Leading private equity, hedge fund, and asset management firms rely on ThoughtFocus to provide the deep experience and vertical expertise needed to solve critical and complex business, process, and technology challenges.
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ThoughtFocus' payments expertise spans a broad range of solutions and services – all customizable to your unique business needs. With a proven track record in custom development, our experts handle everything from platform optimization to complex EMV engineering, even designing your solution from the ground up.
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Advanced, technology-enabled solutions, business process outsourcing, and re-engineering services for the entire lending and mortgage ecosystem.
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ThoughtFocus keeps you as lean as you can be with solutions for embedded technologies, cloud, enterprise modernization, and everything else.
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Every aspect of transportation and logistics is changing. ThoughtFocus will keep you continuously modernized, competitive, and efficient.
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There's a new future ahead, and you're helping create it. ThoughtFocus is your partner in innovation, digital modernization, and continuous growth.
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For asset managers who are scaling their businesses, ThoughtFocus solves the challenges of gathering and presenting data from many sources and systems while helping to secure critical, top-down support for data governance. With seamless technology integration, streamlined business processes, and simplified, automated workflows, data will be managed centrally with data quality and accountability, and information output will become simpler, more secure, and easily scalable.
- ThoughtFocus data governance strategies begin by defining a data governance team, providing a full implementation solution, and including steps to assure adoption of the data governance solution
- Data governance strategies may encompass asset class processes such as credit derivatives, hedge funds, fund of funds, liquid and non-liquid funds, private equity, and real estate as well as processes related to the collection and processing of data under the GDPR and CCPA
- ThoughtFocus Master Data Management seamlessly integrates data across multiple systems, and provides integrated workflows for managing enterprise IDs across the business
- Offshore business process management, led by the ThoughtFocus Digital Operations Group, will be designed and implemented for each client’s need with quick turnaround to ensure continuous flows of data
- Governance process flows will assure data quality and centralize the use of enterprise IDs
- ThoughtFocus Security Master solution maintains master data for funds, legal entities, partnerships, investment vehicles, and accounts, with customizable security attributes
For private equity fund managers and others who allocate investment returns or capital gains, ThoughtFocus solves the complexity and absolute precision challenges of managing highly-configurable waterfall distribution models. These solutions include designing and implementing the related business workflows to ensure models are accurately maintained and continuously updated as changes in partnership holdings occur.
ThoughtFocus experts build solutions, automate existing manual processes, and integrate with current systems to support any of the following areas:
- Calculation of a multitude of different carry models, including Cash Carry on Sale or on Income, Accrued Carry, and Composite Waterfalls for SMA vehicles
- Calculation of Public Markets Equivalent that must be incorporated into the waterfall engine by simulating buying or selling of the given Index at that day’s price, as invested in the fund
- Audits that occur every time the waterfall is processed with unique process identifiers for each limited partner
- Multi-tier waterfall calculation based on cumulative values, including return of capital, hold-back for expenses, giveback of expenses with management fee reductions, preferred returns, catch-up percentages for each limited partner, and fully carry
- Separate accommodation of income and disposition waterfalls
- GAAP liquidation scenario modeling and Capital Account Summary statement generation
- Calculations for end-of-life clawback (GAAP) and interim clawback in which the excess carry is returned to the limited partner
- Provision for Backend Preferred Return percentage for clawback calculations
- Tranche-level GAAP carry for general partner redistribution in which carry produced by each tranche is maintained in isolation, without impact from losses in other tranches
ThoughtFocus Investor Portals are collaborative, digital workspaces that enable secure information sharing, communication, and document storage. Seamlessly integrated with external systems, they are purpose-built for every investment partner, administrator, and client who is authorized to access them. All users will benefit from streamlined and automated document workflows, advanced analytics, including dashboards and interactive reporting, and 24/7 access from remote and distributed locations.
ThoughtFocus Investor Portals deliver a secure and unified collaborative workspace for private equity, real estate, credit, and fund of funds reporting, supported by a centralized data mart across multiple verticals that continuously aligns content and workflows. Investor Portals provide your firm with a single source of truth by providing:
- Dashboards and interactive reporting for financials such as capital account statements, distributions, capital calls, and monthly investor factsheets
- Workflows for investor reporting, including the automatic generation, validation, and distribution of capital account reports through a single portal
- Visualization of investor data through bar graphs and pie charts with drill-down capabilities
- Data integration with fund accounting systems to drill down to top ten holdings, viewable by industry and sector
- Secure integration with external fund administrators and financial auditors for document distribution and data
- Ability to stage documents and data before publishing content with action required indicators
- Seamless CRM integration to govern and manage Portal contacts and user entitlements and privileges
- Integration with master data management for accurate and secure company and client access, supported by audit capabilities
- Portfolio company data integration from third party providers for added transparency
- Enhanced communication through configurable banners, alerts, and customized, content-driven emails
Asset management firms must overcome mounting business complexity challenges related to fund management strategies to experience continued growth. Recently, talent shortages, too, are hindering growth strategies. ThoughtFocus provides solutions for asset management firms that attack these barriers by simplifying and automating data structure and workflows, and providing the resources needed to accelerate growth.
- ThoughtFocus identifies, designs, and implements solutions that accelerate growth with automated, scalable workflows for centrally managed data across multiple verticals
- ThoughtFocus Master Data Management governance supports market valuation and general ledger solutions by integrating with:
- Customer Relationship Management (CRM) solutions for deals management and on-boarding
- Fund accounting waterfall calculations to eliminate Excel-driven processes and automate the allocation of investment returns or capital gains among fund participants
- ThoughtFocus uses industry-leading solutions such as INVESTRAN for partnership accounting to support and integrate accounting operations, and financial, investor, and management reporting
- ThoughtFocus can design and develop Investor Portals that provide collaborative digital workspaces for secure information sharing, communication, and document storage
- Streamline and automate document workflows, advanced analytics, and 24/7 access to secure information from remote and distributed locations
ThoughtFocus provides a full needs analysis and orchestrates the evaluation and selection process for firms selecting an order management system (OMS)/execution management system (EMS). By applying deep, vertical expertise, ThoughtFocus experts identify, select, and integrate the best-fit order management solution to support the range of product transactions the firm supports.
ThoughtFocus delivers an integrated, flexible, and adaptable OMS/EMS solution for any client’s needs through existing product/platform services for the front office that support:
- Develop selection criteria based on unique client requirements and serve as liaison between multiple vendors and the client
- Buy and sell flows for institutional, wholesale, and retail trading firms, including single and multiple order requests
- Trade flows for buying and selling equity and fixed income products, including currencies for leading broker/dealer platforms
- Implementation of modules to perform best price calculation for derivative products
- Income rates, currencies, and links with other alternative trading systems
- Interfaces for financial information exchange connectivity with broker/dealers, OMS and EMS engines, and market data access
- Risk and compliance solutions including real-time trade monitoring and compliant trade surveillance that monitors prohibited activities, provides configurable block and hold capabilities, regulatory notifications, and implementation of SEC Rule 15C3-5 and MiFID II RTS 6
- Financial information exchange solutions to create buy and sell flows for broker/dealers with low latency order flow
- Customizations of the OMS/EMS solution using REST APIs
ThoughtFocus transforms how asset management firms manage partnerships and allocations of alternative investments across highly-complex structures and legal entities. With deep design, implementation, and integration experience, ThoughtFocus experts simplify and automate complex partner accounting processes, unify disparate data, and increase efficiencies across front, middle, and back-office processes.
ThoughtFocus experts leverage over 30 years of asset management experience to advise your firm in the selection, implementation, and customization of the right system based on your asset classes, complex strategies, and current workflows. Our seasoned experts will help your firm:
- Develop customizations and embed custom solutions like waterfall calculations to support complex legal entity partnership allocation and computational flexibility
- Integrate front-end systems with asset-driven subledger accounting systems such as Investran, Anaplan, and Allvue to manage the month-to-month and quarter-to-quarter valuation and income distribution across partners, eliminating Excel-driven manual processes
- Implement data governance and master data management to consolidate and centralize data across downstream systems, to produce consolidated financial statements and publish them to investor portals to increase transparency, minimize risk, and ensure audit compliance
- Develop turnkey reports that unify data across specialized systems, eliminating the need for manual, Excel-based reporting
- Integrate to a general ledger system such as Oracle Financials to reduce manual, back-office entries
ThoughtFocus reduces the operational and technical overhead associated with fund management by developing the business process workflow integration needed to reduce redundancy, unify disparate systems, and ensure consistent data across silos.
ThoughtFocus supports the full lifecycle of fund management by designing and implementing business process workflow integration that helps your firm to:
- Integrate with CRM systems like Salesforce to support institutional investors in their fundraising efforts and investor relations management
- Implement complex deals management strategies supported by centralized data from specialized systems and disparate data sources
- Manage front-office deals management systems and processes across multiple funds and asset classes
- Eliminate manual investment tracking and reporting, increase scale and productivity, and ensure risk and compliance by implementing an asset-level subledger system and data governance strategies
- Automate complex, month-to-month valuation reporting and distribution by integrating third-party valuation data and models
- Increase investor transparency by generating, reviewing, auditing, and approving investor financial statements for posting to the investor portal through integrated workflows
- Gain critical insights from cash and liquidity reports to drive informed decisions on deals management
- Reduce back-office operational overhead associated with wind-down processes, acquisitions, and general ledger integration
From sourcing and pipeline management to fundraising and investor onboarding, ThoughtFocus digitizes and prioritizes your offering memorandums, reduces manual processes, and streamlines your deals management solutions so you can manage and close more deals, faster.
ThoughtFocus supports the full lifecycle of a deal through expert services designed to:
- Integrate and customize front-office CRM and deals management solutions such as Salesforce and DealPath to reduce manual processes and improve fund management workflows
- Streamline deals management workflows across fundraising, deal sourcing, pipeline management, investor onboarding, and portfolio and digital operations
- Employ AI and machine learning models and technologies to digitize, consolidate, and parse offering memorandum data to quickly surface the top 10 investment deals based on defined decision criteria
- Partner with digital operations to reduce the manual effort associated with onboarding, verifying, and parsing current and historical offering memorandum data
- Continually improve the deals management process by providing reports and analysis that surface insights and reveal the impact of investment decisions
- Integrate with fund accounting systems to ensure closed-loop expense allocations for the funds
- Build custom cloud solutions that eliminate manual processes and data workflows
ThoughtFocus simplifies the complexity of portfolio accounting and increases scale by integrating multiple, best-of-breed solutions and workflows across asset classes. As a result, your firm will gain a holistic view of data across asset classes, allowing you to automate manual processes, minimize risk, remain compliant, and increase speed and accuracy of reporting.
ThoughtFocus experts apply their deep portfolio accounting system domain expertise to help your firm:
- Integrate siloed portfolio accounting systems through the development of a subledger or custom data warehouse solution that spans asset class solutions
- Consolidate disparate data to provide a holistic view of asset classes across the firm, enabling complete, end-to-end fund asset and accounting processes
- Support firm-wide accounting and reporting by managing legal entities for investors, holding companies, and allocations across multiple systems
- Employ data governance and master data management strategies to disseminate the legal entity’s data across multiple portfolio accounting and back-office systems using a unique enterprise identifier architecture
- Reconcile data from multiple systems and publish interactive information to the investor portal through various formats including financial statements and data visualizations using dashboards with charts and graphs
- Produce and automate consolidated, month-end net asset value reports, capital accounts statements, and financials at the fund, investor, and corporate levels
- Minimize manual data consolidation across front-, middle-, and back-office processes through systems integration
- Reduce risks and eliminate errors associated with manual data reclassification and reconciliation by integrating data from multiple systems via a centralized data warehouse
- Add new portfolio accounting system data – and preserve historical fund data – through an integrated data warehouse that provides data ownership and robust controls
When your firm is looking for a new system to support complexity across multiple asset classes, business processes, and workflows, you need an experienced evaluation partner you can trust. With experience spanning multiple verticals and leading solutions providers, ThoughtFocus experts support the full, end-to-end process of vendor evaluation, selection, customization, and implementation.
ThoughtFocus experts will lead your firm through an unbiased, step-by-step vendor evaluation process from discovery through implementation that results in your firm choosing the right vendor to meet your unique needs. Our experts will deliver:
- A discovery process that documents current-state systems, business processes, workflows, and performance across areas such as fund and portfolio accounting, subledgers, and order management systems (OMS)/execution management systems (EMS)
- Observations and recommendations for improvement that drive requirements for future-state systems, processes, and workflows
- Detailed requirements across capabilities such as technology, security, support, upgrades, customization, and data access and sharing
- Data governance criteria to ensure seamless integration with existing front-, middle-, and back-office systems, business processes, and data workflows
- A data and requirements matrix that evaluates system vendors across a variety of prioritized categories and dimensions
- A vendor valuation matrix and scorecard which provides output based on weighted values driven by key stakeholders in the firm
- Due diligence to ensure your firm selects the right solution to drive strategic alignment, cost efficiency, faster time-to-market, and reduced workload for your staff
- Implementation services to ensure proper integration and customization of the selected system in support of future-state business processes
ThoughtFocus tackles a wide range of application needs enabling clients to meet mission critical, complex business goals with speed and ease. We have delivered highly automated, state of the art application environments for some of the toughest challenges: ground-breaking mobility solutions, end-to-end design and development of eCommerce platforms; Loyalty and Rewards programs; intuitive, customer-facing risk management solutions; and highly complex web development and dashboard projects.
Every project is approached with thorough knowledge of the best-fit industry standard tools, and a wealth of utilities developed uniquely to meet a growing array of project demands. We assure success with experienced project managers dedicated to complete transparency, measured progress, and proven, methodical approaches to day-by-day problem solving.
The ThoughtFocus engineering approach is to deliver scalable, easily maintained applications engineered for future needs. Our robust and continually enhanced delivery framework ensures that projects are delivered on time, within budget, and with demonstrated high quality. Every ThoughtFocus development project is executed with a proven approach:
Assessment and Strategy
- Assess the current, as is scenario
- Identify the ideal transformation strategy for each environment and set of business needs
- Coordinate vendor evaluations to help select the ideal tools and technologies
Customer experience design
- Mapping the customer journey from end to end to ensure the best user experience
- We bring UX experts to each project to assure the optimum customizations
Omnichannel eCommerce
- Designing and building eCommerce applications that are accessible from multiple devices, with a mobile-first approach when desired
Analytics and data visualization
- Enterprise-wide data management and data governance
- Complex multi-technology solutions
- Data visualization in real time
Internet of Things (IoT)
- Firmware and gateway design and development
- Comprehensive suite of Quality Assurance services
- Automation, using bots and artificial intelligence as desired for maximum efficiency – including efficiency gains over time with machine learning
A Quality Assurance (QA) partner must weave together a full breadth of service offerings, tools, expertise, methodologies, and practice area expertise. ThoughtFocus will partner with your product teams, enabling them to focus on achieving the best business outcomes while minimizing concerns with application reliability. Our approach is to identify and focus on areas that can be automated, delivering rapid business ROI. We perform the verification and validation to ensure your products and applications are delivered just in time at low cost.
To deliver the best QA solutions, ThoughtFocus has powerful alliances with leading tool vendors for testing and proven engineering expertise in building products and enterprise applications. By taking a product-centric approach, we ensure ongoing flexibility and futureproofing of our clients’ technology. ThoughtFocus offers:
Digital Testing Services
- API and Microservice Testing
- Extreme Automation
- Mobility, Agile and DevOps Testing
- Artificial Intelligence / Machine Learning
- Robotic Process Automation
- Cloud Testing Services
Core Testing Services
- System Testing and System Integration Testing
- Smoke Testing and Regression Testing
- User Acceptance Testing
Test Consulting
- Assess, Build and Deploy
Specialized Testing Services
- Security Testing
- Performance Testing Services
Regulatory Compliance
- Aerospace Verification and Validation
- Regulatory Compliance Testing (GDPR, PCI DSS, and more)
The goal of DevOps is to deliver high quality solutions with shorter life cycles. ThoughtFocus accomplishes this through the expertise of its experienced DevOps strategists and planners, proven technologies, and project methodologies. We begin by assessing your existing environment and readiness for agile adoption, determining the best opportunities for productivity gains through automation, and developing the optimum solution architecture for each project.
Then, our playbook-driven methodology and thorough, documented assessments ensure the best recommendations for the ideal DevOps outcomes – with minimal resource consumption over the long term for maximum DevOps value.
ThoughtFocus offers advisory services, customized end-to-end DevOps implementation, and managed operations and monitoring to assure your technology investments. ThoughtFocus DevOps solutions are designed for enterprises with best-in-class cloud management including automation, optimization, governance, and security.
24/7 Managed Operations
- Automation study
- Process identification
- Workflow identification
- Management
- Deployment support
- Patch updates
- Log management
- Incident management
- Change management
- Service request management
- Problem management
Cost Optimization
- Track cloud utilization
- Capacity management
- Upsize and downsize servers
- Automated start/stop of non-production systems
- Deletion of unused services
- Re-architecture development for better performance
- Spot instance planning
- Multi-cloud strategy
Governance & Reporting
- ITSM-based ticketing tool
- ITIL framework-based project management
- PMP Certified service delivery managers
- Strict adherence to defined SLAs
- Multiple cloud accounts management
- Access management
- Daily, weekly, monthly reports
- Uptime reports
Security & Compliance
- Cloud-native security
- Access management
- VPN support
- Firewall support
- SSL management
- DDoS monitoring and support
- WAF management
- Anti-virus protection
- DNS management
- Vulnerability assessments
- Server encryption
Enterprise systems perform best when continuously maintained and upgraded, but advances in technology – including cloud solutions, artificial intelligence, and machine learning – mean it can take far too long to benefit from major upgrades. ThoughtFocus' Legacy Modernization solution is applied to legacy systems that are due for structural change to yield the greatest business value. Then, a customized solution is structured that identifies the best path to unlocking quantum improvements in business value from legacy systems.
ThoughtFocus determines the best modernization approach and project structure for each engagement.
ThoughtFocus Legacy Modernization projects typically begin by mapping the application portfolio for a given business area while maintaining a focus on the critical business goals the legacy system are meant to fulfill. This map then serves to drive the transformation journey. Other modernization features:
- Perform a thorough “as is” determination of the existing system landscape in light of current business priorities
- Determine the optimal modernization model to apply, and defining a set of engineering guidelines to govern the implementation
- As plan execution begins, detailed requirements are defined along with a roadmap and implementation plan, and potential quick wins are identified to speed the capture of business value from the new solution
- During the execution phase, ThoughtFocus designs the future architecture together with design standards and guidelines
- Quick wins are implemented, and requirements are validated
- User Acceptance Testing (UAT) is implemented and feedback from the UAT phase is captured and implemented
- Finally, each modernized system is thoroughly documented and handed over to the customer support team
ThoughtFocus is a leading expert in the design, development, and customization of acquiring and issuing switch platforms. Leveraging deep technical expertise and industry knowledge, we can build your solution from the ground up, based on our own proven frameworks, or modernize your existing legacy infrastructure. Our teams are skilled at transforming multi-vendor switch architectures into streamlined yet scalable solutions, capable of processing transactions with incredible speed and resilience. All while we remain focused on optimizing your processes, reducing costs, and driving a superior payment experience.
- A typical solution supports the full spectrum of payment transactions including credit, debit, EMV chip-and-signature, EMV chip-and-PIN, CTLS, ATM, and e-Commerce.
- Our expertise in advanced encryption technology protects your business – and customers – from fraud and data breaches. Our teams are experienced in point-to-point (P2PE), end-to-end (E2E) and PIN encryption, as well as 3D Secure and tokenization.
- ThoughtFocus leverages cutting-edge technologies such as machine learning and artificial intelligence to optimize processes and transaction management. High-performance algorithms drive higher throughput and availability.
- Our solutions include processing mechanisms for both on-us and off-us transactions, enhancing the payment experience.
- Tailored functionality supports the entire end-to-end settlement process, including the formulation, reconciliation, and transmission of data between merchant, acquirer, and issuer.
- In addition to our expertise modernizing legacy systems, ThoughtFocus is skilled in developing custom solutions. Using pre-built products and frameworks, such as our own SparkTransact, we can custom build a solution that’s tailor-made to your business.
- Our SparkTransact framework integrates seamlessly with all major payment and card networks, including Visa, MasterCard, American Express, Discover, JCB, CUP, and Diners Club.
- Custom functionality guarantees compliance with card network mandates and certifications. Stand-in-processing and store-and-forward capabilities ensure a seamless payment experience.
- Our teams are skilled in working with a range of messaging protocols, from legacy standards such as ISO 8583 through to more current formats such as XML and JSON. Whatever your requirements, we tailor your platform to ensure failsafe authentication and authorization.
- SparkTransact features an inter-process communication framework called XCOM, which facilitates multipoint communication between APIs. Reducing complexity and increasing stability, XCOM drives the highest possible throughput.
- Continuous updates and enhancements drive peak performance and ensure compliance with industry regulations.
ThoughtFocus develops customized offerings for single-brand and multi-brand loyalty programs. Our loyalty platforms are tailor-made to the individual needs of your brand, delivering the convenience, consistency, and security today’s customers expect. Dedicated web-based and mobile applications engage and incentivize loyalty members, using location technologies to personalize the customer experience.
- ThoughtFocus designs custom offerings for single-brand and coalition loyalty programs. Easy to deploy across multiple locations, platforms can be built on your existing legacy framework – or on one of our own platforms, such as SparkLoyalty.
- An end-to-end transaction engine drives speed and consistency, providing a seamless loyalty experience.
- We build loyalty point-of-sale (POS) applications to handle multiple transaction types, including magnetic stripe cards (MSR), QR codes, card-based or digital barcodes, and Near Field Communication (NFC).
- Seamless integration with your POS infrastructure unifies the shopping and loyalty experience, driving more cohesive and engaging customer interactions.
- Custom web portals act as an engagement hub for loyalty members. Responsive design enhances the user experience, as customers browse promotions, manage their spending, and redeem points.
- State-of-the-art mobile apps provide another gateway to your loyalty program. Geolocation tracking and push notifications enable personalized promotions, optimizing the member experience.
- Our platforms support gift card and voucher schemes. Cards can be issued in a variety of formats with unique gift card numbers to enable tracking.
ThoughtFocus expertise in point-of-sale (POS) solutions spans traditional, mobile and virtual terminal applications. Our broad-spectrum experience is backed by in-depth technical knowledge – giving us a deep understanding of how best to architect your solution. Our engineers have earned their stripes in a diverse range of projects, from complex in-store platforms to virtual terminal solutions and simple mobile apps. We’re there for our customers across the entire development lifecycle – from concept and design to testing and certification. We can custom build your solution based on our own proven frameworks, or modernize your systems to create new business value. Either way, we strive to deliver a seamless POS solution that is tailored to your business.
Traditional POS Solutions
- ThoughtFocus has long-standing expertise in designing solutions that integrate with traditional payment terminals such as Ingenico, VeriFone, Pax, and Equinox, driving seamless communication via Ethernet, GPRS, and dial-up
- Our teams are specially trained in Ingenico and Verifone platforms, giving us more freedom to innovate and add value. We can add custom applications and value-added services to traditional android-based POS devices from providers such as Castles Technology
Mobile POS Applications
- ThoughtFocus is quick off the mark when it comes to mobile apps, custom building your mPOS application based on our own pre-built framework, where applicable
- Our expertise in point-to-point and end-to-end encryption maximizes security and eases compliance
- Our teams work with the latest mPOS innovation including card readers, printers, and all-in-one devices such as BBPOS, ID TECH, MagTek, BlueBamboo, Woosim, and Bixolon
- Pre-certified SDKs for semi-integrated applications accelerate development for independent software vendors and large-scale retailers
Virtual Terminal Applications
- ThoughtFocus custom builds browser-based virtual terminal applications that support secure card-present and card-not-present transactions
- Our teams know what it takes to build a secure semi-integrated architecture. We ensure compatibility between your virtual terminal and common PIN pads from Ingenico, Verifone, and PAX Technology
- We develop highly secure hosted checkout pages, so merchants can accept payments online while protecting customer data, eliminating the need for excessive PCI compliance
Testing and Certification
- Our teams take full ownership of EMV testing and certification, using the UL Brand Test Tool and ICC Test Kit to qualify your terminals for contact and contactless transactions
At ThoughtFocus, we know what it takes to build best-in-class omnichannel payment experiences. We have successfully launched e-Commerce solutions for some of the world’s leading retailers. Our experience spans multiple industries and geographies – and we have the technical expertise to solve your most complex payment challenges. Whether you’re looking to optimize an existing open-source platform, or build a custom solution that better meets the needs of your business, our innovative teams and technology deliver a seamless e-Commerce experience across multiple channels and devices.
- ThoughtFocus can optimize your existing shopping cart platform – or custom build a new storefront from the ground up. Either way, you’ll be sure to get a platform that works for your business and drives a seamless omnichannel experience
- We’re skilled at building one-click integrations between e-Commerce platforms and payment processors, so you can quickly bring on board new payment methods and enhance the payment experience
- Our expertise in card-on-file transactions ensures a faster and more secure checkout experience. We specialize in everything from tokenization technology to subscriptions and one-click payments
- Our teams are experienced in digital payment methods and our expertise spans hosted and open-source e-Commerce platforms, such as Magento, Zen Cart, BigCommerce, and VirtueMart
- Our experts make light work of complex integrations, building seamless scaffolding between your e-Commerce platform and existing systems such as ERP
- When it comes to compliance, our solutions have already done the heavy lifting, providing everything you need to minimize and manage PCI scope
ThoughtFocus has been working with payment gateways for over a decade, accompanying their evolution from a simple processing service to the highly intelligent and agile platforms we develop today. Our teams can build your solution from scratch, based on our own in-house frameworks, or remodel your existing systems to drive new value. We have in-depth experience of complex legacy architectures and the expertise to make them work for your business today. Whatever your requirements, our feature-rich platforms drive tighter security, higher acceptance rates, and lower costs.
- Our proven frameworks provide an optimal starting point for custom development, accelerating time-to-value. Our gateway framework, SparkConnect, comes with pre-built host integrations and certifications. SmartTrams provides an optimized framework for low-code or no-code transaction routing.
- Our teams are experienced in a range of messaging protocols, from ISO 8583 to XML and JSON. We can also develop custom protocols for greater flexibility and control.
- A typical solution features rule-based transaction routing algorithms and processing modules, designed to enhance merchant control and fraud protection.
- Our API-based platforms are designed to integrate seamlessly with multiple payment processors. Slotting effortlessly into your existing digital processes, our solutions drive a smoother omnichannel customer experience.
- PayFac interfaces ease merchant onboarding, providing Know Your Customer (KYC) checks in real time. Users can easily enable or disable merchants, update settlement options, and manage invoicing and billing cycles.
- Our solutions include development of pre-certified SDKs for independent software vendors, designed to ease compliance and minimize PCI DSS scope.
- Our platforms feature intuitive web portals for merchant management, transaction reporting, and reseller management.
At ThoughtFocus, we develop innovative solutions for cashless person-to-person (P2P) payments, each one tailored to the needs of your business – and your local or regional market. We can build your solution from scratch based on our own transaction management framework, or customize your existing platform to drive new business value. Providing users with a simple way to send and receive money, our solutions orchestrate complex transactions with speed, security, and ease. Our expertise spans multiple geographies, providing solutions tailored to your local market, yet equally ready to scale.
- Our proven transaction management platform, SparkTransact, provides a robust yet flexible foundation for your custom P2P solution, significantly accelerating time-to-value
- Our teams are experienced architects of mobile-based P2P solutions, tailoring each application to your unique business and customer needs
- Our solutions integrate effortlessly with Interactive Voice Response (IVR) technology, providing customers with a convenient self-service experience and automated authentication
- Seamless integration with SMS gateways keeps transactions moving, triggering immediate mobile payments and instant digital receipts
- Our solutions make light work of integration with wallet management engines, providing the speed, convenience, and security your customers have come to expect
- Our expert engineers can build integrations with any core banking system, ensuring secure management of money transfers and flawless execution
- Solutions can be customized to support P2P transfers at ATM machines, on online betting sites and utility payment apps, as well as your customers’ mobile phones
ThoughtFocus helps companies bridge the gap between diverse payment platforms and payment processors. With proven expertise in optimizing complex legacy architectures, our teams build custom scaffolding solutions that take the hard work out of integration and drive seamless inter-platform communication. Our design philosophy has been proven across multiple implementations, resulting in agile and scalable solutions that stand the test of time. Our constant commitment to customer value saves your business money and time.
- ThoughtFocus is experienced in building scaffolding solutions that seamlessly connect disparate platforms or applications within complex payment ecosystems. Each solution is based on deep analysis of individual IT and business needs
- Our teams have in-depth experience in working with diverse transaction types, multiple different processing systems, and current and legacy transaction protocols
- Our engineers lean on their strong track records to bring innovative approaches to solution design that ensure optimal communication between disparate payment platforms or subsystems
- Our unique approach to architecting solutions targets minimal to zero changes on both the POS terminal and processing side, driving lower costs and faster time-to-market
- Our teams are skilled at minimizing PCI scope and simplifying certification. Easing the burden on your business, we can manage the entire process end-to-end
ThoughtFocus takes the hard work out of EMV certification, providing expert advisory, management and engineering services across the entire certification life cycle. We understand your issues and help you find answers fast, simplifying and accelerating an otherwise painstaking and unpredictable process. We have earned the trust of our customers in numerous certification projects, mitigating risk, reducing costs, and adding business value. With our technical expertise and established industry presence, we quickly take you from where you are – to where you need to be.
Our experts are there for every one of your certification challenges – from scoping and analysis to solution engineering and testing. Our experience spans multiple terminal and certification types, and our automation tools and strong links with leading payment networks significantly shorten cycle times. We can even manage your entire certification end to end, easing the burden on your business and ensuring nothing is left to chance.
Our end-to-end proficiency in EMV engineering comprises the following services:
EMV Technical Advisory Service
- ThoughtFocus has long-standing expertise in EMV engineering, making us your trusted adviser for all manner of technical challenges. Our recommendations are aimed at mitigating risk and accelerating certification
- Scoping requirement workshops look closely at your business and technical requirements. Whether you’re expanding your payments infrastructure, or starting from scratch, we assess your EMV readiness and advise on next steps
- Our consultants carry out in-depth compliance assessments, matching your testing requirements to suitable tools. Targeted seminars transfer expertise to your teams, laying the foundation for successful certification
- Our subject-matter experts lend their EMV expertise to individual customer projects, providing actionable insights aimed at safeguarding security and easing compliance
EMV L3 Certification Management Service
- ThoughtFocus takes full ownership of your EMV L3 certification – from initial intake to the final Letter of Approval (LOA) – relieving your business of a complex and unpredictable process
- Our teams coordinate all contact between vendors, acquirers, and processors, handling all administrative tasks and ensuring critical intake forms are filled out correctly
- Our experts meticulously execute and validate test cases for EMV and MSR pre-qualification or regression. Where necessary, we test and re-test until the desired results are achieved, leveraging automation to drive up efficiency
- Our engineers carefully analyze and verify each card log and host log, ironing out any technical issues and, where required, consulting directly with terminal vendors, acquirers, and payment brands
- We submit all test results and artifacts to the relevant processor or card brand for validation. If further action is required, we re-test rigorously and efficiently until the LOA is in your hands
EMV Engineering Service
- Our experts manage the entire development process from discovery and design through to testing and certification. Our expertise in EMV engineering ensures a secure and compliant solution
- We start with a detailed scoping assessment, clearly defining your EMV requirements. At this stage, we also initiate the processor enrollment process and subsequent platform identification
- When it comes to designing your application or gateway, we leverage a broad range of proven frameworks and accelerators to speed development
- Our engineers have in-depth expertise in different EMV protocols, so you can be sure your solution delivers the utmost security and compliance
- We program the interface code between your application/gateway and payment processor to support seamless processing, routing, data mapping, and settlement of EMV transactions
- During a thorough testing phase, we quickly identify and resolve any defects, and/or coordinate with the customer engineering team, significantly shortening the certification cycle
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TF Pay provides the essential building blocks for your mobile point-of-sale (mPOS) solution, getting you to market faster with an industry-proven product. Ready to go out of the box, yet easy to make your own, companies can pick and choose which innovative features to deploy. Supporting the full range of mPOS transactions and compatible with Android and iOS, TF Pay delivers speed and convenience on a secure and stable architecture. Our experts can tailor your solution to tick all of your customers’ boxes, while personalizing the user experience to reflect the uniqueness of your brand. With the hard work taken care of, and quality guaranteed, you can enter the market with confidence – ahead of the competition.
- TF Pay provides standard payment transactions out of the box – from sales and authorizations to voids and refunds. Supported modes include EMV contact and contactless, magnetic swipe, and keyed-in transactions
- The TF Pay framework can be customized to the needs of multiple merchant types. Whether you’re targeting restaurants, transportation providers, or micro-merchants, the screen flow and features can be adapted to a wide variety of uses cases
- In cooperation with your teams, our experts ensure the look and feel of your application reflects your corporate design, so you can go to market with a solution that’s uniquely yours
- TF Pay offers the level of convenience today’s customers expect from a modern mPOS solution. Tip and tax processing and signature capture are all supported, alongside e-mail and printed receipts, thanks to seamless connectivity with mobile printers
- The TF Pay framework integrates effortlessly with mobile card readers from leading providers such as BBPOS, IDTech, Ingenico, and MagTek
- Our expertise in end-to-end encryption and cardholder data protection ensures your solution is secure and compliance-ready, minimizing the risk of data breaches
- Password-protected user access mitigates the risk of fraudulent activity, adding a vital layer of additional merchant protection
TF Connect provides a feature-rich configurable framework for industry-leading transaction processing solutions. Fully brandable and easily customized to the needs of your business, TF Connect accelerates time-to-market, building traction based on proven performance, reliability, and security. Offering full visibility at the transaction level, TF Connect forges seamless links between processors and gateways, and point-of-sale systems and payment terminals. Handling complex integrations with ease, the platform optimizes and accelerates transaction flow, driving a superior – and far faster – payment experience.
- TF Connect provides best-in-class transaction routing and aggregation services, and convenient web-based merchant management and transaction reporting
- The framework can be configured to your protocols and processes, meeting your business requirements and reflecting the uniqueness of your brand
- Pre-built interfaces drive seamless integration with payment processors, gateways and terminals – accelerating development, maximizing performance, and safeguarding compliance
- All standard payment transactions and messaging protocols are supported, with many more available – and customizable – as required
- TF Connect comes with rule-based routing logic, easily configurable for BIN-range-based transaction routing, enabling design of concurrent host connections. Additional routing algorithms can be added as custom features to meet your specific business requirements
- An intuitive web portal provides easy access to information, based on distinct roles and user hierarchies. Key features include:
- Brandable portal pages that are easily customized to your corporate design
- Account management capabilities, easing merchant onboarding and increasing transparency and control
- Customizable e-receipts and geo location capture to enhance marketing efforts and personalize the user experience
- Detailed transaction reporting with convenient drill-down options, intuitive search features, and flexible export capabilities
- TF Connect adheres to strict encryption/decryption standards and additional security layers can be custom built if required. The highest level of cardholder data protection mitigates risk and minimizes PCI scope
- Our expert engineers ensure your solution is fully compliance-ready, accelerating certification and saving costs
- TF Connect can be deployed flexibly as a hosted solution (PaaS) or a fully packaged turnkey product
TF Transact provides a robust yet scalable framework for acquiring and issuing transactions, accelerating custom development of complex switch solutions. The high-availability architecture comes with industry-proven features, easily configured to fit your business. What sets TF Transact apart is its agility and resilience, handling tens of thousands of transactions with a near-zero impact on performance. Based on years of ThoughtFocus expertise in technically challenging solutions, TF Transact also reflects our understanding of the changing payments landscape. Whether you’re an independent sales organization, payment processor, large retailer, or financial institution, TF Transact takes you to market faster with a proven and powerful solution.
- TF Transact supports the end-to-end processing cycle for acquiring and issuing transactions, formulating, reconciling, and transmitting data between merchant, acquirer, and issuer
- TF Transact connects seamlessly with virtually any card brand, terminal, or device. The framework provides high-performance processing for the full range of payment transactions – including credit, debit, EMV contact and contactless, ATM, and e-commerce
- The TF Transact framework comes with a plethora of industry-proven features – from merchant onboarding and fraud management to stand-in processing and BIN management. Capabilities can be flexibly configured to deliver the best value for your business
- TF Transact offers unlimited scalability, supporting any number of users, terminals, and merchants – at the same high level of performance. The framework is designed to handle high-throughput environments with typical processing requirements of over 700 transactions per second with 99.99% resilience
- Cutting-edge intelligent technologies drive higher throughput and availability. Thanks to dynamic routing and asynchronous queues, TF Transact delivers rapid quick-fire responses, even at high volumes
- TF Transact features our inter-process communication framework, called XCOM, supporting multipoint communication between APIs. Reducing complexity and increasing stability, XCOM drives the highest possible throughput
- Fully brandable, TF Transact provides a flexible foundation for your private-label switch solution. Supporting multiple institutions, currencies, languages, and channels, TF Transact covers all the bases, saving you time and money
- TF Transact conforms to rigorous industry standards, so you can build a secure and compliant solution that is certification-ready
- ThoughtFocus offers flexible deployment models to suit the needs of your business, providing TF Transact as a hosted solution (PaaS) or a packaged turnkey product
TF Loyalty provides a proven framework for custom loyalty solutions, increasing customer retention and enhancing brand perception. Whether you need a single-brand solution across multiple locations, or a coalition platform for a host of merchants and partners, TF Loyalty can be tailored to the precise needs of your business. An innovative rules engine manages rewards, redemptions, and promotions, calculating ratios that keep every stakeholder happy. With a high-performance architecture, backed up by innovative features, you can race to market faster with an industry-proven product.
- A high-performance transaction-processing engine engages multiple merchants, partners, and members in a seamless loyalty experience
- TF Loyalty supports multiple transaction types, including magnetic stripe cards (MSR), QR codes, card-based or digital barcodes, and Near Field Communication (NFC)
- Seamless integration with your POS infrastructure unifies the shopping and loyalty experience, driving increasingly consistent and engaging customer interactions
- An innovative rules engine calculates rewards, redemption, discounts, and fees, finding the best ratio to suit partners, merchants and members
- A secure web-based portal engages and incentivizes members, providing a convenient one-stop location to manage points and promotions. Responsive design enhances the user experience, driving up customer engagement and identification with the brand
- A dedicated web portal serves administrators, merchants, and partners, with privileges customizable to differing user roles. Intuitive features ease merchant and partner onboarding, while providing ample opportunity to manage and foster relationships
- State-of-the-art mobile apps provide another gateway to your loyalty program. Geolocation tracking and push notifications enable personalized promotions, optimizing the member experience
- Transparent real-time monitoring and flexible reporting options give clear and actionable insights into the effectiveness of customer promotions
- Fully brandable, TF Loyalty is easy to make your own, providing a superior user experience that reflects the uniqueness of your brand
- Fail-safe security standards ensure data is protected, fully encrypting member account details and all user credentials
- ThoughtFocus offers flexible deployment models to suit the needs of your business, providing TF Loyalty as a hosted solution (PaaS) or a packaged turnkey product
SMARTRAMS takes the hard work out of connecting with payment processors, slashing integration times and speeding time to market. Performing complex integrations without additional coding, SMARTRAMS reduces your development effort from months to a matter of days. Functioning as a ready-made payment gateway development kit, SMARTRAMS comes with pre-built templates and a comprehensive data matching library. This makes it easier to recognize and interpret the unique data fields used by different processors, dramatically simplifying the data mapping process. Ultimately, SMARTRAMS takes you to market faster, driving a seamless payment experience.
- SMARTRAMS easily interprets and integrates with a diverse range of different data fields, thanks to a unique data field normalization and matching library
- RESTful APIs drive seamless connections with payment processors, using the flexible JSON format to map data
- Ready-made templates allow teams to define specific rules, accelerating data mapping to the required fields. Conditional mapping is also available
- SMARTRAMS leverages industry-standard security protocols and authorization frameworks, ensuring your data is protected at all times. This includes the data matching library, which complies with the highest security standards
- SMARTRAMS comes with comprehensive documentation to supplement an already user-friendly interface. Customers also benefit from regular enhancements and software updates, as well as 24/7 support
TCube features a suite of transaction test tools, designed to accelerate certification of magnetic stripe reader (MSR) devices. Automating testing and validation, TCube streamlines an otherwise painstaking process, achieving new levels of accuracy and transparency. Speeding through hundreds of test cases in record time, TCube simulates processor integrations and transaction processing across multiple payment brands and devices. Automating the entire process end to end dramatically reduces your testing effort – from days or weeks to minutes or hours. This accelerates EMV certification, reducing costs and speeding time to market.
- TCube analyzes the list of MSR test cases provided by the processor, automatically executing these at speed and validating the results
- Leveraging automation, TCube has the capacity to execute hundreds of test cases per hour, a task that would usually take days to complete manually
- When test cases fail, TCube pinpoints exactly where the issue lies, so developers know what needs to be fixed and why. This avoids unnecessary iterations and a prolonged back-and-forth between the payment service provider and processor
- TCube generates MSR tracking data, eliminating the need to purchase, and continuously update, physical cards
- A transparent four-level tree view categorizes MSR test cases by card brand, industry, and transaction type, making it easier to identify patterns in any defects
- TCube features convenient recovery capabilities, so that testing can be picked up from a previous day without impacting the efficacy or validity
- Test cases are fully documented, providing a clear description of the test procedure and expected results, increasing the clarity and transparency for developers
- Detailed reporting on test execution keeps stakeholders updated on the status of certification. Users can create transparent reports within the system and export these easily to MS Excel
ThoughtFocus tackles a wide range of application needs enabling clients to meet mission critical, complex business goals with speed and ease. We have delivered highly automated, state of the art application environments for some of the toughest challenges: ground-breaking mobility solutions, end-to-end design and development of eCommerce platforms; Loyalty and Rewards programs; intuitive, customer-facing risk management solutions; and highly complex web development and dashboard projects.
Every project is approached with thorough knowledge of the best-fit industry standard tools, and a wealth of utilities developed uniquely to meet a growing array of project demands. We assure success with experienced project managers dedicated to complete transparency, measured progress, and proven, methodical approaches to day-by-day problem solving.
The ThoughtFocus engineering approach is to deliver scalable, easily maintained applications engineered for future needs. Our robust and continually enhanced delivery framework ensures that projects are delivered on time, within budget, and with demonstrated high quality. Every ThoughtFocus development project is executed with a proven approach:
Assessment and Strategy
- Assess the current, as is scenario
- Identify the ideal transformation strategy for each environment and set of business needs
- Coordinate vendor evaluations to help select the ideal tools and technologies
Customer experience design
- Mapping the customer journey from end to end to ensure the best user experience
- We bring UX experts to each project to assure the optimum customizations
Omnichannel eCommerce
- Designing and building eCommerce applications that are accessible from multiple devices, with a mobile-first approach when desired
Analytics and data visualization
- Enterprise-wide data management and data governance
- Complex multi-technology solutions
- Data visualization in real time
Internet of Things (IoT)
- Firmware and gateway design and development
- Comprehensive suite of Quality Assurance services
- Automation, using bots and artificial intelligence as desired for maximum efficiency – including efficiency gains over time with machine learning
A Quality Assurance (QA) partner must weave together a full breadth of service offerings, tools, expertise, methodologies, and practice area expertise. ThoughtFocus will partner with your product teams, enabling them to focus on achieving the best business outcomes while minimizing concerns with application reliability. Our approach is to identify and focus on areas that can be automated, delivering rapid business ROI. We perform the verification and validation to ensure your products and applications are delivered just in time at low cost.
To deliver the best QA solutions, ThoughtFocus has powerful alliances with leading tool vendors for testing and proven engineering expertise in building products and enterprise applications. By taking a product-centric approach, we ensure ongoing flexibility and futureproofing of our clients’ technology. ThoughtFocus offers:
Digital Testing Services
- API and Microservice Testing
- Extreme Automation
- Mobility, Agile and DevOps Testing
- Artificial Intelligence / Machine Learning
- Robotic Process Automation
- Cloud Testing Services
Core Testing Services
- System Testing and System Integration Testing
- Smoke Testing and Regression Testing
- User Acceptance Testing
Test Consulting
- Assess, Build and Deploy
Specialized Testing Services
- Security Testing
- Performance Testing Services
Regulatory Compliance
- Aerospace Verification and Validation
- Regulatory Compliance Testing (GDPR, PCI DSS, and more)
The goal of DevOps is to deliver high quality solutions with shorter life cycles. ThoughtFocus accomplishes this through the expertise of its experienced DevOps strategists and planners, proven technologies, and project methodologies. We begin by assessing your existing environment and readiness for agile adoption, determining the best opportunities for productivity gains through automation, and developing the optimum solution architecture for each project.
Then, our playbook-driven methodology and thorough, documented assessments ensure the best recommendations for the ideal DevOps outcomes – with minimal resource consumption over the long term for maximum DevOps value.
ThoughtFocus offers advisory services, customized end-to-end DevOps implementation, and managed operations and monitoring to assure your technology investments. ThoughtFocus DevOps solutions are designed for enterprises with best-in-class cloud management including automation, optimization, governance, and security.
24/7 Managed Operations
- Automation study
- Process identification
- Workflow identification
- Management
- Deployment support
- Patch updates
- Log management
- Incident management
- Change management
- Service request management
- Problem management
Cost Optimization
- Track cloud utilization
- Capacity management
- Upsize and downsize servers
- Automated start/stop of non-production systems
- Deletion of unused services
- Re-architecture development for better performance
- Spot instance planning
- Multi-cloud strategy
Governance & Reporting
- ITSM-based ticketing tool
- ITIL framework-based project management
- PMP Certified service delivery managers
- Strict adherence to defined SLAs
- Multiple cloud accounts management
- Access management
- Daily, weekly, monthly reports
- Uptime reports
Security & Compliance
- Cloud-native security
- Access management
- VPN support
- Firewall support
- SSL management
- DDoS monitoring and support
- WAF management
- Anti-virus protection
- DNS management
- Vulnerability assessments
- Server encryption
Enterprise systems perform best when continuously maintained and upgraded, but advances in technology – including cloud solutions, artificial intelligence, and machine learning – mean it can take far too long to benefit from major upgrades. ThoughtFocus' Legacy Modernization solution is applied to legacy systems that are due for structural change to yield the greatest business value. Then, a customized solution is structured that identifies the best path to unlocking quantum improvements in business value from legacy systems.
ThoughtFocus determines the best modernization approach and project structure for each engagement.
ThoughtFocus Legacy Modernization projects typically begin by mapping the application portfolio for a given business area while maintaining a focus on the critical business goals the legacy system are meant to fulfill. This map then serves to drive the transformation journey. Other modernization features:
- Perform a thorough “as is” determination of the existing system landscape in light of current business priorities
- Determine the optimal modernization model to apply, and defining a set of engineering guidelines to govern the implementation
- As plan execution begins, detailed requirements are defined along with a roadmap and implementation plan, and potential quick wins are identified to speed the capture of business value from the new solution
- During the execution phase, ThoughtFocus designs the future architecture together with design standards and guidelines
- Quick wins are implemented, and requirements are validated
- User Acceptance Testing (UAT) is implemented and feedback from the UAT phase is captured and implemented
- Finally, each modernized system is thoroughly documented and handed over to the customer support team
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With domain expertise and technical experience across the entire commercial, wholesale, and residential mortgage lifecycle, ThoughtFocus provides flexible engagement models and customizable solutions that reduce capital expenses and overhead, including:
- Application processing
- Underwriting support
- Risk assessment
- Initial disclosures
- Compliance review
Business value is quickly achieved through the intelligent use of technology to streamline processes combined with the thoughtful use of scalable teams to manage the technology. Typical targets for immediate impact include:
- Digitization of loan application forms
- Verification of documents
- Employment verification
- Quality control by a third-party service
In short, our technology enabled business operations, technology solutions, and flexible engagement models are designed to help you address constraints and tap into new opportunities quickly.
Mortgage loan origination involves application acceptance, application processing, underwriting of the loan, managing disclosures, compliance reviews, various QA/QC steps, and, of course, release of the loan.
Increasing regulatory oversight and competition for talent means that each of these processes are time consuming, detail heavy, and time sensitive. For lenders, the complexity of the process requires a heavy investment in technical infrastructure and a well-trained, professional staff.
All these market pressures are forcing lenders to transform their origination process to drive greater efficiencies and deepen customer relationships.
ThoughtFocus can help you digitize and perfect your origination processes (retail, wholesale, or correspondent). By combining the expertise of industry veterans with a deep-technical understanding of the origination process, ThoughtFocus is ready to help you deliver an outstanding origination experience, automate and simplify internal workflow, increase operating capacity, and scale faster.
Previous loan origination projects include:
- Credit pre-qualification service
- Broker portal
- Automated, configurable pricing model
- Automated Underwriting Service (AUS)
- Loan origination straight-through processing
- Setting up of technology aided processes for Residential and Commercial mortgages/loans
- Application > Review > Underwriting > Closing > Post-Close Quality Control
- Title Search using RPA
Borrowers want a fast and hassle-free digital experience.
With verification automation and back-office business operations services from ThoughtFocus, lenders can scale faster – whether working with third-party verification services or letting us manage the entire process. With ThoughtFocus as a partner, lenders mitigate operational risk and scale faster.
ThoughtFocus provides domain expertise, technology solutions, and support services in the following areas:
- Credit verifications
- Property tax search
- Background checks
- Verification of deposits
- Verification of employment
- Due diligence
As businesses move into an increasingly digital environment, being able to automate and create efficiencies to manage the customer or borrower experience has become more important than ever.
ThoughtFocus’ technical and Digital Operations capability is dedicated to helping our lenders transform their operations through the intelligent use of technology, workforce scalability, and process improvement techniques.
With ThoughtFocus on your side, it’s a win-win in so many ways.
The “new normal” is here. Lenders that enhance processes and meet consumer expectations for speed, ease-of-use, and convenience will thrive. One method for delivering better customer experiences depends on lender’s ability to use multiple third-party sources to gain insights and faster decisions about loan applications.
ThoughtFocus supports lenders by delivering technology and process outcomes. As a Digital Operations expert, ThoughtFocus can support any number of processes and technologies.
ThoughtFocus has deep expertise in verification processes and technology – including employment verification and income required documents such as pay stubs, bank statements and other borrower-provided paperwork, ThoughtFocus will reduce errors and improve process efficiency.
Want to learn how to leverage and streamline various verification processes? Ask about our expertise with the following technical functions and processes:
- Consumer Reporting Agency (3rd party credit verifiers)
- Order fulfillment platform for CRAs (Credit Reporting Agencies)
- Experience with API (Application Program Interface) connectivity to 3rd party service providers such as credit bureaus, Lexis-Nexis, Work Number, Core Logic, FNMA, FHLMC etc.
- Loan Origination System connectivity such as Encompass, Calyx Point
- Tri-merge reporting
- FICO/Vantage Score ‘what-if’ simulators– we have used Machine Learning to mimic the model and we are within 10 points of the bureaus’ own scores
ThoughtFocus makes the underwriter’s life easier.
ThoughtFocus is a leading provider of technology optimization and workforce scalability for mortgage underwriting services.
Underwriting is a crucial step in the mortgage process because borrower reliability is decided. ThoughtFocus helps lenders collect the applicant’s data in one place – with all exceptions flagged and all next steps defined. With all data centralized and actionable, underwriters make accurate decisions faster and reduce risk.
Recent projects and use-cases have included:
- Underwriting process support
- Predict probability of default
- Credit scoring mechanism
- Supply decisions-based information to borrower and loan officer
- Aid processors and loan officers in understanding underwriting decisions and conditions
With ThoughtFocus and our Digital Operations methodology, underwriters are transforming how they do business. Digital Operations looks at the entire underwriting process holistically and seeks innovative ways to combine people, processes, and technology to achieve cost efficiency and process-driven improvements while destroying organizational silos and delivering better borrower experiences.
With ThoughtFocus and Digital Operations, lenders are:
- Closing loans faster
- Increasing loan volume
- Accelerating turn-around time and closings
- Reducing the cost of hiring in-house underwriters and processors
Faced with increased market pressure and a need to remain relevant for clients, mortgage and lending leaders are steering their strategy to scale and optimize organizational performance. With ThoughtFocus and our Digital Operations methodology, you can quickly adopt a combination of tools, technologies, and processes that fundamentally rethink and reimagine internal and external underwriting processes and functions.
Mortgage closing is a complex and often disjointed process.
ThoughtFocus provides market-leading expertise in mortgage settlement services and provides a scalable process for closing mortgages in an efficient, compliant, and error-free manner.
Work with ThoughtFocus to streamline, digitize, and scale these critical processes:
- Gather and collect all documents (loan estimates, inspection reports, disclosures, title search, insurance, appraisals, flood certificates, and more)
- Review property title for lawsuits, taxes, judgements, and liens then arrange the files in the right sequence to improve the customer experience
- Automate collaboration with settlement companies on taxes, fees, and escrow
- Conduct final evaluations of recorded legal rights, review the property’s chain of title, review the plat of survey, and more
- Prepare a closing statement instruction document then send it to the funding department with wiring instructions, insurance and more
- Perform a final review of the loan application for errors
For organizations looking to reduce operating costs, increase revenue, and accelerate turnaround times, ThoughtFocus can help.
With our Digital Operations methodology, we can help you find opportunities to automate, optimize, eliminate, and transform settlement services. The result? Reduced operating costs, greater scale faster, and fewer hiring and training headaches.
By using innovative digitization technologies such as Robotic Process Automation (RPA), Machine Learning, AI (Artificial Intelligence), and advanced analytics, we can accelerate your settlement processes even further.
Operating from multiple global delivery centers, you can now leverage the advantages of “following the sun” to keep your operations running 24x7.
Why work with ThoughtFocus?
- Highly trained mortgage processors working full-time
- Deep domain expertise with regulatory requirements
- Standardized and automated back-office speed settlement
- Flexibility to scale up and down – to better meet fluctuations in demand
- Highly transparent operations and communication
- 100% data confidentiality and privacy
Closing support requires a deep understanding of the entire loan lifecycle.
ThoughtFocus provides technology and back-office support for the loan closing process from complete process re-engineering to cost-effective management of important sub-tasks including title reviews, managing closing statements, and more.
Assessing data integrity and documenting quality control activities is people intensive and time consuming for lenders. Outsourcing mortgage technology processes and sub-tasks is hugely beneficial in terms of efforts, time savings, and cost.
Faced with increased market pressure and a need to remain relevant for clients, mortgage and lending leaders are steering their strategy to scale and optimize organizational performance.
With ThoughtFocus and our Digital Operations methodology, you can quickly adopt a combination of tools, technologies, and processes that fundamentally rethink and reimagine internal and external closing processes and functions.
Let ThoughtFocus show you opportunities to capture lost profit by understanding and fine-tuning your operations. By looking at the entire loan closing process as a system of systems, lenders are:
- Closing loans faster
- Increasing loan volume
- Accelerating turn-around time and closings
- Reducing the cost of hiring in-house underwriters and processors
For Mortgage Loan Servicers, ThoughtFocus supports all the internal and external operational tasks that drive efficiency and profit.
Mortgage servicers looking to differentiate with a better customer experience turn to ThoughtFocus.
From digitizing the entire statement/payment process to streamlining escrow, we are ready to help you create a seamless user experience.
Areas of expertise include:
- Remittance and investor reporting
- Service agreements
- Customer service
- Default services
- Escrow management
- Property and Casualty (P&C) Insurance
- Tax assignment
Additional Loan Servicing Capabilities include:
- Multiple geographies for 24x7 operations
- Automation enabled solutions
- Global domain experts
- Default Servicing
The ThoughtFocus team has deep expertise in helping loan servicers manage their portfolios efficiently and with total transparency.
Customer retention offers a clear path to increased profitability. Mortgage servicers rely on ThoughtFocus to scale, optimize organizational performance, and dramatically improve the customer experience. Using the Digital Operations methodology, automation, best-in-class platforms (ERP, CRM, etc.), workforce scalability, and process improvement techniques, loan servicers are achieving a better future, faster.
ThoughtFocus' strengths:
- Long-term experience with large complex clients across all mortgage processes
- Significant presence in mortgage and lending for digital operations engagements in emerging markets
- Strong presence in loan document management and indexing
- RPA/AI driven solutions to increase efficiency of manual processes
- Well-defined methods and models to deploy hybrid captive delivery centers
- Flexible service delivery models
ThoughtFocus’ specialization is using and deploying solutions that overall improve service levels for mortgage companies in terms of customer experience.
Talk to us about our specific expertise in the following areas:
- Platform to perform remittance calculation and investor reporting
- Fees and incentives calculation
- Principal and Interest, Escrow collections
- Reconciliation of book against the custodian accounts
- Loss computation and certification
- Automated bank feeds
ThoughtFocus delivers a single, unified set of services, technology, and human capital solutions across all stages of default management and all areas of loan servicing.
When loans are at risk of default (or have gone into default) servicers need to support borrowers and show compliance with evolving regulations.
Let us show you how our teams can strengthen your loss mitigation strategies with technology expertise, industry knowledge and proven process optimization across your entire spectrum of assets, from performing through non-performing loans.
Get in touch when you are ready to deliver efficient, compliant, and streamlined execution to help you minimize loss and maximize productivity.
Default management services include technical optimization and business process outsourcing. From improving loan modification, disposition, or claims processing, ThoughtFocus’ team of skilled mortgage experts can help.
Count on us for:
- Improved process efficiencies
- Expertise with various workout terms Fannie Mae, Freddie Mac, FHA, USDA and VA
- Data consistency and integrity
- Enhanced risk management
- Increased operational efficiency
- Reduced operating costs
- Address regulatory requirements
- Improved risk mitigation
Highly skilled teams are needed for mortgage title support, research, ordering, and related compliance and regulatory tasks (a time-consuming process by itself).
ThoughtFocus provides technology, process, and scalable workforce solutions across a wide area of mortgage title and escrow support services.
Mortgage title and escrow support services include:
- Title Support – including ordering support, title examination, title commitment, policy production, settlement and closing support
- Title Commitments - obtained from the title company after the completion of the search
- Title Ordering - obtain the specific details of the title company from the loan officer and order the title report for the property
- Title Examination - business-critical processes that protect the lender against fraud
Highlights - Technology Services Portfolio
- Advanced document management with integration into Loan Origination System (LOS) and Enterprise Content Management (ECM) systems
- Proprietary chatbot application framework using Natural Language Processing (NLP) and IBM Watson cognitive computing capabilities
- Our AccueBot tools can be applied to any process workflow to achieve efficiency gains through Robotic Process Automation (RPA)
- Extensive experience in business intelligence and data analytics to supply mortgage and predictive analytics solutions for operational insights
ThoughtFocus’ Digital Operations Services transform traditional BPO (Business Process Outsourcing) into an intelligent driver of innovation and efficiency by using an optimized mix of people, process, and technology (like NLP, RPA, and AI).
Improving back-office operations for title and escrow translates to ROI quickly because it delivers extra scale, faster.
Across the lending landscape, ThoughtFocus’ Digital Operations teams will help you find new levels of operational resilience, quality and speed. Get in touch, learn how our Digital Operations roadmap helps you achieve breakthrough growth in three areas:
Automation: Reinvent business models by delivering sophisticated, real-time insight capabilities - including data analysis, governance and advanced process knowledge. Let us show you how to invest in technological advancements that supply high value for business operation improvements.
Scalability and Growth: Scale faster with integrated automation tools and technologies that transform the performance and effectiveness of your business processes.
Results Guaranteed: Our business is making your business grow. Let us show you how we improve efficiency and drive greater results with higher returns.
The commercial lending process is complex. Process inefficiencies take your attention away from clients. ThoughtFocus can help digitize, scale, and better manage your lending operations so you can focus on your clients and their needs.
Ready to modernize lending operations, expedite credit decisions, and deliver a better customer experience?
Work with ThoughtFocus to fast track your digital transformation.
From modernizing your IT with application support, cloud, and integrations, we can connect your enterprise, and automate your business.
With ThoughtFocus, the results speak for themselves: agility, speed, and scalability.
ThoughtFocus can help you manage and improve all of your commercial lending processes with technology and process optimization.
From origination to underwriting, from due diligence to closing, we’re ready now to help you:
- Increase speed and efficiency
- Reduce credit losses
- Focus on a better customer experience
- Accelerate decision making
ThoughtFocus tackles a wide range of application needs enabling clients to meet mission critical, complex business goals with speed and ease. We have delivered highly automated, state of the art application environments for some of the toughest challenges: ground-breaking mobility solutions, end-to-end design and development of eCommerce platforms; Loyalty and Rewards programs; intuitive, customer-facing risk management solutions; and highly complex web development and dashboard projects.
Every project is approached with thorough knowledge of the best-fit industry standard tools, and a wealth of utilities developed uniquely to meet a growing array of project demands. We assure success with experienced project managers dedicated to complete transparency, measured progress, and proven, methodical approaches to day-by-day problem solving.
The ThoughtFocus engineering approach is to deliver scalable, easily maintained applications engineered for future needs. Our robust and continually enhanced delivery framework ensures that projects are delivered on time, within budget, and with demonstrated high quality. Every ThoughtFocus development project is executed with a proven approach:
Assessment and Strategy
- Assess the current, as is scenario
- Identify the ideal transformation strategy for each environment and set of business needs
- Coordinate vendor evaluations to help select the ideal tools and technologies
Customer experience design
- Mapping the customer journey from end to end to ensure the best user experience
- We bring UX experts to each project to assure the optimum customizations
Omnichannel eCommerce
- Designing and building eCommerce applications that are accessible from multiple devices, with a mobile-first approach when desired
Analytics and data visualization
- Enterprise-wide data management and data governance
- Complex multi-technology solutions
- Data visualization in real time
Internet of Things (IoT)
- Firmware and gateway design and development
- Comprehensive suite of Quality Assurance services
- Automation, using bots and artificial intelligence as desired for maximum efficiency – including efficiency gains over time with machine learning
A Quality Assurance (QA) partner must weave together a full breadth of service offerings, tools, expertise, methodologies, and practice area expertise. ThoughtFocus will partner with your product teams, enabling them to focus on achieving the best business outcomes while minimizing concerns with application reliability. Our approach is to identify and focus on areas that can be automated, delivering rapid business ROI. We perform the verification and validation to ensure your products and applications are delivered just in time at low cost.
To deliver the best QA solutions, ThoughtFocus has powerful alliances with leading tool vendors for testing and proven engineering expertise in building products and enterprise applications. By taking a product-centric approach, we ensure ongoing flexibility and futureproofing of our clients’ technology. ThoughtFocus offers:
Digital Testing Services
- API and Microservice Testing
- Extreme Automation
- Mobility, Agile and DevOps Testing
- Artificial Intelligence / Machine Learning
- Robotic Process Automation
- Cloud Testing Services
Core Testing Services
- System Testing and System Integration Testing
- Smoke Testing and Regression Testing
- User Acceptance Testing
Test Consulting
- Assess, Build and Deploy
Specialized Testing Services
- Security Testing
- Performance Testing Services
Regulatory Compliance
- Aerospace Verification and Validation
- Regulatory Compliance Testing (GDPR, PCI DSS, and more)
The goal of DevOps is to deliver high quality solutions with shorter life cycles. ThoughtFocus accomplishes this through the expertise of its experienced DevOps strategists and planners, proven technologies, and project methodologies. We begin by assessing your existing environment and readiness for agile adoption, determining the best opportunities for productivity gains through automation, and developing the optimum solution architecture for each project.
Then, our playbook-driven methodology and thorough, documented assessments ensure the best recommendations for the ideal DevOps outcomes – with minimal resource consumption over the long term for maximum DevOps value.
ThoughtFocus offers advisory services, customized end-to-end DevOps implementation, and managed operations and monitoring to assure your technology investments. ThoughtFocus DevOps solutions are designed for enterprises with best-in-class cloud management including automation, optimization, governance, and security.
24/7 Managed Operations
- Automation study
- Process identification
- Workflow identification
- Management
- Deployment support
- Patch updates
- Log management
- Incident management
- Change management
- Service request management
- Problem management
Cost Optimization
- Track cloud utilization
- Capacity management
- Upsize and downsize servers
- Automated start/stop of non-production systems
- Deletion of unused services
- Re-architecture development for better performance
- Spot instance planning
- Multi-cloud strategy
Governance & Reporting
- ITSM-based ticketing tool
- ITIL framework-based project management
- PMP Certified service delivery managers
- Strict adherence to defined SLAs
- Multiple cloud accounts management
- Access management
- Daily, weekly, monthly reports
- Uptime reports
Security & Compliance
- Cloud-native security
- Access management
- VPN support
- Firewall support
- SSL management
- DDoS monitoring and support
- WAF management
- Anti-virus protection
- DNS management
- Vulnerability assessments
- Server encryption
Enterprise systems perform best when continuously maintained and upgraded, but advances in technology – including cloud solutions, artificial intelligence, and machine learning – mean it can take far too long to benefit from major upgrades. ThoughtFocus' Legacy Modernization solution is applied to legacy systems that are due for structural change to yield the greatest business value. Then, a customized solution is structured that identifies the best path to unlocking quantum improvements in business value from legacy systems.
ThoughtFocus determines the best modernization approach and project structure for each engagement.
ThoughtFocus Legacy Modernization projects typically begin by mapping the application portfolio for a given business area while maintaining a focus on the critical business goals the legacy system are meant to fulfill. This map then serves to drive the transformation journey. Other modernization features:
- Perform a thorough “as is” determination of the existing system landscape in light of current business priorities
- Determine the optimal modernization model to apply, and defining a set of engineering guidelines to govern the implementation
- As plan execution begins, detailed requirements are defined along with a roadmap and implementation plan, and potential quick wins are identified to speed the capture of business value from the new solution
- During the execution phase, ThoughtFocus designs the future architecture together with design standards and guidelines
- Quick wins are implemented, and requirements are validated
- User Acceptance Testing (UAT) is implemented and feedback from the UAT phase is captured and implemented
- Finally, each modernized system is thoroughly documented and handed over to the customer support team
Crucial to every manufacturing value chain, Bills of Materials (BOM) involve complex processes, large volumes of data, and broad, cross-disciplinary team engagement. But too often BOM inaccuracies are the source of supply chain delays, productivity losses at stores and warehouses, operational losses due to idle production time, and revenue losses due to delays. For lean manufacturing and operations teams these challenges can be especially devastating. Warning signs from BOM-related problems can also include:
- Persistent supply chain delays
- Errors caused by data inaccuracies
- Manual processes and communications
- Production idle times
- Loss of productivity at stores and warehouses
To improve the performance of BOM-related processes, ThoughtFocus examines core processes and data with a thorough KPI-driven approach. Your ThoughtFocus team will take a deep dive into the current state of BOM and its outcomes to identify and prioritize productivity barriers and sources of your cost inefficiencies. This will form the basis of a BOM improvement plan that will be the best fit for your manufacturing environment.
BOM challenges scale upward as your operations grow, especially when product companies are working with distributed teams and supply chain partners. The more complete your Bill of Materials, the easier it becomes to make better decisions so you can plan, procure, test, ramp, and launch new products with confidence and accuracy.
ThoughtFocus examines every BOM engagement with a set of standards and principles derived from deep experience in manufacturing environments. ThoughtFocus improves BOM performance with these and other steps, informed and perfected through countless client engagements:
- Streamlining access to BOMs through data capture and integration, providing the right people with early visibility to BOM information. With more lead time, supply chains can make great strides in flexibility and efficiency
- Identifying integration points for enterprise systems connected to BOM management and eliminating data entry redundancies and errors, so BOM data is accurately captured, synchronized, tracked, and reported
- Increasing tracking and traceability of BOM components so errors that would otherwise cause delays or inefficiencies can be avoided, or quickly diagnosed and resolved
- Maintaining completeness of BOM data using clearly defined BOM qualification parameters. This minimizes risks due to data omissions
- Integrating BOM processes with consistency and singularity across all engaged teams and disciplines so those who work on the BOM can easily share data
- Establishing a single source of truth by implementing an item master with complete, detailed, and consistently structured part information that is centrally managed and dynamically fed to the BOM. This ensures processes are executed and decisions are made with accurate and up-to-date data and reduces duplication of effort
- Performing intelligent analytics maximize the value of BOM processes and data. When data is accurate, fully integrated, and visible from a single source of truth, BOM data can be mined with analytics tools powered by artificial intelligence and machine learning to yield visualizations and predictive analytics. Those insights can drive quantum improvements in manufacturing efficiencies as well as a continuing stream of optimizations throughout BOM lifecycles
- Improving accuracy by gathering data directly from sources and eliminating data entry steps at every opportunity. This includes extracting metadata directly from CAD, for example, and using OCR and other scanning technologies for automated data capture of components, products, and packaging at the source
A detailed and accurate BOM is critical to successful manufacturing resource management. With ThoughtFocus, BOM production will be better controlled, and operations teams will be better equipped to make decisions that will drive maximum efficiency throughout product lifecycles.
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A well-managed, continuously updated catalog of product information will drive more efficient e-Commerce and product development projects, while delivering a high-quality user experience through every channel of engagement. Catalog Management is a critical solution for every product seller, distributor, and buyer. ThoughtFocus catalog management solutions provide:
- Central repository of all desired product information
- Ability to automatically index and classify products along any relevant set of categories
- Effortless access to product information for an unlimited range of users
- Integration of product documentation, including data sheets and visualizations designed for any specific end user
- Visualization of every image, including drawings, models, and other visualizations
ThoughtFocus catalogs have clocked more than $1 billion in sales revenue from nearly 4 million SKUs, nearly 400,000 individual e-catalogs. Our solutions are proven, highly automated, and deliver a great user experience at front and back ends, including full integration of hotspotted visualizations, CAD models, BOMs, and highly automated user consoles.
ThoughtFocus Catalog Management solutions have been provided to many manufacturing customers and contexts in support of initiatives like these:
- Product development: Aftermarket customers have leveraged ThoughtFocus' web technologies to increase B2B sales revenue through online sales with operational transparency. Transactions are conducted with high security by tapping into a wide array of security solutions from ThoughtFocus
- Self-Service portals: For e-Commerce solutions, ThoughtFocus provides flexible backend consoles that load user information and customer-relevant collateral assets. The application of configurable business rules makes admin options intuitive to use, and full integration ensures that transaction-related data flows seamlessly to every necessary system, including ERP, CRM, and BI for advanced analytics
- Enhanced user experience: Gain an edge over the competition and improve customer retention by delivering a best-in-class user experience. ThoughtFocus' user experience design tailors the aftermarket e-Commerce experience for users of every type
- E-catalog creation and maintenance: User satisfaction and retention often depends on order accuracy scores. ThoughtFocus digs deep into engineering data to build product catalogs that offer a full slate of detailed information and to inform the results of context-sensitive product searches. Visualizations too make a huge difference to the user. Visual diagrams of products can be hotspotted so users can quickly find exactly what they’re searching for
- e-Commerce: Accurate product information is assured by capturing engineering data, including product visualizations, and repackaging it for e-Commerce use. A secure transaction engine, seamless data integration to every relevant repository, and a superlative user experience design set ThoughtFocus e-Commerce platforms apart
Other ThoughtFocus Catalog Management benefits:
- Business Insights. Business-critical insights can be captured from on-board analytics or plug ins to third-party analytics applications
- Cloud Migrations. By leveraging cloud technologies for catalog management, vast reductions in IT infrastructure spending can be realized
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Transform every factory into a smart, connected factory with integrated sensors, edge node processing, AI, augmented reality, bots, and more. Do so while improving security, delivering collaborative manufacturing, and creating visualizations in real time.
ThoughtFocus approaches IoT and embedded solutions by engaging up to seven layers of technology – these can include hardware infrastructure, firmware, cloud environments, legacy enterprise systems, analytics applications, and more – to provide smart solutions that create higher value products with a greater competitive edge.
With deep experience in manufacturing services, and advanced technical acumen, ThoughtFocus solutions for IoT and embedded technologies are virtually limitless. We design and build an IoT value chain that can bring any product or component into the future and drive the specific value you need to receive from smart manufacturing operations. Solutions can include packaged and custom software applications, cloud solutions, and customized firmware that enables and orchestrates the performance of embedded and IoT components. We create aggregators and gateways that gather and integrate data from every source, including legacy systems that were designed and built with no Internet connectivity.
ThoughtFocus solutions for IoT and embedded technologies can transform manufacturing operations by making any device and legacy system a connected device or system by introducing sensors, communication interfaces, and gateways that respond to commands in real time. By leveraging ThoughtFocus' design experience across your hardware and firmware, you will receive the specific value your manufacturing operations require.
- IoT gateways: ThoughtFocus builds IoT gateways that turn legacy systems into smart devices. We use edge analytics, artificial intelligence, and machine learning to turn your devices into smart devices, and to channel the rivers of data from those devices into meaningful portions of your manufacturing operations
- Value engineering: ThoughtFocus will systematically improve the value of your product by lowering your costs without lowering the functionality of your systems. This is the principle behind ThoughtFocus Value Engineering, which provides advanced approaches to IoT product design, printed circuit board design, and CAD design for hardware. Our framework-based approach to new firmware solutions provides a new level of innovation that delivers the solutions you need at lower cost. For example, often different controllers, sensors, and firmware are used to command different devices and device types. But what if a single controller can be used to drive every individual component with just a firmware flash update? By engineering the components in your IoT and embedded device solution to your requirements, and introducing cost-saving innovation, you can realize quantum increases in efficiency while maintaining or improving functionality
- Hardware and firmware solutions: Not limited to software and cloud solutions, ThoughtFocus will build your embedded hardware to your specifications. Circuit boards and firmware that provide device level instructions will be designed and developed as part of your smart IoT initiative
- Legacy modernization solutions: Legacy hardware, too, can be rapidly modernized through embedded systems that provide new sources of data quickly integrated into mainframe systems. Even those designed before the Internet existed can be quickly and cost effectively modernized with a solution designed to secure the cost benefit you designate and reducing the costs of ongoing maintenance
- Self-correcting automation: Beyond data collection, the technologies used in ThoughtFocus' IoT and embedded solutions provide intelligence that identify and correct problems when data is found above or below the tolerance levels you designate. Regulatory requirements, too, can be designed into your solution, along with predictive maintenance. With a truly automated and intelligent IoT and embedded solution, you and your teams can at last focus on management by exception
Beyond delivering business value, ThoughtFocus can deliver the specific value targets that you require – potentially exceeding your highest expectations.
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ThoughtFocus tackles a wide range of application needs enabling clients to meet mission critical, complex business goals with speed and ease. We have delivered highly automated, state of the art application environments for some of the toughest challenges: ground-breaking mobility solutions, end-to-end design and development of eCommerce platforms; Loyalty and Rewards programs; intuitive, customer-facing risk management solutions; and highly complex web development and dashboard projects.
Every project is approached with thorough knowledge of the best-fit industry standard tools, and a wealth of utilities developed uniquely to meet a growing array of project demands. We assure success with experienced project managers dedicated to complete transparency, measured progress, and proven, methodical approaches to day-by-day problem solving.
The ThoughtFocus engineering approach is to deliver scalable, easily maintained applications engineered for future needs. Our robust and continually enhanced delivery framework ensures that projects are delivered on time, within budget, and with demonstrated high quality. Every ThoughtFocus development project is executed with a proven approach:
Assessment and Strategy
- Assess the current, as is scenario
- Identify the ideal transformation strategy for each environment and set of business needs
- Coordinate vendor evaluations to help select the ideal tools and technologies
Customer experience design
- Mapping the customer journey from end to end to ensure the best user experience
- We bring UX experts to each project to assure the optimum customizations
Omnichannel eCommerce
- Designing and building eCommerce applications that are accessible from multiple devices, with a mobile-first approach when desired
Analytics and data visualization
- Enterprise-wide data management and data governance
- Complex multi-technology solutions
- Data visualization in real time
Internet of Things (IoT)
- Firmware and gateway design and development
- Comprehensive suite of Quality Assurance services
- Automation, using bots and artificial intelligence as desired for maximum efficiency – including efficiency gains over time with machine learning
A Quality Assurance (QA) partner must weave together a full breadth of service offerings, tools, expertise, methodologies, and practice area expertise. ThoughtFocus will partner with your product teams, enabling them to focus on achieving the best business outcomes while minimizing concerns with application reliability. Our approach is to identify and focus on areas that can be automated, delivering rapid business ROI. We perform the verification and validation to ensure your products and applications are delivered just in time at low cost.
To deliver the best QA solutions, ThoughtFocus has powerful alliances with leading tool vendors for testing and proven engineering expertise in building products and enterprise applications. By taking a product-centric approach, we ensure ongoing flexibility and futureproofing of our clients’ technology. ThoughtFocus offers:
Digital Testing Services
- API and Microservice Testing
- Extreme Automation
- Mobility, Agile and DevOps Testing
- Artificial Intelligence / Machine Learning
- Robotic Process Automation
- Cloud Testing Services
Core Testing Services
- System Testing and System Integration Testing
- Smoke Testing and Regression Testing
- User Acceptance Testing
Test Consulting
- Assess, Build and Deploy
Specialized Testing Services
- Security Testing
- Performance Testing Services
Regulatory Compliance
- Aerospace Verification and Validation
- Regulatory Compliance Testing (GDPR, PCI DSS, and more)
The goal of DevOps is to deliver high quality solutions with shorter life cycles. ThoughtFocus accomplishes this through the expertise of its experienced DevOps strategists and planners, proven technologies, and project methodologies. We begin by assessing your existing environment and readiness for agile adoption, determining the best opportunities for productivity gains through automation, and developing the optimum solution architecture for each project.
Then, our playbook-driven methodology and thorough, documented assessments ensure the best recommendations for the ideal DevOps outcomes – with minimal resource consumption over the long term for maximum DevOps value.
ThoughtFocus offers advisory services, customized end-to-end DevOps implementation, and managed operations and monitoring to assure your technology investments. ThoughtFocus DevOps solutions are designed for enterprises with best-in-class cloud management including automation, optimization, governance, and security.
24/7 Managed Operations
- Automation study
- Process identification
- Workflow identification
- Management
- Deployment support
- Patch updates
- Log management
- Incident management
- Change management
- Service request management
- Problem management
Cost Optimization
- Track cloud utilization
- Capacity management
- Upsize and downsize servers
- Automated start/stop of non-production systems
- Deletion of unused services
- Re-architecture development for better performance
- Spot instance planning
- Multi-cloud strategy
Governance & Reporting
- ITSM-based ticketing tool
- ITIL framework-based project management
- PMP Certified service delivery managers
- Strict adherence to defined SLAs
- Multiple cloud accounts management
- Access management
- Daily, weekly, monthly reports
- Uptime reports
Security & Compliance
- Cloud-native security
- Access management
- VPN support
- Firewall support
- SSL management
- DDoS monitoring and support
- WAF management
- Anti-virus protection
- DNS management
- Vulnerability assessments
- Server encryption
Enterprise systems perform best when continuously maintained and upgraded, but advances in technology – including cloud solutions, artificial intelligence, and machine learning – mean it can take far too long to benefit from major upgrades. ThoughtFocus' Legacy Modernization solution is applied to legacy systems that are due for structural change to yield the greatest business value. Then, a customized solution is structured that identifies the best path to unlocking quantum improvements in business value from legacy systems.
ThoughtFocus determines the best modernization approach and project structure for each engagement.
ThoughtFocus Legacy Modernization projects typically begin by mapping the application portfolio for a given business area while maintaining a focus on the critical business goals the legacy system are meant to fulfill. This map then serves to drive the transformation journey. Other modernization features:
- Perform a thorough “as is” determination of the existing system landscape in light of current business priorities
- Determine the optimal modernization model to apply, and defining a set of engineering guidelines to govern the implementation
- As plan execution begins, detailed requirements are defined along with a roadmap and implementation plan, and potential quick wins are identified to speed the capture of business value from the new solution
- During the execution phase, ThoughtFocus designs the future architecture together with design standards and guidelines
- Quick wins are implemented, and requirements are validated
- User Acceptance Testing (UAT) is implemented and feedback from the UAT phase is captured and implemented
- Finally, each modernized system is thoroughly documented and handed over to the customer support team
A recent study found that of the most significant frustrations for fleet managers, 74% raise compliance knowledge and 77% awareness and visibility to the driver compliance and noncompliance with regulations. Fleet managers need to be equipped with better solutions that enable them to:
- Instantly verify fleet compliance from cloud-based online dashboards
- Transmit alerts for compliance violations
- Proactively notify workers of pending or expired paperwork
- Provide support for cost control, fuel, and insurance issues and more
ThoughtFocus fleet management solutions provide greater clarity into compliance data and regulatory risks, empowering clients to improve driver, vehicle, and employee safety and compliance, keep vehicles qualified, protect workers, and modernize fleet management.
Fleet management solutions from ThoughtFocus include IoT (Internet of Things) and embedded electronic devices to help fleet managers understand every key aspect of their fleets, including:
- DOT Drug and Alcohol Management: A complete testing program in accordance with Parts 40 and 382, including developing and documenting policy, setting up testing sites, TPA services, random selections, and compliance reports for DOT Drug & Alcohol Clearinghouse Rule
- Vehicle Tax and Licensing: Assure compliance with motor carrier tax and registration requirements, state IFTA and IRP requirements, and fuel tax reporting obligations. Keep your vehicles legal, improve accuracy of fuel and mileage tax data, and reduce audit risks
- Hours of Service Management: Get expert regulatory guidance on data gathered from ELDs, paper logs, and time sheets. This data is aggregated and interpreted for actions to improve hours of service
- Driver Qualification Management: Ongoing management of DOT driver documents to ensure regulatory compliance, including driver background checks, MVR scoring and reporting, safety performance history records requests, and national registry verification
- Data Aggregation and Intelligence: Curation of safety and compliance data and dashboard presentations to pinpoint compliance gaps, spot trends, clarify priorities, and custom reports, including predictive analytics for more informed decisions
- Expert Analysis and Advisement: Continuous curation of data, accuracy and compliance audits, and guidance for mitigating risk to help protect the business. Tap into a network of experts who know the regulations and will make compliance less complicated
- Data Sharing and Oversight: ThoughtFocus provides Application Program Interfaces (APIs) that automatically share the data collected with your company’s legacy systems, making it visible makes it easier for you to improve safety and compliance across your entire organization
- Driver Services: Gain the data, insights, and assistance to improve driver safety and DOT compliance, including driver qualification, hours of service, DOT drug and alcohol testing, and others to help minimize the risk of accidents, violations, and legal liability
- Vehicle Services: We provide solutions for vehicle licensing, registration, IFTA/IRP, base plate renewals, and more to minimize risks, save money, and keep vehicles in compliance
The processes that qualify and onboard commercial drivers have never been under more pressure. ThoughtFocus speeds these processes with a full recruiting and application solution, helping to assure and validate the accuracy of driver information, and integrates with employee systems so data is seamlessly transferred when hires are made.
With ThoughtFocus, you will hire qualified drivers in the shortest time possible, with decisions driven from accurate and validated information. Then, driver information can be integrated directly with qualification files (DQ/FMS).
- Using ThoughtFocus, hiring managers can post their jobs online through LinkedIn and other job portals to build a pool of qualified candidates. Hiring managers and recruiters can then interact directly with candidates
- From the job posting, applicants can navigate to an easy-to-use, customized application page that will gather required and relevant information and prompt them to upload all required documents, including a resume, copies of professional certifications, insurance documents, etc.
- Once the application is otherwise complete, an e-signature can be performed to complete and document the candidate’s application
- ThoughtFocus validates driver information from third party databases, such as state departments of transportation. This is done through integration and automation when permitted, or manually otherwise to ensure that data submitted is found to be accurate so the best judgments can be made about driver qualification
- Finally, data for successful applications can be automatically integrated into driver employment systems to assure accurate information and to facilitate onboarding
ThoughtFocus’ Driver Performance Management solution helps companies optimize overall productivity by achieving the best levels of business performance and driver satisfaction. We do this by implementing solutions across the full spectrum of driver performance:
- Provide continuous education to commercial drivers so their skills are maintained and developed through productive, long-term relationships
- Ensure that jurisdictional laws, company policies, best practices, and regulatory requirements are consistently met
- Provide feedback loops to drivers, engaging them in continuously improving their performance
- Identify and evaluate potentially risky driver behaviors so corrective actions can be taken early and rapidly
- Provide insights into driver performance through advanced analytics
Driver Performance Management is a complete platform that assesses driver performance. The solution an be expanded into any desired area with the use of vehicle sensors, integration with every available data source, and highly customizable capabilities.
- Driver Assessments: ThoughtFocus provides a comprehensive platform for assessing the performance of every driver in your fleet. This is done by procuring MVR records as well as through customized, individual scoring so more drivers can be assessed and given valuable feedback in less time. Alerts can be triggered from assessment information when data values appear outside configured thresholds
- Driver Data Collection: ThoughtFocus can provide systems that capture and collect driver information, yielding insights and potential alerts in real time. Driver behaviors, qualifications, licenses, and skill levels can be used to assign loads and take actions to improve performance. Video data transmission can be added to provide real-time analysis of factors such as driver stress and fatigue
- Vehicle Data Collection: Each vehicle in your fleet can be equipped with Electronic Devices (ELDs) and monitored for operational capabilities and readiness, including compliance with recommended maintenance schedules, equipment, breakages, and hours of operation
- Training on Demand: ThoughtFocus can provide an integrated Training on Demand solution or work to expand and diversify your current training solution
- Regulatory Insights and Updates: ThoughtFocus automatically monitors state and federal government information to identify relevant changes and make alerts when needed so you will always know what state and federal regulations are applicable to every aspect of your operations
Digital documents from drivers, loads, regulatory bodies, and countless other industry sources can proliferate with blinding speed. Having a solution in place to automate the organization, classification, accessing, editing, and sharing of documents – while maintaining security and digitizing them when needed – is more crucial than ever.
ThoughtFocus provides an automated solution that captures, digitizes, organizes, tags, approves, and provides workflow support for your documents with any volume, at any scale, from every source, storing them in the cloud or on-premises, with the security measures you need to protect your business.
We do this while freeing your team from person-years of capturing, sorting, and reviewing documents that can, over time, number in the millions. We will provide the best fit solution for your needs that will quickly become an indispensable business partner, unlocking new levels of productivity from your team, and ensuring that key decisions are made with complete, accurate, and up to date information.
ThoughtFocus tackles a wide range of application needs enabling clients to meet mission critical, complex business goals with speed and ease. We have delivered highly automated, state of the art application environments for some of the toughest challenges: ground-breaking mobility solutions, end-to-end design and development of eCommerce platforms; Loyalty and Rewards programs; intuitive, customer-facing risk management solutions; and highly complex web development and dashboard projects.
Every project is approached with thorough knowledge of the best-fit industry standard tools, and a wealth of utilities developed uniquely to meet a growing array of project demands. We assure success with experienced project managers dedicated to complete transparency, measured progress, and proven, methodical approaches to day-by-day problem solving.
The ThoughtFocus engineering approach is to deliver scalable, easily maintained applications engineered for future needs. Our robust and continually enhanced delivery framework ensures that projects are delivered on time, within budget, and with demonstrated high quality. Every ThoughtFocus development project is executed with a proven approach:
Assessment and Strategy
- Assess the current, as is scenario
- Identify the ideal transformation strategy for each environment and set of business needs
- Coordinate vendor evaluations to help select the ideal tools and technologies
Customer experience design
- Mapping the customer journey from end to end to ensure the best user experience
- We bring UX experts to each project to assure the optimum customizations
Omnichannel eCommerce
- Designing and building eCommerce applications that are accessible from multiple devices, with a mobile-first approach when desired
Analytics and data visualization
- Enterprise-wide data management and data governance
- Complex multi-technology solutions
- Data visualization in real time
Internet of Things (IoT)
- Firmware and gateway design and development
- Comprehensive suite of Quality Assurance services
- Automation, using bots and artificial intelligence as desired for maximum efficiency – including efficiency gains over time with machine learning
A Quality Assurance (QA) partner must weave together a full breadth of service offerings, tools, expertise, methodologies, and practice area expertise. ThoughtFocus will partner with your product teams, enabling them to focus on achieving the best business outcomes while minimizing concerns with application reliability. Our approach is to identify and focus on areas that can be automated, delivering rapid business ROI. We perform the verification and validation to ensure your products and applications are delivered just in time at low cost.
To deliver the best QA solutions, ThoughtFocus has powerful alliances with leading tool vendors for testing and proven engineering expertise in building products and enterprise applications. By taking a product-centric approach, we ensure ongoing flexibility and futureproofing of our clients’ technology. ThoughtFocus offers:
Digital Testing Services
- API and Microservice Testing
- Extreme Automation
- Mobility, Agile and DevOps Testing
- Artificial Intelligence / Machine Learning
- Robotic Process Automation
- Cloud Testing Services
Core Testing Services
- System Testing and System Integration Testing
- Smoke Testing and Regression Testing
- User Acceptance Testing
Test Consulting
- Assess, Build and Deploy
Specialized Testing Services
- Security Testing
- Performance Testing Services
Regulatory Compliance
- Aerospace Verification and Validation
- Regulatory Compliance Testing (GDPR, PCI DSS, and more)
The goal of DevOps is to deliver high quality solutions with shorter life cycles. ThoughtFocus accomplishes this through the expertise of its experienced DevOps strategists and planners, proven technologies, and project methodologies. We begin by assessing your existing environment and readiness for agile adoption, determining the best opportunities for productivity gains through automation, and developing the optimum solution architecture for each project.
Then, our playbook-driven methodology and thorough, documented assessments ensure the best recommendations for the ideal DevOps outcomes – with minimal resource consumption over the long term for maximum DevOps value.
ThoughtFocus offers advisory services, customized end-to-end DevOps implementation, and managed operations and monitoring to assure your technology investments. ThoughtFocus DevOps solutions are designed for enterprises with best-in-class cloud management including automation, optimization, governance, and security.
24/7 Managed Operations
- Automation study
- Process identification
- Workflow identification
- Management
- Deployment support
- Patch updates
- Log management
- Incident management
- Change management
- Service request management
- Problem management
Cost Optimization
- Track cloud utilization
- Capacity management
- Upsize and downsize servers
- Automated start/stop of non-production systems
- Deletion of unused services
- Re-architecture development for better performance
- Spot instance planning
- Multi-cloud strategy
Governance & Reporting
- ITSM-based ticketing tool
- ITIL framework-based project management
- PMP Certified service delivery managers
- Strict adherence to defined SLAs
- Multiple cloud accounts management
- Access management
- Daily, weekly, monthly reports
- Uptime reports
Security & Compliance
- Cloud-native security
- Access management
- VPN support
- Firewall support
- SSL management
- DDoS monitoring and support
- WAF management
- Anti-virus protection
- DNS management
- Vulnerability assessments
- Server encryption
Enterprise systems perform best when continuously maintained and upgraded, but advances in technology – including cloud solutions, artificial intelligence, and machine learning – mean it can take far too long to benefit from major upgrades. ThoughtFocus' Legacy Modernization solution is applied to legacy systems that are due for structural change to yield the greatest business value. Then, a customized solution is structured that identifies the best path to unlocking quantum improvements in business value from legacy systems.
ThoughtFocus determines the best modernization approach and project structure for each engagement.
ThoughtFocus Legacy Modernization projects typically begin by mapping the application portfolio for a given business area while maintaining a focus on the critical business goals the legacy system are meant to fulfill. This map then serves to drive the transformation journey. Other modernization features:
- Perform a thorough “as is” determination of the existing system landscape in light of current business priorities
- Determine the optimal modernization model to apply, and defining a set of engineering guidelines to govern the implementation
- As plan execution begins, detailed requirements are defined along with a roadmap and implementation plan, and potential quick wins are identified to speed the capture of business value from the new solution
- During the execution phase, ThoughtFocus designs the future architecture together with design standards and guidelines
- Quick wins are implemented, and requirements are validated
- User Acceptance Testing (UAT) is implemented and feedback from the UAT phase is captured and implemented
- Finally, each modernized system is thoroughly documented and handed over to the customer support team