The Core Is Stable. Everything Around It Is Not.
The systems of record work - they have been hardened over decades and nobody sensible wants to touch them. The problem sits in the layer customers actually meet: onboarding that asks for the same documents twice, a relationship manager who cannot see the mortgage application, a compliance step that lives in email. Modernising the core is a decade-long argument. Modernising the layer above it is not.
Built for regulated, high-stakes environments.
Orchestrate legacy cores without replacing them.
Your core banking platform stays exactly where it is. Financial Services Cloud sits above it as the customer and process layer, coordinating account opening, lending and servicing across core, CRM and channel systems, with Flow and Agentforce handling the long-running cases that used to need a separate orchestration engine. You modernise process by process, on your timeline rather than the vendor's.
Automate KYC without cutting corners.
Financial Services Cloud handles document checks, sanctions and PEP screening, and routes cases automatically against your existing AML rules engine. Clear-cut cases clear in seconds; anything ambiguous escalates to a compliance officer with full context attached. Nothing is auto-approved.
Turn applicants into customers before they drop off.
Financial Services Cloud onboarding covers retail accounts, SME lending and priority wealth in one mobile-first flow. Applicants enter their details once, verification and credit decisioning run in parallel, and relationship managers see priority applications the moment they're flagged.
See risk and sentiment before they become a problem.
Data 360 unifies payment behaviour, service interactions and portfolio exposure from core banking, wealth and insurance into one Financial Services Cloud view, so a relationship manager sees a high-value client trending toward attrition or default weeks before it shows up in arrears reports.
One source of truth across every system.
MuleSoft, Salesforce's integration platform, connects core banking, CRM, risk engines and third-party data providers into one governed layer: real-time where a decision depends on it, batch where it doesn't, with every connection monitored and access-controlled centrally.
AI-powered decisioning that stays compliant.
Agentforce powers next-best-action recommendations and employee-facing assistants for banking, wealth and insurance teams, grounded in Financial Services Cloud data. Every recommendation cites the specific policy, risk rule or product terms behind it, and a human always signs off before it reaches the customer.
Approvals that used to take days, settled in a channel.
A credit case that needs risk, compliance and the relationship manager usually means three inboxes and a week of chasing. In Slack it becomes one channel per case, with the Financial Services Cloud record attached, so the decision and the reasoning are written back to the case rather than lost in email.
An agent that drafts the work, and shows you why.
Agentforce handles the reading and the paperwork: pulling the exposure, checking the DSR, drafting the memo. It cites the policy clause behind every line, and stops at the point where a licensed officer has to decide. Where it is not confident, it says so and hands over.
Modernise at Your Own Pace
No institution can afford a disruptive rip-and-replace. We connect what you have, phase by phase, with every step auditable from day one.
Extend the capabilities of your Financial Services Cloud with these Salesforce products.
All six sit on the same platform and share one customer data model, so adding one is configuration rather than another integration project.
one profile, three systems
One customer profile assembled from core banking, policy admin and payment systems.
Explore →Governed APIs between legacy cores and modern channels, instead of integrations nobody can audit.
Explore →Portfolio, risk and branch performance in one analytics layer rather than circulated spreadsheets.
Explore →AI agents inside your compliance boundary, escalating any decision that carries risk.
Explore →Credit committees and claims reviews attached to the record, so the decision trail survives.
Explore →Lifecycle journeys for onboarding, cross-sell and retention built on consent data.
Explore →What changes when the front office can finally see the whole customer.
Modernise The Customer Layer Without Touching The Core
The core banking or policy system does not have to move for the customer experience to change. Building the engagement layer above it means onboarding, servicing and advice improve on a normal project timeline, while the systems of record stay exactly as stable as your risk committee needs them to be.
Onboarding That Asks Once
Documents and data captured once and reused, instead of the customer proving who they are at every step.
One View Across Products
The relationship manager sees the mortgage, the card and the claim together, not three systems and a phone call.
Compliance In The Workflow
Consent, suitability and audit trail captured as work happens rather than reconstructed afterwards.
Advisers Spend Time On Advice
Routine admin and data entry handled by the platform, which is where adviser capacity actually goes.
A Core You Do Not Have To Rip Out
Integration patterns proven in regulated environments, so modernising the front office is not a decade-long core replacement argument.
This is not an early bet. It is running at scale.
Financial Services Cloud already sits behind a large share of the world's regulated accounts. The platform risk question has largely been answered elsewhere.
A dedicated FSI team, proven with regulated institutions.
Telcowin has delivered core modernisation and digital engagement projects for banks and asset managers in Malaysia and Indonesia, combining Salesforce Financial Services Cloud, Data 360 and integration expertise with an understanding of regulated environments.
The certified architects who scope your project stay involved through build and go-live.
Delivered for banks, asset managers and unit trust providers across Malaysia and Indonesia, modernising core systems and customer experience.
Financial Services Cloud, Data 360, MuleSoft and Agentforce under one roof, so core modernisation and customer experience are designed together.
The questions every risk committee asks.
Whether the core has to move, what happens to the audit trail, and how long a first phase really takes.
Do we need to replace our core banking system to get started?+
No. Salesforce Financial Services Cloud sits on top of your existing core systems, so modernisation can happen in phases rather than a single disruptive migration.
How is compliance handled when processes are automated?+
Every automated step is logged and permissioned, with human approval points built in for judgement calls, so automation speeds up routine work without weakening audit trails or governance.
Which types of financial institutions do you work with?+
We've worked with retail and commercial banks, asset and unit trust managers, and other regulated financial institutions across Malaysia and Indonesia.
How long does an FSI modernisation project take?+
It depends on scope, but we typically deliver in phases. One recent first phase went live in three months, ahead of a peak business period, with further capabilities rolled out afterward.
Why choose Telcowin for financial services transformation?+
We've delivered core system modernisation and digital engagement for banks and asset managers across the region, combining Salesforce Financial Services Cloud, Data 360 and integration expertise with an understanding of what regulated institutions actually need.
Continue your transformation.
Data & Integration
Connect core banking, CRM, and legacy systems.
Explore →AI & Automation
Layer intelligent decisioning onto automated workflows.
Explore →CRM
One connected view of every customer relationship.
Explore →Customer Service
Faster, more consistent support across every channel.
Explore →