Omni-Channel Sales & Account Opening Solutions for Deposit & Consumer Lending in the Banking & Credit Union Market

Complete solutions for all channels: Mobile/Online, Call Center, Branch, Sales Team

Many Products, One Application

The Terafina platform supports multiple products with a single application, so it’s easier for customers to apply and easier for you to cross-sell products and services that make sense for the customer. But you can also implement product-specific applications to create a direct bank for Real Estate Loans, Auto Loans, New Membership, Deposit Account Campaigns, etc.

Unified Experience

Our platform delivers a consistent, unified experience in any channel and on any device, creating a seamless experience on a screen, on a call, or in a branch. A complete end-to-end product solution, delivered in 90 days!

Customer-Centric Design with Service to Sales

The simple and intuitive step-by-step process makes it easy for your customers to open an account or complete an application, so you can focus more on helping them than on completing forms. Powerful service to sales capabilities turn every customer service encounter into an opportunity for a new sale.

Intelligent Cross-Sell

With its advanced customer insight analysis, our platform provides personalized recommendations for each customer, so you can present the right offer, at the right time, in the right channel.

 

Unified 360° Reporting

The Terafina platform provides real-time visibility across all of your channels and products to measure, track, and report on performance — making it easier than ever to identify opportunities and fine-tune performance.

 

Real-Time Guidance System

The platform automatically identifies abandoned, saved and pending applications in real time, includes automated contact/follow-up workflow and provides instant notification, so your staff can follow up with customers to see if they need help.

Intelligent Delivery of Documents & Disclosures

Automatically deliver the right disclosures at any interaction and generate the right compliance documents — all from a single console. Advanced customer portal to exchange information and documentation online. The platform also provides a comprehensive audit trail with operational reporting and dashboards.

The Terafina Approach

Developed by industry experts, supported by industry experts

  • Rapid Value

    Our staff provides your team with a strategic framework for integrating our platform into your environment for fast results.

  • Continuous Innovation

    We use analytics to keep your organization ahead of the curve. Our experts review data on an ongoing basis to help you optimize your customer experience and business performance.

  • 24/7 Support

    Your platform is always up and running, utilizing the latest in technology standards. All upgrades are deployed automatically with no interruption to your business.

Our Customer Success Story

With the Terafina platform, our customers have realized huge increases in revenue and profit and significantly improved cross-sell opportunities. This is a key part of the success and growth story behind Terafina.

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PwC and Terafina are collaborating to bring the Terafina platform to financial institutions across the globe, helping them connect with their customers at any time, in any channel, and on any device.

Further, Terafina is part of the PwC @Scale program, which helps alliance companies like Terafina scale and bring new innovations to the market quickly.

Who is Terafina?

The company was founded by industry veterans with strategic and operational management experience in Digital Banking and Technology.

Meheriar Hasan, CEO and Founder

Mr. Hasan, principal founder and CEO, is a proven thought leader and seasoned operator in the Multi-Channel Digital Banking space in the U.S. He brings 27 years of hands-on experience building North America’s largest digital multi-distribution channels and creating new business value for US Bank, Wells Fargo Bank, Transamerica Insurance, Digital Insight and other financial institutions.

Mr. Hasan is frequent keynote speaker, and author of numerous articles on direct/digital Banking and widely quoted in global publications. Mr. Hasan holds a Master of Science in Finance and a Bachelor of Arts in Economics with a minor in Mathematics from the University of Arizona.

Contact

Email:
[email protected]

Ashwin Goyal, President and COO

Mr. Goyal is a veteran of the banking software industry. He has over 20 years of experience building and scaling several enterprise software businesses that have provided core banking, digital banking and banking CRM solutions which are being used by some of the largest financial institutions globally. His experience spans growing and managing large teams of banking industry professionals spread across multiple countries at large companies such as Oracle and Siebel to founding an innovative, agile banking software start up.

Mr. Goyal holds an MBA in Marketing from the Wharton School of Business and a MS in Computer Science from the Florida State University.

Contact

Email:
[email protected]

Jim Charanis, CRO, EVP Sales and Marketing

Mr. Charanis has over 25 years of experience in sales and marketing strategy at both startups and large technology firms. As a founder at Magnet Communications, Mr. Charanis sold the initial customer base, helped to raise initial rounds of equity financing, and eventually led the sales and business development teams.

Mr. Charanis has lead teams to market and sell a wide range of enterprise solutions for payments, commercial banking, and digital banking. He holds a Bachelor of Science in Marketing with a concentration in Decision and Information Sciences from the University of Maryland at College Park.

Contact

Email:
[email protected]

Rajesh Patil, Head of Technology & Product Development

Mr. Patil  is an accomplished technology leader with 17 years of experience in building profitable digital channels for Financial and Technology organizations. He recently had a strategic role at First Tech Credit Union where he was instrumental in developing and implementing the Terafina platform.

Mr. Patil, has held high-impact positions at companies like CPP, Inc, Magellan GPS, Net Manage, First Tech Federal Credit Union, Persistent Systems, and Helios and Mathenson Analytics. Mr. Patil is also Silicon Valley Chapter Owner for Next Money @nextmoneysv and a founder of LetstalkCreditUnion group @formembers. Mr. Patil holds a Masters in Engineering and Management from Santa Clara University and a Bachelors in Engineering from Karnataka University, India.

Contact

Email:
[email protected]

Mahesh Karanth, CFO

Mr. Karanth, CFO, is a seasoned veteran with over 25 years of experience in finance and strategy at both startups and Fortune 500 firms. As the CFO of multiple startups, including Telsima, InvenSense, and Enlighted, Mahesh has raised over $240M in equity financing and successfully taken companies public.

Prior to these startups, Mr. Karanth was at Compaq/Hewlett Packard, where he oversaw several major acquisitions and set up international operations on multiple occasions. Mr. Karanth was also a Partner at Ernst & Young and holds a Master of Commerce and Finance from Bangalore University. His additional qualifications include being a CPA and a Chartered Accountant.

Contact

Email:
[email protected]

Vishrut Lugani

Mr. Lugani is a visionary leader with a proven track record of driving digital products and process improvement in the financial industry, helping transform multiple organizations to adopt leading-edge digital strategies. Leveraging this expertise, he has built successful programs to improve customer experience, strengthen risk posture, and remediate regulatory actions.

Mr. Lugani has held executive-level positions at multiple blue-chip firms, including PwC, Key Bank, Deloitte, Bank of America, and Charles Schwab. He holds a bachelor’s degree in engineering from the Delhi College of Engineering.

Contact

Email:
[email protected]

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