About us

About Us

BCT Digital, the FinTech division of Bahwan CyberTek(BCT), is driving digital transformation for Banks & Financial Institutions through its risk management product suite rt360.

risk managment suite
rt360 is an award winning end to end risk management product suite to manage the entire risk portfolio of banks and financial institutions. The suite includes products to address credit risk, capital allocation, pricing risk, liquidity risk, model risk and operational risk.

It is designed by bankers, risk practitioners and technology specialists with a ‘Business First, Technology Next’ approach, empowering banks and financial institutions to focus on their credit growth and profitability while managing their risks. The product is fully designed and made in India to address the complexities of the financial sector globally.

Why rt360? Why Now?

We wanted to start a FinTech with a purpose. The FinTech market was growing, and the role of data and analytics was dramatically changing how a bank does all of its daily business. Artificial intelligence (AI) and, machine learning was all set to have an unprecedented impact on how customers experience financial services. This was when the country witnessed one of the single largest declarations of non-performing assets that followed the special Asset Quality Review (AQR) by the RBI in 2015.

BCT decided to invest and research this space and as a first step, we launched our own survey to assess the readiness of banks in managing credit risks.We then published the results in the report “Practitioners’ Insights on Credit Monitoring” in the last quarter of 2016 and invested in building the first-ever product on “Early Warning System”.

What started as a product to track and reduce NPA’s has now transformed into a product portfolio that addresses all types of risks a bank faces, including Model Risk, Operational Risk, Technology Risk, and Liquidity Risk, not just in India, but across the globe. Our mission has been to address the complexities of the global financial sector through “Make in India” and “Reverse Innovation”.

Our Vision

To be a global FinTech leader and transform the entire risk management space for the Banking and Financial Services by ‘Making in India’ through Reverse Innovation

Our Mission

To provide the much needed fillip to the banking industry in the risk management space by offering out-of-the-box products and solutions

Our Values

Customer Centricity

Delivery excellence

Continuous innovation


Our Vision


hind bahwan

Ms. Hind Bahwan

Founder and Chairperson,
Bahwan CyberTek Group

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durga prasad

Mr. S. Durgaprasad (DP)

Co-Founder Director and CEO,
Bahwan CyberTek Group

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Jaya Vaidhyanathan

Dr. Jaya Vaidhyanathan

BCT Digital

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