May 8-10, 2019 San Francisco, CA  

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More About Terafina Tessellate.


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"Terafina Recognized in Celent Omni-channel Report"

-Celent 2018 Report


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Terafina's Multi-Channel Digital Sales Platform (DSP) provides a unique approach to account opening and loan origination

Our customers are driving an average of 20% more sales across the entire financial institution by using our digital sales & enrollment technology platform. The key is to both enable digital enrollment and also turn your online & mobile channels into a lead generating engine for the entire company.

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.


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.


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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.


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Vishrut Lugani, Strategic Advisor

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.


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Jon Naseath, Chief Financial Officer

Mr. Naseath has over 16 years experience helping companies transform with dramatic results to grow revenue and reduce expenses. He has led the transformation of accounting, financial and business operations in multiple companies ranging from leaders in the S&P500 to privately owned startups. While at KPMG Mr. Naseath developed and implemented ISO industry standards which he applied to help his banking industry clients save millions by more efficiently controlling their IT Assets.  He developed data science algorithms to target licensing revenue leakage for software vendors that resulted in over $100M in increased recognize revenue for his clients. Mr. Naseath holds a Bachelors in Business Management and also a Masters in Information Systems Management from Brigham Young University. Mr. Naseath is a Certified Public Accountant (CPA), Certified Information Systems Auditor (CISA) & Certified Fraud Examiner (CFE).


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Kaushal Pandia, Chief Product Officer

Mr. Pandia is a product management executive with over 15 years of experience in digital product strategy and management roles.  In his most current role as Head of Digital for Wealth Management at Bank of the West, Kaushal was responsible for defining and driving the omni channel product strategy and customer experience to deepen engagement and grow wallet share.  Prior to Bank of the West, Kaushal held key product leadership roles in digital banking at Wells Fargo and U.S. Bank. Mr. Pandia is a certified product management professional from Haas School of Business at U.C Berkeley and an M.B.A from Newport University.


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