i-exceed’s Appzillon allows banks to swiftly modernize by integrating AI-powered, omnichannel experiences atop existing core systems through modular, pre-configured components, thereby reducing time-to-market and associated risks. With intelligence embedded at every touchpoint—from onboarding and chat support to automated workflows—banks can provide intuitive customer journeys, lower service costs, and achieve rapid, measurable returns on investment. Mr. Sundararajan S, Co-founder & CEO of i-exceed, discussed how the platform enables institutions to create genuinely modern and omnichannel digital services including mobile applications, web portals, and branch interfaces without dismantling their core systems. Appzillon is a significant advancement in how banks modernize their services. It empowers institutions to develop contemporary and omnichannel digital services while preserving their existing core systems.
With its modular and pre-configured components, along with easy integration capabilities, banks can expedite their market entry and respond more effectively to customer demands, free from the burdens of legacy systems. The architecture is built on decades of real-world banking experience, ensuring that innovation is achieved without sacrificing compliance or operational continuity. Recognition from independent analysts like Forrester, Celent, and IBS Intelligence highlights the balance of robust design and future-oriented flexibility inherent in the platform. Appzillon incorporates artificial intelligence at every customer interaction point, transforming intelligent banking from a future goal into an inherent capability. AI enhances the entire functionality—from suggestions during form filling to chat support, intelligent workflows, and automated fraud checks.
This integration results in seamless onboarding, intuitive customer journeys, and significantly reduced back-office workload. By embedding AI into the user experience layer rather than as an add-on, banks can realize value sooner, facilitate personalization, and lower operational costs with visible, prompt outcomes. Appzillon also broadens the reach of digital banking in areas where legacy systems are inadequate. Its lightweight and channel-agnostic design allows it to operate offline through agency networks, mobile platforms, or web access, simplifying onboarding with technologies like OCR, smart screens, and virtual agents. This approach lowers service costs and enables banks to reach low-margin or remote customers effectively.
Real-world examples highlight this impact, such as India Post Payments Bank’s initiative to provide doorstep banking in rural regions and SBI LY HOUR Bank in Cambodia achieving a fully digital onboarding process in under a month. These are tangible programs that enhance financial inclusion and transform accessibility. i-exceed’s strategy for expanding its platform into Latin America is heavily based on partnerships, focusing not just on technology deployment but also on integrating into local ecosystems. Recent efforts with a Peru delegation have transitioned exploratory interest into value-driven discussions, fostering new partnerships. This direct engagement has expedited proof-of-concept planning, trust-building, and the definition of integration requirements—accomplished in weeks rather than quarters.
Consequently, a localized playbook has been developed, which can be refined and applied to other markets in the region. Implementing digital banking solutions in Latin America presents unique challenges and opportunities. While mobile adoption is increasing and the demographics are digital-first, the region faces uneven infrastructure, evolving regulations, outdated banking systems, and slow project approvals. Similar to other markets, legacy systems and lengthy procurement processes often pose difficulties. The recommended response is a modular deployment strategy, starting with small, straightforward projects that yield quick, positive outcomes. Collaborating with local partners who have in-depth knowledge of regulatory compliance, security, and payment systems is essential.
It is critical to focus on pre-configured and resilient solutions that promise quicker delivery and clear ROI, supported by local partners and institutions that understand the specifics of compliance, security, and clearing systems. In Peru, achieving success hinges on adapting to regional systems and processes and demonstrating concrete value to facilitate broader implementation.