In HFS Research's Horizons 2023 report on the best service providers for retail banks, VSI Technologies was named a Horizon 3 Market Leader, reflecting our strength in delivering innovative, outcome-focused services. Horizon 1 covers tactical run and maintain, Horizon 2 digital channels, while Horizon 3 focuses on future-proof strategies–AI-driven personalization, open banking ecosystems, ESG-linked lending, and embedded finance. VSI's Retail
Bank Suite includes: Personal Finance AI Advisor, a Gen
AI-powered chatbot for budgeting and product recommendations; Open Finance Hub, a PSD2-compliant API gateway with built-in consent and risk management; Green Loan Engine, dynamically pricing loan rates based on borrower sustainability profiles; and In-Branch Digital Twin, using computer vision to optimize staffing and branch layouts. HFS cited our co-innovation labs, rapid-start accelerators, and outcome-based pricing as differentiators, enabling banks to test and scale new models in months, not years. Retail
Bank Horizons 2023 validates VSI's vision and execution in helping banks leapfrog to the next frontier of customer-centric, sustainable banking.
