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rt360 Credit Risk Suite
rt360 Early Warning System
rt360 Expected Credit Loss
rt360 RAROC Calculator

BCT Digital is a risk and compliance product company specializing in RiskTech, RegTech, and SustainTech solutions. Our AI-powered products help financial institutions manage risk proactively, stay ahead of regulations, and drive sustainable impact.

With proven results across leading banks in Asia and the Middle East, we’re now expanding in the U.S. market—and seeking a select few Community Banks as Innovation Partner to shape this journey with us.

Partner with us – Be an Innovation Partner

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How can financial institutions turn ESG principles and climate risk management into a competitive advantage?

Environmental, social and governance (ESG) and climate risk management have become central to risk management and investment decision-making for financial institutions. The integration of ESG factors into organizational frameworks is driven by both regulatory requirements and market pressures.

Critical insights were unearthed by Chartis Research, in collaboration with BCT Digital, as they surveyed 77 ESG and climate risk practitioners across the financial services sector to understand:

  • How practitioners are assessing and planning for their ESG and climate risk capabilities in 2024
  • How the demographics of firms and practitioners impact their planning
  • The priorities that are steering firms’ strategic agendas and how they factor into their technology and business requirements

Unlock insights on ESG and Climate Risk

Partner with Us – Be a Lighthouse Client

Partner with us

How can financial institutions turn ESG principles and climate risk management into a competitive advantage?

Environmental, social and governance (ESG) and climate risk management have become central to risk management and investment decision-making for financial institutions. The integration of ESG factors into organizational frameworks is driven by both regulatory requirements and market pressures.

Critical insights were unearthed by Chartis Research, in collaboration with BCT Digital, as they surveyed 77 ESG and climate risk practitioners across the financial services sector to understand:

  • How practitioners are assessing and planning for their ESG and climate risk capabilities in 2024
  • How the demographics of firms and practitioners impact their planning
  • The priorities that are steering firms’ strategic agendas and how they factor into their technology and business requirements

Unlock insights on ESG and Climate Risk

As an Innovation partner, you’ll receive:

Early access to our globally recognized platforms
A significant early adopter discount
Influence over product localization and compliance alignment
Direct collaboration with our innovation and support teams
Visibility through co-branded success stories and thought leadership

Proven Global Impact

Proven Global Impact

Proven Global Impact

  • $500M+ Annual Value Created, our rt360 Early Warning System has helped major banks across Asia and the Middle East reduce NPAs—saving more than $500 million per bank, per year.
  • BCT Digital’s rt360-Real Time Monitoring System is approved by the Reserve Bank of India (RBI) for regulated entities. BCT Digital and one of the large Banks, IDBI Bank collaborated at the 4th Cohort of the RBI Regulatory Sandbox under the theme of ‘Prevention and Mitigation of Financial Frauds’.
  • The company’s AI-first GRC platforms are widely adopted by governments, media conglomerates, and financial institutions across Asia and Middle-East, delivering seamless enterprise risk and compliance management.,

Globally Recognized

Globally Recognized

  • Ranked among the Chartis Top 100 RiskTech Companies Worldwide
  • Placed #28 in the RiskTech AI 50 by Chartis Research

$500M+ Annual Value Created

$500M+ Annual Value Created

Our rt360 Early Warning System has helped major banks across Asia and the Middle East reduce NPAs—saving more than $500 million per bank, per year.

rt360-Real Time Monitoring System

rt360-Real Time Monitoring System

BCT Digital’s rt360-Real Time Monitoring System is approved by the Reserve Bank of India (RBI) for regulated entities. BCT Digital and one of the large Banks, IDBI Bank collaborated at the 4th Cohort of the RBI Regulatory Sandbox under the theme of ‘Prevention and Mitigation of Financial Frauds’.

AI-first GRC platforms

AI-first GRC platforms

The company’s AI-first GRC platforms are widely adopted by governments, media conglomerates, and financial institutions across Asia and Middle-East, delivering seamless enterprise risk and compliance management.

Globally Recognized

Ranked among the Chartis Top 100 RiskTech Companies Worldwide
Ranked #28 in the RiskTech AI 50 by Chartis Research

AI-First Risk Management Products

Our platforms are built with intelligent automation and real-time analytics to power smarter risk, compliance, climate and ESG decisions.

rt360 Credit Risk Suite

rt360 Credit Risk Suite

BCT Digital’s rt360 Credit Risk Suite that includes Early Warning System and Real-Time Monitoring System empowers lenders with AI-driven analytics to manage the full credit lifecycle, ensuring compliance, efficiency, and sustainable asset quality.

OmniGRC

OmniGRC

BCT Digital’s AI-first OmniGRC Suite enables end-to-end automation, integrating global standards to manage evolving risks and compliance for comprehensive enterprise governance and control.

MRMVantage

MRMVantage

BCT Digital’s AI-powered rt360 Model Risk Management (MRM) framework enables banks to manage, measure, and mitigate model risks, ensuring robust governance and regulatory compliance throughout the model lifecycle.

ClimateEdge

ClimateEdge

BCT Digital’s AI-powered ClimateEdge platform enables banks and FIs to proactively manage complex climate risks and comply with evolving governance standards through intelligent, data-driven insights.

ESGVector

ESGVector

BCT Digital’s AI-enabled ESGVector platform delivers centralized ESG monitoring, helping businesses align with global standards and proactively manage environmental, social, and governance risks for sustainable growth.

Let’s Build the Future of Risk Management Together

BCT Digital is ready to expand its globally proven innovation for Community banks in U.S.

If you’re a Community Bank focused on transformation and resilience, let’s talk.

Join us. Drive innovation. Experience Return on Resilience.

Connect with Us
Start the Conversation

Key Functionalities

Prioritization & bucketing for targeted actions

Prioritization & bucketing for targeted actions

Achieve efficient collections with configurable prioritization rules, exception handling, and AI/ML- based detection of self-cures and early payers.

Granular collections planning and tracking

Granular collections planning and tracking

Streamline collections planning with a user-friendly UI, customer- and collector-wise target setting, configurable approval workflow, and on-the-spot decision-making with audit trails.

Effective collection strategy

Effective collection strategy

Optimize your collections strategy with recommendation engine, integrations to SMS/e-mail/payment gateways, customizable dunning letters, activity tracking, and centralized document repository.

Insightful collection analytics & reporting

Insightful collection analytics & reporting

Gain insights and monitor performance with consolidated portfolio views, roll rates, forward flows and other delinquency trends, efficiency reports, best time to call metrics, and PTP vs. collection variance analysis.

Functional decomposition and application mobility

Functional decomposition and application mobility

Experience seamless deployment and scalable, automated solutions with flexible modular deployment options, microservices-based architecture, open APIs, and data extraction bots.

Benefits

Reduction in bad-debts write-off
Higher collection efficiency
Effective customer engagement
Focus on growth
Lowest TCO


On the go tracking, planning, decisioning, dashboards and reports, along with regional language enablement

Access key takeaways

There is an indisputable need for an integrated platform to address end-to-end requirements

Budgets for ESG and Climate Risk solutions are relatively high

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Get business critical insights to underpin your ESG and Climate Risk strategy

This report covers

There is significant demand for ESG and climate risk capabilities

Data is at the center of ESG and climate risk assessments

Budgets for ESG and climate risk solutions are relatively high

Business first, technology next approach

Business first, technology next approach

Domain expertise and proven experience (OEM+SI) under one roof

Domain expertise and proven experience (OEM+SI) under one roof

Seamless integration with upstream and downstream systems

Seamless integration with upstream and downstream systems

Ready-to-use and cloud-ready solution with minimum effort for deployment

Ready-to-use and cloud-ready solution with minimum effort for deployment

Flexible commercials and deployment models

Flexible commercials and deployment models

Business first

Business first, technology next approach

Domain-Expertise

Domain expertise and proven experience (OEM+SI) under one roof

Seamless-Integration
Seamless integration with upstream and downstream systems
CloudReadySolution

Ready-to-use and cloud-ready solution with minimum effort for deployment

Flexible commercials

Flexible commercials and deployment models

Products

rt360 Credit Risk Suite

A transformative product suite powered by AI/ML algorithms, data analytics, configurable workflows, and extensive reporting and dashboarding tools

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rt360 Early Warning System

Comprehensive, always-on early warning indicators powered by AI/ML to help bankers identify potential default, stress or fraud 

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rt360 RAROC Calculator

Accurately assess customer profitability while making credit pricing decisions for RAROC calculation thereby increasing credit growth

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rt360 Collections Management System

Unlock your full collection potential and increase resolution rates cost effectively with advanced AI/ML technology that underpins a robust collections strategy

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rt360 Expected Credit Loss

Compute Expected Credit Loss as per regulatory, IND AS 109 guidelines, while addressing requirements such as PIT PD, and macro-economic factors

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Brochures

rt360 Credit Risk Suite

Get sustainable growth and maximized profitability powered by AI/ML algorithms, data analytics, configurable workflows, and extensive reporting and dashboarding tools

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rt360 Early Warning System

Stay alert, efficient and profitable by identifying credit risks proactively and leveraging end-to-end predictive analytics

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rt360 RAROC Calculator

Ensure dynamic risk-based pricing and efficient capital allocation with focus on maximizing profitability and driving sustainable growth

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rt360 Collections Management System

Identify credit risks proactively, collect more, economically and at an accelerated pace by leveraging state-of-the-art predictive analytics

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rt360 Expected Credit Loss

Recognize expected change in credit risk and onboard a framework to manage forward-looking credit loss. Adopt proven, scientific methods for computing credit losses

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Get business critical insights to underpin your ESG and Climate Risk strategy

Download this complimentary report

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rt360 product suite