STEP 01
SECURE your financial institution
Reveal risks and gaps.Strengthen security.
View Step 01The Caribbean’s trusted Fintech partner
Make everymember interactionconnected.
RLG is a blend of consultancy and agency, combining expertise across ten interconnected domains for Caribbean entrepreneurs and businesses in financial services. Our three-step fintech transformation roadmap helps institutions secure their foundation, digitize banking and automate processes responsibly.
Fintech transformation roadmap
TRANSFORM your financial institution with FINTECH ›
A practical staged journey from institutional diagnosis and security, through connected banking, to controlled automation and data-led decisions.
- STEP 02
DIGITIZE your banking
Connect banking channels.Modernize core systems.
View Step 02 - STEP 03
AUTOMATE your processes
Automate routine work.Turn data into insight.
View Step 03
STEP 01
SECURE your financial institution
Diagnose institutional risk and root causes, then strengthen security, governance and technology administration.
STEP 01 SOLUTION
Clarity today. Performance tomorrow.
A Business Diagnostic & Advisory service that investigates risks, processes, capabilities, market position and operational performance to identify the problems, root causes, gaps and opportunities limiting growth, efficiency, compliance or customer value.
Diagnostic families
Risk & Compliance Diagnostics
Assesses exposure across governance, technology, operations, regulation, third parties, data and people.
Business & Process Diagnostics
Maps how work happens to reveal bottlenecks, duplication, weak controls and automation opportunities.
Business & Organisational Diagnostics
Examines structure, roles, capabilities, governance and the operating model behind delivery.
Market & Customer Diagnostics
Researches markets, competitors and customer experience to identify gaps, threats and opportunities.
Problem & Root-Cause Diagnostics
Defines problems, validates evidence and traces causes before solution options are recommended.
STEP 01 SOLUTION
Cybersecurity, IT governance and IT administration
Cybersecurity, IT Governance and IT Administration implementation that improves security posture and IT strategic alignment.
Implementation families
Cybersecurity
Assesses exposure, strengthens systems and prepares teams for monitoring and response.
IT Governance
Establishes frameworks, policy, risk ownership and accountable technology decision rights.
IT Administration
Administers identity, devices, collaboration, cloud resources and data controls consistently.
STEP 02
DIGITIZE your banking
Connect customer channels while modernizing the core processes and banking systems behind them.
STEP 02 SOLUTION
Connected banking across every touchpoint
Connects online banking, kiosk banking and digital wallet experiences around one customer journey.
Connected banking channels
Online Banking
Membership applications, secure access, balances, statements, payments, loans, requests, transfers and profile management.
Kiosk Banking
Over-the-counter cash and cheque services plus self-service registration, authentication, balances, payments and transfers.
Digital Wallet
Identity and KYC, cash-in and cash-out, P2P and QR payments, merchant payments, support, disputes and controls.
Extended implementationVisual Identity SystemDigital MarketingSalesCX
Explore ENGAGE 
STEP 02 SOLUTION
Core banking and business process management
Core Banking System (CBS) and Business Process Management (BPM) implementation aimed at modernizing core banking.
Connected implementation layers
Business Process Management (BPM)
Maps, improves and digitizes financial-institution workflows so responsibilities, handoffs, controls and reporting are governed as work happens.
Core Banking System (CBS)
Configures the same operational domains in one connected core record spanning customers, accounts, lending, transactions, ledger, branches, controls and reporting.
STEP 03
AUTOMATE your processes
Apply controlled automation and data science to repeatable operations, insight and informed decisions.
STEP 03 SOLUTION
AI and automation implementation
AI and Automation implementation for the repeatable operations a financial institution runs every day, with people still making the decisions.
Capability and operating domains
Customer & Member Management
Onboarding checks, record updates and routine member requests.
Deposit & Account Management
Account opening steps, maintenance tasks and status updates.
Loan Management
Application intake, document extraction and assessment support.
Transaction Processing
Processing, matching and exception triage at volume.
General Ledger & Accounting
Posting support, reconciliation assistance and close checklists.
Interest, Fees & Charges
Interest, fee and charge calculations applied automatically.
Payments & Funds Transfer
Payment instruction validation and transfer routing.
Branch & Teller Operations
Queue management and counter support for branch teams.
Security, Controls & Audit
Control checks, alerting and evidence capture.
Reporting & Regulatory Compliance
Report preparation and regulatory submission support.
STEP 03 SOLUTION
Data analytics and data science
Data Analytics and Data Science implementation that delivers insight from customer data and activity, and predicts future behaviour.
Data-science operating domains
Customer & Member Management
Segmentation, lifetime value and attrition signals by member.
Deposit & Account Management
Balance behaviour, product take-up and deposit trends.
Loan Management
Credit risk indicators, arrears prediction and portfolio health.
Transaction Processing
Volume patterns, anomaly detection and channel shift.
General Ledger & Accounting
Profitability by product, branch and channel once cost is included.
Interest, Fees & Charges
Pricing, interest and fee income analysed over time.
Payments & Funds Transfer
Payment behaviour, failure causes and settlement patterns.
Branch & Teller Operations
Branch traffic, staffing demand and service-time analysis.
Security, Controls & Audit
Fraud indicators and control effectiveness measured.
Reporting & Regulatory Compliance
Regulatory and board reporting produced from one definition set.
Ready to strengthen your institution?
Expertise ›
Ten connected disciplines. One fintech partner.
ICT
Artificial intelligence, data science, governance, cybersecurity, administration, architecture and systems.
Business Strategy
Brand, business, operating and organizational models through to growth, marketing, sales and CX strategy.
Business Management
Strategic planning across finance, IT, operations, projects, risk, compliance, HR, marketing, sales and CX.
Business Development
Research and solution development through pipeline building, negotiation and implementation handover.
Entrepreneurship Development
Ideation through business, design, media, marketing, sales, CX and funding support for new ventures.
Visual Design
Illustration, brand, UI/UX, advertising, print, publication, packaging, motion, environmental and interior design.
Digital Media Production
Writing, publication, video, TV, audio, music, film, animation, interactive media and game production.
Digital Marketing
Website, content, email, PPC, mobile, social, affiliate, SEO/SEM, AIEO/AIEM and display advertising.
Sales
Personas, enablement and funnels through prospecting, discovery, objections, closing and follow-up.
CX
Personas, touchpoints, onboarding, omnichannel service, knowledge, help desk, loyalty, referral and CRM.
Financial-sector focus ›
Built for the entrepreneurs and businesses that move money, manage risk and serve customers.
RLG works across the financial-services sector in Trinidad and Tobago and the wider Caribbean — credit unions, credit agencies, commercial banks, neobanks, non-bank financial institutions, collective investment schemes, fintechs, insurance and investment companies, brokers and agencies, and insurtechs.
10
Customer Segments
10
Enterprise Solutions
2
People Solutions
1
Fintech Partner
Featured focus
Where fintech strategy becomes working systems
Focus area
ENGAGE Ecosystem
- Online banking
- Kiosk banking
- Digital wallet
- Visual identity, digital marketing, sales and CX.
Focus area
Operational Transformation
- Cybersecurity and IT governance
- Core banking (CBS) and BPM
- AI and automation
- Data and analytics