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Case Study Region: APAC

Reduction in IT Costs for a Tier-2 Bank Without a Single Hour of Downtime

For over two decades, a mid-sized regional bank had run its operations on a monolithic core banking system built for transactional reliability, not agility. Batch processing stretched overnight. New product launches took months. Fintech integrations were slow and expensive. And every compliance update triggered weeks of high-risk manual patching.

The bank wasn’t in crisis — transactions still cleared, customers could still log in — but leadership could see what was coming. Digital-first competitors were eroding their retail base. Regulatory expectations were rising. And the gap between what customers expected and what the stack could deliver was widening every quarter.

They had attempted a full legacy migration once before. It was scoped, budgeted, and quietly shelved when the risk became impossible to ignore. A failed core migration meant frozen accounts, disrupted payment rails, and a compliance exposure they couldn’t afford. Starting from scratch wasn’t the answer.

What they needed was a smarter path — one that delivered a complete core banking transformation without the bank going dark for even an hour.

Reduction in Account Takeover Fraud for a Southeast Asian Bank in Just 6 Months

Across Southeast Asia, rapidly digitising banks are facing a fraud landscape that has outpaced the controls built to manage it. For one mid-sized regional bank, that gap became a crisis. Over 18 months, a 210% surge in account takeover incidents — driven by credential-stuffing attacks, SIM-swap schemes, and sophisticated social engineering — exposed the hard limits of a rule-based detection system calibrated for an earlier threat era.

The system generated excessive false positives while simultaneously missing novel attack patterns that fell outside predefined thresholds. The cost was threefold: direct financial losses from fraudulent transactions, an overwhelmed fraud operations team manually reviewing thousands of alerts, and measurable damage to customer trust reflected in declining net promoter scores.

Static rules could not keep pace with adaptive adversaries. The bank needed a fundamentally different approach — one capable of learning from evolving attack signatures in near real time.

Million Customers, One Mobile App

As India’s digital banking surge hit 40% year-over-year growth, one of the country’s most trusted banks, serving 7 million-plus customers across individuals, firms, and multinationals, faced a threat hiding in plain sight. Its website offered full banking functionality. Its mobile app didn’t. Customers expected their entire branch in their pocket; the platform gave them a fraction of it.

NeoSOFT’s diagnostic found the fault lines running deep. The app lacked multi-layer encryption, leaving millions of sensitive financial records exposed to breach risk. Server failures caused outages that delayed payments and blocked account access, quietly eroding the trust a 7-million-strong customer base had spent years building. There was no native UPI integration, a critical gap in a country where UPI processes 10 billion-plus transactions every month. And underneath it all sat a monolithic architecture that cracked under peak load, impossible to scale and painful to maintain.

For a bank this size, a fragmented mobile experience wasn’t a minor inconvenience, it was a loyalty advantage quietly turning into a churn risk.

NeoSOFT didn’t come in to patch the app. We came in to rebuild it as a full-stack, security-hardened super app, one capable of carrying every service the website offered, absorbing India-scale traffic without flinching, and giving 7 million customers a mobile experience as fast and reliable as the trust they’d already placed in the bank.

Million Rescued in Pipeline Revenue

For a leading multinational bank operating across 12+ markets, serving 18M+ customers and managing $400B+ in assets, the numbers told a painful story. Despite a 4.6-star rated app and years of digital investment, 40,000 high-value loan applicants were silently walking away every single month, a 54% abandonment rate that no one could explain with a single root cause.

NeoSOFT ran a deep diagnostic across 2.3 million user sessions and uncovered something the bank hadn’t seen before: their digital journey had been engineered for compliance, not for humans. Twenty-plus manual entry points. PDF uploads on mobile with zero guidance. No support when a user hesitated. The app wasn’t just frustrating, it was actively pushing customers toward competitors.

The cost of that friction? $85 million in pipeline revenue, evaporating quietly every year through a Submit button that had become a wall.

NeoSOFT didn’t come in to redesign screens. We came in to dismantle the wall replacing a form-driven interrogation with an intelligent, intent-driven experience that does the heavy lifting for the customer, anticipates hesitation before it becomes abandonment, and turns the onboarding journey into the bank’s sharpest competitive edge.