Digital technology presents a major opportunity to facilitate access to financial services. The digitalization of products, services, and distribution channels, the use of digitized data, and innovative technological solutions make it possible to meet customers' needs and optimize internal operations. HORUS takes a holistic approach to digitalization challenges: studies, strategies design, support to digital project scoping and implementation, as well as developing or optimizing tailored digital financial services, while ensuring consumer protection, risk management and regulatory compliance.
HORUS carries out studies for international donors, central banks or sector programs to foster innovation and the promotion of digital financial services.
HORUS also supports financial institutions and Fintech in:
- Designing tailor-made digital strategies;
- Diagnostics and feasibility studies for the launch of digital products, services and distribution channels;
- Managing projects to launch digital financial services: equipping field agents with digital tools ; deploying agent networks ; implementation of mobile apps ; partnerships with e-wallet providers ; payment cards ; digital credit ; credit scoring etc.
- Managing digital transformation projects for financial institutions, including the digitalization of core business processes and/or support functions.
- Using data to drive performance
When digitalization directly affects end customers, we ensure that the solutions developed are designed to meet the customer’s needs as closely as possible, with particular attention paid to rural populations, women and young people.
Whatever the scale of the projects, change management is at the heart of our approach, to ensure sustainable adoption of digital innovations at all levels, whether it be the institution’s staff or end customers.
We are particularly careful to ensure that the solutions are accompanied by robust risk management and personal data protection systems. Lastly, we support our clients in the implementation of consumer protection measures adapted to the digital financial services.
