Industry Solution · Dynamics 365

Smarter Banking &
Financial Services

Deliver hyper-personalised banking experiences, automate loan origination, ensure KYC/AML compliance, and gain 360° customer intelligence — all on Microsoft Dynamics 365. Built for India's banks, NBFCs, and wealth managers.

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RBI Compliant

KYC/AML Built-in

UPI & NACH Ready

dynamics.com / banking / rm-dashboard

RM Dashboard

₹2,840Cr

AUM Managed

98.4%

KYC Compliant

4.2hrs

Avg Loan TAT

AML Alerts

Approved

Home Loan — Arjun Sharma, Delhi

Score: 812 · Disbursement: Today

₹68L

In Review

MSME Loan — Priya Textiles Pvt Ltd

📄 Doc verification · GST verified

₹1.4Cr

KYC Due

NRI Account — Rajesh Patel, UK

⚠️ Re-KYC due in 14 days · FEMA

₹32L

Disbursed

Gold Loan — Sunita Devi, Jaipur

✅ UPI disbursement complete

₹4.8L

Copilot: 3 cross-sell opportunities identified — life insurance for Arjun Sharma, FD maturity reinvestment for 12 customers.

360°

Customer View Across All Products

70%

Faster Loan Processing (TAT)

45%

Reduction in Compliance Violations

35%

Increase in Cross-Sell Revenue

Customer 360° BankingLoan OriginationKYC / AML ComplianceRisk AnalyticsDigital Banking ChannelsRBI ComplianceUPI / NACH AutomationWealth Management Customer 360° BankingLoan OriginationKYC / AML ComplianceRisk AnalyticsDigital Banking ChannelsRBI ComplianceUPI / NACH AutomationWealth Management

Core Solutions

End-to-End Banking on Dynamics 365

Six purpose-built solution areas covering the complete banking customer lifecycle — from acquisition and onboarding to relationship management and compliance.

Customer 360° & CRM

Unified customer profiles aggregating every product, channel, and interaction across the bank. Relationship managers get complete financial history, risk profiles, and AI-powered next-best-action recommendations — increasing wallet share by up to 35%.

Single View · NBA · Personalisation

Loan Origination & Management

Digitise the complete loan lifecycle from application to disbursement. AI-powered credit scoring, automated document verification via DigiLocker API, and straight-through-processing cuts average home loan TAT from 7 days to under 5 hours.

CIBIL · DigiLocker · Auto-STP

KYC / AML Compliance

Automated KYC workflows with Aadhaar/PAN validation, periodic re-KYC alerts, and real-time AML transaction monitoring. Compliance dashboards provide complete audit trails for RBI, SEBI, and PMLA regulatory requirements — zero manual tracking.

Aadhaar · PAN · PMLA · FEMA

Risk Analytics & Reporting

Power BI dashboards with pre-built regulatory reports: CRAR, NPA, SLR/CRR ratios, and stress test models. AI anomaly detection flags suspicious transactions in real time — giving risk teams proactive insights rather than reactive fire-fighting.

NPA · CRAR · Stress Testing

Digital Banking Channels

Seamless omnichannel banking experiences across branch, mobile app, web portal, and contact centre — with consistent data and service continuity. D365 Customer Service powers the contact centre with AI-assisted agent desktops and chatbot integration.

Branch · App · Web · Contact Centre

Financial Reporting & Treasury

Automated regulatory reporting for RBI returns, balance sheet preparation, and reconciliation of core banking system data. D365 Finance handles multi-entity consolidation, INDAS accounting, and GST — reducing month-end close by 40%.

RBI Returns · INDAS · GST · SWIFT

Dynamics 365 Modules Used

D365 Sales (RM CRM) D365 Customer Service D365 Finance D365 Customer Insights Power BI Power Automate Copilot AI UPI / NACH / NEFT

Real-World Applications

How Financial Institutions Win with D365

Practical applications transforming banking operations across India's diverse financial services landscape.

Relationship Manager Productivity

RMs access complete customer portfolios — all products, balances, interactions, and life events — in a single Dynamics 365 screen. Copilot surfaces cross-sell opportunities before every call, and one-click loan proposal drafting reduces meeting prep from 2 hours to 15 minutes.

Straight-Through Loan Processing

D365 Power Automate orchestrates the complete loan workflow: application receipt → CIBIL pull → Aadhaar/PAN verification → automated credit decision → legal check → disbursement via NACH/UPI. Human intervention only for exceptions — 70% faster TAT.

Regulatory Compliance Automation

Automated generation of RBI returns (Form A, SLR, CRR reports), SEBI disclosures, and FEMA compliance reports. Built-in audit trails ensure every transaction and decision is logged, reducing regulatory review preparation from weeks to hours.

MSME & Retail Banking Growth

AI-powered customer segmentation identifies high-potential MSME customers for credit upselling, and retail customers approaching life events (home purchase, education) for targeted product campaigns. NBFCs using D365 report 35% increase in cross-sell revenue within 12 months.

Performance Impact

Results Financial Institutions Achieve

Measurable outcomes from SchwettmannTech deployments across India's banking and NBFC sector.

Reduction in Loan Processing TAT70%

Compliance Violation Reduction45%

Cross-Sell Revenue Increase35%

RM Productivity Improvement40%

Customer Onboarding Speed65%

Financial Segments Served

Built for Your Institution

Deep pre-configured D365 templates for India's diverse financial services landscape.

Retail Banking

🏢Corporate Banking

NBFCs & MFIs

💼Wealth Management

Insurance

💳Credit Unions

🌾Microfinance

🏘️Housing Finance

Fintech / Neobanks

Business Impact

ROI Across Your Banking Operations

Measurable outcomes from SchwettmannTech banking implementations and Microsoft's global FSI customer data.

70%

Reduction in loan processing turnaround time

35%

Increase in cross-sell & upsell revenue

45%

Fewer regulatory compliance incidents

₹2–8Cr

Annual savings in compliance & ops cost

"SchwettmannTech transformed our retail banking operations with D365 Sales and Customer Insights. Our relationship managers now have a single screen for all customer data — our cross-sell rate jumped 40% in the first quarter. Loan processing which used to take 7 days is now fully digital and takes under 6 hours. The RBI reporting module alone saves our compliance team 3 weeks of manual work per quarter."

Amit Mehta

Head of Digital Banking · Leading NBFC, Ahmedabad

Start Your Journey

Modernise Your Bank with Dynamics 365

Book a free 2-hour banking transformation assessment with our certified D365 FSI consultants. We'll map your compliance gaps, identify automation opportunities, and build a custom ROI projection.

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Smarter Banking &Financial Services