant integration to charts, intelligent agents, virtual
assistants, Real time data analysis (edge computing),verifications, and adaptive
security features for SSO, end point secure transaction, secure session data
deletion, retry for maintaining ACID properties, and alerts for any suspicious
activities happening at the front office layer. We assist you in moving from manual
repetitive tasks to automation of several repetitive tasks (mainly data entry) , voice
commands, NLP feeds based operations with hands-free and gadgets for biometric
verifications inbuilt to the screen or with minimum external hardware requirements
We help you in also rationalizing the business models, process models, server
platforms and apps that need mini foot prints and workability across various form
factors and device sizes. We design develop and integrate various AI based
recommendation engines, intelligent filtering, intelligent error messages,
intelligent responses and call forwarding interfaces to cloud and hosting platforms.
We offer various security and testing of the developed code and deployment
strategies for the front end assets that help clients best uninterrupted UX
We have served global clients in their projects / technology vision and adoption to
AI based cloud platforms. We have served for concepts / case studies related to
virtual assistants, Treasury cash management, Online forex, Traveler’s portal and
B2B portals, Hospitality portals that have used BI and AI to offer customized
solutions.
2 Mid office offerings Migration to Intelligent Cloud Digital platform based on Mid office service tier
offerings, use of elaborate processing of various data types by using big data
platforms for NLP feeds, voice, video, paper, digital records, multimedia, library files
and various datasets as prevailing to the financial world. Digitization based on
various standards and frameworks like IFX, EDI, XML, Cloud formats-JavaScript,
backend scripts, ER models, and use of inference and expert system feeds like that
from IBM Watson all lead to the elaborate analysis of the purpose of the service.
Alignment to the back office processes, role management, access management to
prevent internal theft/ inside trading and pre-processing the data for allocating and
forwarding to the back office. We offer standardizing and normalization of data,
processes while retaining the facts that will enable back office staff or agents to
fulfill the service. Integration services to front and back end offers a plug and play

9. Service Catalogue for Banking and Financial Industry Bhadale Group of Companies
experience that can be used in either centralized or distributed computing models
We will optimize mid office layer and can rationalize and merged with front office
or back office features for best performance. Suitable logical components, AI
frameworks, inference engines, expert system feeds and backup operations all are
managed in this tier. Use of optimized memory, CPU utilization and hibernation
features with suitable GUI for various roles to perform operations on this tier are
offered. Intelligent routing, Intelligent detection of erroneous data and Intelligent
automation based on RPA / intelligent gateways offer a great relief in managing
the complexity and processes (background, frontend, long and short term). We
offer mid office backups and redundancy paths that help intelligent routing of
traffic in case of failures and avoids single point of failure. We offer tiered database
systems and intelligent failure mechanism that ensure all data is fail-proof for
transient conditions and roll backs of operations for unfulfilled transactions.
We have offered rationalization and integration of mid tier layer by way of using
latest entity – relationship mapping, normalization, de-normalized databases for
storage of long term assets and ledger details and cached content for quick
retrieval to and from NoSQL based data warehouse.
3 Back office offerings Migration to Intelligent Cloud Digital platform by using suitable back office
products, containers, cloud storages and services that help mid office calls to be
delivered as per the service tier, QoS and urgency. Typically NoSQL type of data
storage of large volumes of data, hi security and hi availability and long term
persistence are features of this tier are offered. We offer Big data frameworks;
Hadoop based clusters/ Kubernetes/ Azure gateways, integration data that are fed
from various channels from mid tier and process Tera-bytes of data in parallel
subject to facts, local rules, service-terms and assurance to deliver the required data
as per the contract.
We offer AI based services that will perform intelligent scans (based on best
possible algorithms time-space), mine and find patterns for any anomalies, detect
fraud, and any abnormal transactions that help retain the finding in data
warehouse. Our services will offer top performing intelligent algorithms, products
that help in intelligent trading, intelligent investments, and intelligent report
generation for auditors, inspectors and bank manager. This tier has data intensive
operations and features are high availability, high scalability digital cloud platform.
We offer engineering solutions that meet quality standards and international
performance benchmarks
We have helped clients to speed up their back office operations by analysis the
space-time complexity of algorithms, offered tier memory processing and hyper
scale data center design that has led to many fold improvements in the processing
of the big data

10. Service Catalogue for Banking and Financial Industry Bhadale Group of Companies
4 Intelligent apps
offering
Intelligent Cloud Digital platform based apps design, development for chatbots,
virtual assistants and teller machines. Use of AI /ML,NLP algorithms to effectively
gather, mine and infer the real intentions of the user and offering quick and
relevant information. Integration of intelligent datasets with ERP, CRM and other
departmental services using banking schemas like IFX Dataset. We offer integration
with existing apps and develop new apps based on banking Industry, country
specific guidelines like GDPR, BAIN, and Basel. Intelligence will be part of the system
that has intelligence inbuilt to hardware, software, network and hacker-proof
verifications. Suitable intelligent behaviors and logic based engines will be
developed to ensure the data pipelines are smart and have human –like logical
features. Intelligent logging and reporting to concerned staff will be part of the
enterprise offering.
The intelligent apps will be deployed and available at various stores like Google
store, or internal corporate stores. We tailor make the apps as per the security
needs and ethics for data collection and data storage of the end user for their public
or private based transactions. We will offer edge intelligence to the apps that will
ensure all transactions, logins and activities done are logged, reported in
background and stop operations when suspicious transaction is detected. This helps
the safety of the bank records and assets.
We have offered vision document to a Telco operator in Canada that helped the
firm from inside theft and eliminated fraudulent transfer of funds by use of a proxy
5 Data center services –
Engineering
We offer engineering services for electronic gadgets, displays, FPGA, memory
caching polices, board level auto configuration settings, opto-electrical systems
setup, electrical systems, HVAC and related hardware and mother-board level
configurations, connectivity with the back bone using suitable wirings, telecom
protocols, use wireless/ wired networking for LAN, WAN, MAN, cloud specific
engineering services that will help your team to offer better responsive system.
We offer a wide range of engineering services licensed faculty that has International
experience and datacenter operations management, troubleshooting and best
practices related to engineering standards, cabling, parallel processing , systems
engineering, control system design as per NIST, ISO and CMMI level 5 standards. We
offer industrial plant layout QA and certification assessments that meet
Engineering Board standards from US, Canada and Australia
We have served key datacenter engineering assets including interdisciplinary
integration testing, process design and plant optimization as per Energy and HVAC
standards. We have setup systems for backup energies, hybrid assembly for
energy sourcing /recycling of end products like waste water and electronic waste

11. Service Catalogue for Banking and Financial Industry Bhadale Group of Companies
6 Data Center services –
IT services
We offer IT services for server tuning, setting of backups, disaster recovery,
business continuity planning, AI related integrations, software licensing , master
agreement management, software development, design patterns, technology
platform development for mini- datacenter, setting up of intelligent firewalls, third
party tools, gadgets and approved partner offerings onto your hosting platform.
We offer various levels of services based on your needs, new developments,
modernizing old systems to become intelligent, automation of configuration
setting, operating system hardening, setting up service bus/ fabric, end point
security, overlaying newer technologies for VPN connectivity, newer routers, edge
gateway servers, traffic managers, automated DevOps, build/test / deploy assets,
setting up of server roles, database setup for NoSQL, migration from other
databases, data backups onto other datacenter or tapes or long term storage
devices, setting up/ configuration/ tuning of various websites for various banking
purposes, grade of service, billing systems, auto debit facility, credit card
integrations, POS integration, online wallet setups , integration with international
and domestic banking gateways, visit to client premises for setup and
configuration for safe online banking and many more features like Security testing
based on CISSP
We have offered secure banking services for an Online forex company that helped
them to conduct B2B and B2C business securely safely and using Digital certificates
and using highly encryption technologies that avoid all types of spoofing, break-ins
and man in middle attacks.
7 Security services We offer vulnerability testing, penetration testing, and AI based surveillance
testing/ gap-fit analysis based on AI protocols, CEH and CISSP protocols. We offer
cloud grade security solutions
We gather, analyze the historical events, log files, cross-site vulnerabilities,
suspicious activities, phased analysis and trapping of online criminals, recording
and gathering evidences used during social engineering, vulnerability assessments,
test for zero-day virus break out scenarios, phased and controlled shut down of
systems in event of attack like DDoS, and intelligent routing the banking traffic to
alternative routes, servers until the attacker retrieves with no benefits to him.
We use best of AI, fuzzy logic algorithms, products that will help the Machine
learning platform to understand the patterns of attack, fraudulent attacks,
anomaly detections that help the system to learn to self-defend, shutdown, and re-
route without user intervention.
We have analyzed and recommended a Telecom firm to use cloud based security
apps to ensure their services are fool-proof and intruders are kept away safely

12. Service Catalogue for Banking and Financial Industry Bhadale Group of Companies
8 Customized
datacenter
integration packages
We offer tailored integration services for various models, use cases, scenarios,
topologies and various tiers. We design integration solutions based on best
practices and top protocols that meet the critical needs of banking industry for IT
and engineering systems (on-premise, client premises and cloud platforms).
We offer redesign and modernization of datacenter distributed, ATM machine
upgrades to leverage AI algorithms, newer protocols and we layover newer
networks and configurations on top of existing cabling, system software and IT
artifacts. We assist you in rationalizing and migrating to a newer datacenter with
improved processes, sun setting of redundant code/ entities that is well integrated
internally to line of business systems, external systems and inter-datacenter
communications. We test and deploy the newer change requests that ensure that
newer integrations add value and do not make your system weak or vulnerable for
attacks.
We have served several Banking clients and have provided integrations using SAPXI,
BizTalk, Informatica, Dell Boomi, and using open standards like SOA, XML, and IFX
datasets
9 Customized ERP
packages
We offer tailored services for design, development and integration of ERP solutions
like Dynamics NAV, Oracle ERP, Sales force CRM integration with AI datasets and
other required ERP software development to meet the needs of your systems and
business.
We provide connectors to standard products, standards protocols, all layers of OSI
model and newer protocol models for wireless banking, wifi-banking, mobile
banking and various channels and payment wallets, shopping cart integrations, and
business integrations for B2B, B2C operations management. We offer AI packages to
meet the intelligent ERP needs. We can configure, customize deploy and manage
operations of Google search, Office365 systems, SharePoint systems, online books
/ payroll processing packages, auditing , integrations with POS systems, integrate
with international ERP packages for client setup ERP packages and offer unique and
customized solutions for smooth.
We have offered setup and installation of Office365 system for a US client that has
AI based recommendation engine that use machine learning to improve itself
10 Robotics , RPA
automation services
We offer services in analyzing your need for physical robots at helpdesks, remote
operating machines and at stalls.
We procure, configure, and deploy the robots, troubleshoot issues, repair and
apply required AI software for the systems. We offer partner services for various

13. Service Catalogue for Banking and Financial Industry Bhadale Group of Companies
famous brands who design robots for banking industry and integrate those with
RPA based automation for quicker and paperless dialogues and real-time feedbacks
to clients instead of a person attending in-person. We offer integrated cloud based
platform for real time analysis and intelligent response via various NLP channels.
We offer automation of the deployment process for various roles and models that
can be deployed on a single robot intended for various role plays. We can offer
value-add on like language translation services, surveillance of robot, performance
analysis and feedback analysis from actual end users. We then offer to train, fine
tune the algorithms that can improve the performance
We have recommended deployment of robots to a client that helped the firm to
meet, greet and answers several question related to the opening of new accounts
and various packages offered.
11 Business
improvement
consulting- SME
We offer training programs for SME who wish to leverage on our broad knowledge,
strategy for doing financial business and any advices you need from us.
We offer advices on broad range of consulting services for SME, startups with
excellent ideas, projects and process advices that can help you win accelerators and
get investors to offer investments, we can help you in building pitch decks, offering
presentations and advice on use of technology in your business for better
productivity, yield and continuity. We can help you informally also at informal
meetings, home visits and offer official with training and notes for improving skills,
knowledge and improved work abilities. We offer various roles with business
improvement plans and courses related to IT that can be useful to the business
indirectly
12 Non financial
management services
We offer general management and consulting services to non-financial planning, IT
asset management, Introduction to AI and training programs that help the staff and
management to understand the evolving systems and paradigm shifts that are
taking place around the world in the banking sectors
We offer advices on technology, research and their usage in banking sectors, sales,
marketing advice, market approach and advices on international standards, setting
up datacenters and other use cases as relevant to the banking industry and client
business needs. We offer training on safety, and standard operations as per rules
and security best practices. We offer solutions to Smart Banking, quality
certifications like ISO, Basel, GDPR, SOX and related International initiatives that
help SME bankers get international recognition.
We have trained few staff and have imparted general awareness among them as to
the trends of AI in banking industry and how they can benefit from this technology

14. Service Catalogue for Banking and Financial Industry Bhadale Group of Companies
Disclaimer: Logos, trademarks, names are belong to respective owners, we have no plan to infringe any of the
original rights, we have used those here for illustrative and educational purpose only
For further details please contact
Bhadale IT Developers Pvt. Ltd
CTO: Vijay Mohire, +91-9741040195; Email: vijaymohire@gmail.com