{"id":182041,"date":"2025-04-30T05:54:12","date_gmt":"2025-04-30T09:54:12","guid":{"rendered":"https:\/\/innowise.com\/?p=182041"},"modified":"2025-12-23T05:54:34","modified_gmt":"2025-12-23T10:54:34","slug":"iot-in-banking","status":"publish","type":"post","link":"https:\/\/innowise.com\/nb\/blog\/iot-in-banking\/","title":{"rendered":"IoT i bankvesenet: Velkommen til en tid med intelligent finans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"182041\" class=\"elementor elementor-182041\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92c6e2c main-block e-flex e-con-boxed e-con e-parent\" data-id=\"92c6e2c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5006985 e-con-full e-flex e-con e-child\" data-id=\"5006985\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6440a54 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"6440a54\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"breadcrumbs flex\">\n    <div class=\"info\"> \n    <a href=\"https:\/\/innowise.com\/\">\n  Main\n  <\/a>\n    <\/div>\n    <div class=\"info\">\n         <a href=\"https:\/\/innowise.com\/about-us\/\">\n  About us\n  <\/a>\n    <\/div>\n     <div class=\"info\">\n          <a href=\"https:\/\/innowise.com\/blog\/\">\n  Blog\n  <\/a>\n    <\/div>\n<\/div>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\", \n  \"@type\": \"BreadcrumbList\", \n  \"itemListElement\": [{\n    \"@type\": \"ListItem\", \n    \"position\": 1, \n    \"name\": \"Innowise is on Top: We Are No. 554 on Inc. 5000 Annual List\",\n    \"item\": \"https:\/\/innowise.com\/blog\/inc-5000-puts-innowise-group-among-the-fastest-growing-technology-companies-in-the-usa-2022\/\"  \n  },{\n    \"@type\": \"ListItem\", \n    \"position\": 2, \n    \"name\": \"Blog\",\n    \"item\": \"https:\/\/innowise.com\/blog\/\"  \n  },{\n    \"@type\": \"ListItem\", \n    \"position\": 3, \n    \"name\": \"Main\",\n    \"item\": \"https:\/\/innowise.com\/\"  \n  }]\n}\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8464d9 elementor-widget__width-initial elementor-widget-tablet__width-inherit main-h1 elementor-widget elementor-widget-heading\" data-id=\"f8464d9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">IoT in banking: welcome to the age of intelligent finance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3393c15 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"3393c15\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"blog-article-info\">\n    <div>    \n   <a target=\"_blank\"style=\"color: white;\" onmouseover=\"this.style.color='#d13b3b';\" onmouseout=\"this.style.color='white';\" href=\"https:\/\/innowise.com\/authors\/siarhei-sukhadolski\/\">Siarhei Sukhadolski<\/a> \n<\/div> \n\n    <div class=\"blog-article-info_other\">\n        <span>Apr 30, 2025<\/span>\n        <span>10 minutes<\/span>\n    <\/div>\n<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eeeb144 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"eeeb144\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"440\" height=\"330\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Small-cover_IoT-in-banking.jpg\" class=\"attachment-large size-large wp-image-182092\" alt=\"\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Small-cover_IoT-in-banking.jpg 440w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Small-cover_IoT-in-banking-300x225.jpg 300w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Small-cover_IoT-in-banking-16x12.jpg 16w\" sizes=\"(max-width: 440px) 100vw, 440px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f98fe0 article-description e-flex e-con-boxed e-con e-parent\" data-id=\"8f98fe0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3e49c1e author-article e-con-full e-flex e-con e-child\" data-id=\"3e49c1e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4dee097 e-con-full e-flex e-con e-child\" data-id=\"4dee097\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf3271b elementor-widget elementor-widget-text-editor\" data-id=\"bf3271b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Let\u2019s be honest \u2014 banks aren\u2019t blind to the physical world. They\u2019ve had ATMs, branch footfall counters, smart vaults, even geolocation data for years. The problem? That data rarely talks to the systems that matter. It sits in silos, reacts too slowly, or never reaches decision-makers at all.<\/p><p>This is where the Internet of Things (IoT) quietly rewrites the rules. Not with shiny gadgets, but with context that actually connects data points. Smart ATMs that detect tampering before it happens. Hyper-personalized offers triggered the moment a customer enters a partner store. IoT isn\u2019t about more devices. It\u2019s about turning the physical world into a data layer banks can finally use.<\/p><p>In this post, I\u2019ll go beyond the buzzwords and look at where IoT is already reshaping operations, customer experience, and risk in banking \u2014 and where the next competitive edge might quietly emerge.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf85619 e-con-full e-flex e-con e-child\" data-id=\"cf85619\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-638d4cb elementor-widget elementor-widget-text-editor\" data-id=\"638d4cb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Understanding IoT in banking<\/h2><p>Before we unpack what\u2019s possible with IoT in banking industry, let\u2019s get clear on what it really is and why it suddenly matters more than it did five years ago.<\/p><p><span style=\"font-weight: 400;\">IoT in banking \u2014 the use of connected sensors and systems to gather real-world data \u2014 at its core is not about the devices. It\u2019s about a new layer of <\/span><b>real-time, physical-world data that can inform digital decisions<\/b><span style=\"font-weight: 400;\">. Think of it less as \u201ctechnology\u201d and more as a<\/span><i><span style=\"font-weight: 400;\"> strategic signal infrastructure<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Banks have always been data-rich, but historically, that data has been transactional, behavioral, and retrospective. What IoT introduces is something fundamentally different: <\/span><b>situational awareness<\/b><span style=\"font-weight: 400;\">. It brings time, place, movement, presence, and even environment into the logic stack. And for an industry that makes money on timing and trust, that\u2019s not a small shift.<\/span><\/p><p><span style=\"font-weight: 400;\">This is important because the digital systems banks have optimized over the past decade \u2014 CRMs, core banking platforms, fraud engines \u2014 were built to respond to inputs from clicks, taps, and numbers. They weren\u2019t built to ingest and act on sensor streams, location signals, or environmental triggers.<\/span><\/p><p><span style=\"font-weight: 400;\">Now they can. Thanks to advancements in <\/span><b>edge computing, 5G, and API-first architectures<\/b><span style=\"font-weight: 400;\">, IoT data can finally be fast, integrated, and meaningful instead of isolated, delayed, and noisy.<\/span><\/p><p>And the investment reflects that shift. The IoT in banking and financial services market was valued at <a href=\"https:\/\/www.globalgrowthinsights.com\/market-reports\/iot-in-banking-financial-service-market-111042#:~:text=The%20IoT%20in%20Banking%20%26%20Financial,period%20from%202025%20to%202033.\" target=\"_blank\" rel=\"noopener nofollow\">$1.19 billion in 2024<\/a>, and it&#8217;s projected to grow at an astonishing 30.4% annually, reaching nearly $13 billion by 2033. That\u2019s not experimentation \u2014 that\u2019s infrastructure being built at scale.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ade7d4 elementor-widget elementor-widget-image\" data-id=\"0ade7d4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1000\" height=\"610\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-1.png\" class=\"attachment-full size-full wp-image-182048\" alt=\"Bar chart showing IoT in banking market growth\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-1.png 1000w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-1-300x183.png 300w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-1-768x468.png 768w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-1-18x12.png 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0cf99a4 e-con-full e-flex e-con e-child\" data-id=\"0cf99a4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a546e64 elementor-widget elementor-widget-text-editor\" data-id=\"a546e64\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Strategic benefits of IoT in banking<\/h2><p>So now that we\u2019ve cleared up what IoT in banking actually is, there\u2019s another area that doesn\u2019t always get the clarity it deserves: the strategic benefits. Not just surface-level \u201cefficiencies\u201d or tech-for-tech\u2019s-sake improvements, but the kind of outcomes that actually move the needle for your business.<\/p><h3>Deeper customer intelligence and hyper-personalized services<\/h3><p><span style=\"font-weight: 400;\">A static profile can\u2019t capture what a customer needs in the moment \u2014 but IoT can. Whether it&#8217;s detecting movement near a branch or behavior in a partner store,<\/span><b> physical-world signals now feed into real-time personalization engines<\/b><span style=\"font-weight: 400;\">. The result? Better targeting, higher engagement rates, and a dramatic drop in irrelevant offers.<\/span><\/p><h3>Real-time operational efficiency and scalable cost reduction<\/h3><p><span style=\"font-weight: 400;\">Why heat an empty branch or send cash to an ATM that\u2019s half full? IoT enables dynamic adjustments to everything from staffing to utilities to delivery schedules. This leads to<\/span><b> leaner operations, reduced energy costs, and fewer logistics headaches,<\/b><span style=\"font-weight: 400;\"> especially across large networks.<\/span><\/p><h3>Smart asset visibility and predictive infrastructure management<\/h3><p><span style=\"font-weight: 400;\">Break-fix maintenance is expensive, slow, and disruptive. With connected ATMs, safes, and service equipment reporting stress and anomalies in real time, banks can move to condition-based and predictive maintenance. That means <\/span><b>fewer outages, lower repair costs, and longer asset life<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><h3>Embedded physical security and real-time fraud mitigation<\/h3><p><span style=\"font-weight: 400;\">Traditional security systems miss real-time threats like skimming or tampering until it\u2019s too late. IoT devices <\/span><b>detect abnormal vibrations, unauthorized access, or forced entry attempts immediately.<\/b><span style=\"font-weight: 400;\"> This shift cuts response time dramatically, reduces fraud losses, and strengthens physical trust in self-service channels.<\/span><\/p><h3>Data-driven sustainability and intelligent resource optimization<\/h3><p><span style=\"font-weight: 400;\">Sustainability goals can\u2019t be hit using estimates and spreadsheets. IoT captures actual resource consumption \u2014 down to the kilowatt and minute of usage. Banks get <\/span><b>precise data to optimize branch operations, reduce emissions, and cut waste<\/b><span style=\"font-weight: 400;\">, turning ESG into a measurable advantage.<\/span><\/p><h3>Context-aware risk management and adaptive compliance<\/h3><p><span style=\"font-weight: 400;\">Location, device behavior, motion \u2014 IoT introduces new dimensions into risk scoring that traditional systems ignore. When these signals flow into fraud engines or compliance checks, they reduce false positives, accelerate legitimate approvals, and improve investigation precision. <\/span><b>Fewer wrongly-blocked users, faster onboarding, better audit trails<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3e0269a e-con-full e-flex e-con e-child\" data-id=\"3e0269a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5265d29 e-con-full e-flex e-con e-child\" data-id=\"5265d29\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-612a041 elementor-widget-tablet__width-inherit elementor-widget__width-initial max100 elementor-widget elementor-widget-heading\" data-id=\"612a041\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Upgrade your bank\u2019s IQ with sensor-driven insight.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a57f9b2 e-con-full e-flex e-con e-child\" data-id=\"a57f9b2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf40de1 elementor-absolute elementor-widget-mobile__width-inherit transform cta1 elementor-widget elementor-widget-html\" data-id=\"cf40de1\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n  .wave-container {\r\n    width: 400px;\r\n    height: 400px;\r\n  }\r\n\r\n  @media(max-width: 767px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n\r\n\r\n  .wave {\r\n    position: absolute;\r\n    border: 1px solid rgba(210, 184, 214, 1);\r\n    border-radius: 50%;\r\n    animation: drop 16s infinite;\r\n    top: 50%;\r\n    left: 50%;\r\n    transform: translate(-50%, -50%);\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  @keyframes drop {\r\n    0% {\r\n      width: 0px;\r\n      height: 0px;\r\n      border: 1px solid rgba(210, 184, 214, 1);\r\n    }\r\n\r\n    100% {\r\n      width: 400px;\r\n      height: 400px;\r\n      border: 1px solid rgba(210, 184, 214, 0);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n\r\n  document.addEventListener('DOMContentLoaded', () => {\r\n    function createWaves(numberOfWaves) {\r\n      const waveContainers = document.querySelectorAll('.cta1 .wave-container');\r\n\r\n      waveContainers.forEach((waveContainer) => {\r\n        for (let i = 0; i < numberOfWaves; i++) {\r\n          const wave = document.createElement('div');\r\n          wave.classList.add('wave');\r\n\r\n          wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dda2196 elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"dda2196\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Explore IoT<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d0cd80 e-con-full e-flex e-con e-child\" data-id=\"8d0cd80\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cbfddc elementor-widget elementor-widget-text-editor\" data-id=\"6cbfddc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>The roadmap to successful IoT in banking execution<\/h2><p><span style=\"font-weight: 400;\">Now that you\u2019ve seen what IoT can truly deliver, let\u2019s talk execution. Below are the key stages of implementation, each with critical focus areas to get right. These aren\u2019t one-size-fits-all steps; every bank needs its own blueprint. But one thing is constant: successful IoT execution demands expertise. Having the <\/span><a href=\"https:\/\/innowise.com\/services\/iot-development\/\"><span style=\"font-weight: 400;\">right partner<\/span><\/a><span style=\"font-weight: 400;\"> by your side isn\u2019t optional \u2014 it\u2019s a must.<\/span><\/p><h3>Needs assessment and strategy development<\/h3><p><span style=\"font-weight: 400;\">Every IoT initiative must start with a clear business goal tied to measurable KPIs. This stage aligns IT, operations, compliance, and CX to define use cases and ownership. Without strategic clarity here, even a technically sound solution will fall flat.<\/span><\/p><h3>Solution design and prototyping<\/h3><p><span style=\"font-weight: 400;\">This phase is about architecting how data flows from edge devices through APIs into your core systems. Prototypes should test end-to-end logic, not just device performance. Cloud vs. edge decisions, latency, and interoperability are key technical factors at this stage.<\/span><\/p><h3>Integration and deployment<\/h3><p><span style=\"font-weight: 400;\">True integration means syncing IoT data with legacy cores, fraud systems, CRMs, and compliance engines. Event-driven architectures and stream-processing tools like Kafka are essential for real-time responsiveness. Deployment must include load testing, network segmentation, and rollback plans.<\/span><\/p><h3>Data analytics and insights generation<\/h3><p><span style=\"font-weight: 400;\">Sensor data is meaningless until processed in real time and connected to business logic. Stream analytics platforms (e.g., Flink, Azure Stream Analytics) enable real-time insights, anomaly detection, and contextual triggers. If insights aren\u2019t operationalized, it\u2019s just digital noise.<\/span><\/p><h3>Security and compliance<\/h3><p><span style=\"font-weight: 400;\">IoT demands Zero Trust architecture from edge to cloud \u2014 device identity, encrypted channels, and secure OTA updates are the baseline. Integration with existing SIEM tools ensures threat visibility. Regulatory frameworks like GDPR and PSD2 require full auditability of IoT-generated data.<\/span><\/p><h3>Maintenance and continuous improvement<\/h3><p><span style=\"font-weight: 400;\">IoT systems degrade fast \u2014 firmware, sensors, and data pipelines all need care. Banks must track device health, push OTA updates, and retrain ML models as environments change. Continuous monitoring ensures sustained performance and ROI.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba1faeb elementor-widget elementor-widget-image\" data-id=\"ba1faeb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1000\" height=\"479\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-2.png\" class=\"attachment-full size-full wp-image-182084\" alt=\"Diagram showing key components of implementing IoT in banking.\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-2.png 1000w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-2-300x144.png 300w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-2-768x368.png 768w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-2-18x9.png 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20362bf e-con-full e-flex e-con e-child\" data-id=\"20362bf\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ac74d5 elementor-widget elementor-widget-text-editor\" data-id=\"7ac74d5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>IoT in banking and finance at work<\/h2><p><span style=\"font-weight: 400;\">IoT is quietly powering real change across banking and finance, transforming how institutions operate, serve, and respond in the physical world. Below are some of the most impactful ways banks are already putting IoT to work across their operations and customer experiences.<\/span><\/p><h3>Smart ATMs with biometric and IoT integration<\/h3><p><span style=\"font-weight: 400;\">Modern ATMs are equipped with biometric authentication, tamper sensors, and device-level telemetry. They detect suspicious activity in real time, report maintenance needs, and enhance self-service security \u2014 all without human intervention.<\/span><\/p><h3>Automated banking branches and IoT-driven business processes<\/h3><p><span style=\"font-weight: 400;\">Sensors track foot traffic, queue lengths, and customer movement to optimize staffing, digital signage, and environmental controls. This turns branches into dynamic environments that respond to real-time demand, not static schedules.<\/span><\/p><h3>Customer insights through wearable IoT devices<\/h3><p><span style=\"font-weight: 400;\">Wearables provide behavioral and contextual data like movement patterns or payment timing that enrich customer profiles. Banks use these insights for real-time personalization, passive authentication, or wellness-linked financial products.<\/span><\/p><h3>Geolocation and beacon technology for customer engagement<\/h3><p><span style=\"font-weight: 400;\">Bluetooth beacons and GPS-enabled apps let banks detect customer presence in branches or partner locations. This enables localized promotions, priority queueing, and personalized service as soon as someone walks through the door.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13ccda0 e-con-full e-flex e-con e-child\" data-id=\"13ccda0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bcf8eb8 elementor-widget elementor-widget-text-editor\" data-id=\"bcf8eb8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Common IoT implementations in modern banking<\/h2><p><span style=\"font-weight: 400;\">You\u2019ve seen where IoT is making an impact across banking and finance. Now let\u2019s look at <\/span><i><span style=\"font-weight: 400;\">how <\/span><\/i><span style=\"font-weight: 400;\">it\u2019s being implemented on the ground. Below, I\u2019ve outlined tech already in use across banks and financial institutions. Each one plays a distinct role in making physical infrastructure smarter, more secure, and far more responsive.<\/span><\/p><h3>Automated teller machines (ATMs)<\/h3><p><span style=\"font-weight: 400;\">IoT-connected ATMs report real-time device status, detect tampering, and optimize cash management through predictive refill alerts. You&#8217;ll often find them in high-traffic or remote areas where minimizing downtime is critical.<\/span><\/p><h3>Smart terminals<\/h3><p><span style=\"font-weight: 400;\">Used in-branch and in partner retail locations, these terminals handle contactless transactions and sync behavioral data across customer profiles. They\u2019re particularly effective in co-branded retail spaces where banks want to extend services beyond traditional branches.<\/span><\/p><h3>Wearable device payments<\/h3><p><span style=\"font-weight: 400;\">Smartwatches, rings, and fitness trackers allow for frictionless payments, while also capturing context-rich behavioral signals. This tech typically comes into play during mobile-first experiences, like transit systems or quick-service retail.<\/span><\/p><h3>Smart cards with dynamic CVV2<\/h3><p><span style=\"font-weight: 400;\">These IoT-enabled cards rotate their CVV codes based on time or usage rules, significantly reducing card-not-present fraud. They&#8217;re designed for secure e-commerce and subscription-based payments where static credentials are most vulnerable.<\/span><\/p><h3>Smart transaction verification (STV)<\/h3><p><span style=\"font-weight: 400;\">Context-aware engines verify transactions based on physical factors like device proximity, geolocation, or biometric input. STV is often applied in mobile banking apps or at the point of sale to enable real-time, risk-based authentication.<\/span><\/p><h3>Automated queuing systems<\/h3><p><span style=\"font-weight: 400;\">The system reorganizes queue orders, alerts staff, and adjusts digital signage as needed. These systems are commonly used in larger branches or flagship locations to improve service flow and reduce perceived wait times.<\/span><\/p><h3>Wi-Fi and connectivity solutions in branches<\/h3><p><span style=\"font-weight: 400;\">In-branch connectivity platforms track customer movement, enable geofenced content delivery, and support mobile-based service routing. They support location-aware interactions, such as guiding a customer to the right desk or triggering relevant app notifications.<\/span><\/p><h3><strong>Energy management<\/strong><\/h3><p>IoT sensors monitor lighting, HVAC, and equipment usage based on occupancy and branch activity, then automatically adjust system behavior. Most often, these systems run behind the scenes across entire branch networks to meet both budget and <a href=\"https:\/\/innowise.com\/services\/esg\/\">ESG<\/a> targets.<\/p><h3>Digital signage and information kiosks<\/h3><p>Connected displays update in real time based on branch conditions, promotions, or customer segments currently on-site. You\u2019ll see them in entryways, waiting areas, or near ATMs, adapting content based on time of day or current traffic.<\/p><h3>Advanced security systems<\/h3><p>Smart cameras, IoT-based access control, and sensor-driven threat detection work together to secure both customers and infrastructure. These technologies are integral to vaults, server rooms, and 24\/7 ATM vestibules where real-time alerts are critical.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04a74f5 e-con-full e-flex e-con e-child\" data-id=\"04a74f5\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2cb0e52 e-con-full e-flex e-con e-child\" data-id=\"2cb0e52\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dec689e elementor-widget-tablet__width-inherit elementor-widget__width-initial max100 elementor-widget elementor-widget-heading\" data-id=\"dec689e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Turn proven IoT tech into your bank\u2019s advantage.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b0595c8 e-con-full e-flex e-con e-child\" data-id=\"b0595c8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f3a75c elementor-absolute elementor-widget-mobile__width-inherit transform cta2 elementor-widget elementor-widget-html\" data-id=\"8f3a75c\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n  .wave-container {\r\n    width: 400px;\r\n    height: 400px;\r\n  }\r\n\r\n  @media(max-width: 767px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n\r\n\r\n  .wave {\r\n    position: absolute;\r\n    border: 1px solid rgba(210, 184, 214, 1);\r\n    border-radius: 50%;\r\n    animation: drop 16s infinite;\r\n    top: 50%;\r\n    left: 50%;\r\n    transform: translate(-50%, -50%);\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  @keyframes drop {\r\n    0% {\r\n      width: 0px;\r\n      height: 0px;\r\n      border: 1px solid rgba(210, 184, 214, 1);\r\n    }\r\n\r\n    100% {\r\n      width: 400px;\r\n      height: 400px;\r\n      border: 1px solid rgba(210, 184, 214, 0);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n\r\n  document.addEventListener('DOMContentLoaded', () => {\r\n    function createWaves(numberOfWaves) {\r\n      const waveContainers = document.querySelectorAll('.cta2 .wave-container');\r\n\r\n      waveContainers.forEach((waveContainer) => {\r\n        for (let i = 0; i < numberOfWaves; i++) {\r\n          const wave = document.createElement('div');\r\n          wave.classList.add('wave');\r\n\r\n          wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e31a53b elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"e31a53b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1dea0ad e-con-full e-flex e-con e-child\" data-id=\"1dea0ad\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bd5a140 elementor-widget elementor-widget-text-editor\" data-id=\"bd5a140\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Challenges and risks of IoT in the banking industry<\/h2><p><span style=\"font-weight: 400;\">All of the above may sound pretty inspiring \u2014 and it is. But like any meaningful transformation, implementing IoT comes with its own set of challenges. These aren\u2019t dealbreakers, but they do require careful planning and the right tech strategy. Below, I\u2019ve outlined the most common risks, along with practical ways to navigate them.<\/span><\/p><h3>Securing IoT data and protecting customer privacy<\/h3><p><span style=\"font-weight: 400;\">IoT introduces vulnerabilities across the stack \u2014 from unsecured edge devices to weak encryption in transit. Any exposure of PII or transaction data is a major risk. Adopting <\/span><b>Zero Trust, enforcing TLS encryption, and integrating IoT with SIEM tools<\/b><span style=\"font-weight: 400;\"> helps secure data end-to-end.<\/span><\/p><h3>Managing long-term costs and hidden TCO risks<\/h3><p><span style=\"font-weight: 400;\">IoT costs don\u2019t stop at deployment. Device maintenance, bandwidth, software updates, and vendor dependencies can inflate total cost of ownership. It is important to <\/span><b>plan for TCO early, use modular hardware, and support OTA firmware updates<\/b><span style=\"font-weight: 400;\"> to stay flexible and cost-efficient.<\/span><\/p><h3>Navigating compliance in a real-time, data-rich environment<\/h3><p><span style=\"font-weight: 400;\">IoT data flows challenge traditional models of ownership, storage, and processing. Regulations like GDPR and PSD2 demand full control over sensor data, even from ATMs or beacons. Banks need <\/span><b>governance frameworks with clear rules for minimization, consent, and geographic data control<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><h3>Integrating IoT with legacy banking systems<\/h3><p><span style=\"font-weight: 400;\">Most core systems weren\u2019t built for real-time, high-volume IoT data. Poor integration causes delays, data silos, and workflow breakdowns. <\/span><b>Event-driven architecture, API gateways, and decoupled middleware<\/b><span style=\"font-weight: 400;\"> help bridge the gap without heavy disruption.<\/span><\/p><h3>Maintaining device health and scaling across infrastructure<\/h3><p><span style=\"font-weight: 400;\">At scale, sensor drift, battery failures, and outdated firmware become operational risks. Without monitoring, IoT networks degrade fast. To overcome this, investing in <\/span><b>observability<\/b> <b>tools, automated health checks, and fleet-wide OTA update capabilities<\/b><span style=\"font-weight: 400;\"> is crucial.<\/span><\/p><h3>Handling data overload and ensuring signal quality<\/h3><p><span style=\"font-weight: 400;\">Older or less-optimized systems can be flooded with unfiltered IoT data, slowing down analytics and increasing false positives. Edge computing, stream filtering, and business-rule-driven capture help by pre-processing data at the source, so only relevant information is transmitted or stored.<\/span><\/p><h3>Internal skill gaps and organizational misalignment<\/h3><p><span style=\"font-weight: 400;\">IoT success requires alignment across IT, ops, compliance, and strategy \u2014 yet most banks lack teams with that full spectrum of expertise. Skills gaps and siloed ownership stall projects. <\/span><b>Upskilling, IoT-focused <\/b><a href=\"https:\/\/innowise.com\/services\/devops\/consulting\/\"><b>DevOps<\/b><\/a><b>, and making IoT part of broader digital transformation<\/b><span style=\"font-weight: 400;\"> are key to scaling it effectively.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dafeaef elementor-widget elementor-widget-image\" data-id=\"dafeaef\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"412\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-3.png\" class=\"attachment-full size-full wp-image-182090\" alt=\"Illustration of key challenges and risks of IoT in banking.\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-3.png 1000w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-3-300x124.png 300w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-3-768x316.png 768w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/IoT-in-banking_-welcome-to-the-age-of-intelligent-finance-3-18x7.png 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ad2e61 e-con-full e-flex e-con e-child\" data-id=\"3ad2e61\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd24ec2 elementor-widget elementor-widget-text-editor\" data-id=\"dd24ec2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>What\u2019s next for IoT in banking and finance<\/h2><p>Wondering what\u2019s next for IoT? That\u2019s a timely question, as the trend moves toward deeper integration, blurred lines between technologies, and more real-world intelligence. So let\u2019s take a look at what\u2019s around the corner for IoT in banking and finance, and how it\u2019s likely to shape the near future.<\/p><h3>Edge AI and real-time automation<\/h3><p><span style=\"font-weight: 400;\">The next evolution of IoT in banking won\u2019t just collect data \u2014 it will process and act on it at the edge. Devices will run lightweight AI models to detect anomalies, predict needs, and trigger micro-decisions instantly, without routing everything to the cloud. This enables faster fraud detection, adaptive branch environments, and context-aware customer service.<\/span><\/p><h3>IoT in open finance ecosystems<\/h3><p><span style=\"font-weight: 400;\">As IoT expands beyond branch walls, banks will need to integrate with third-party platforms to remain relevant. Expect APIs and open finance standards to bridge the gap between financial services and real-world touchpoints. IoT will become a key interface between banking systems and the daily lives of customers.<\/span><\/p><h3>AI + IoT for autonomous decisions<\/h3><p><span style=\"font-weight: 400;\">We&#8217;re moving toward systems that don\u2019t just sense context, but act on it autonomously. IoT combined with ML will drive real-time approvals, dynamic pricing, fraud response, and personalized offers without waiting for human intervention. The result: faster decisions, reduced operational load, and a more adaptive customer experience.<\/span><\/p><h3>Privacy, consent, and data monetization<\/h3><p><span style=\"font-weight: 400;\">As banks gather more context-rich data from physical environments, pressure will grow to handle it responsibly. The future of IoT will require granular consent management and privacy-preserving analytics, while tech like differential privacy and zero-knowledge proofs may become part of the financial data stack.<\/span><\/p><h3><span style=\"font-weight: 400;\">IoT\u2019s role in ESG and sustainability<\/span><\/h3><p><span style=\"font-weight: 400;\">Regulators and stakeholders are pushing banks to prove their <\/span><a href=\"https:\/\/www.forbes.com\/councils\/forbestechcouncil\/2022\/11\/18\/how-iot-can-improve-esg-for-companies-and-communities\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">ESG commitments<\/span><\/a><span style=\"font-weight: 400;\">, and IoT offers the data to back it up. From tracking energy use in branches to optimizing travel and equipment cycles, sensor data will feed into real-time ESG reporting and compliance dashboards. Sustainability will move from principle to practice, powered by embedded IoT.<\/span><\/p><h3>IoT-as-a-Service and new models<\/h3><p><span style=\"font-weight: 400;\">Banks are shifting from hardware ownership to service-based models where IoT capabilities are consumed on demand. IoT-as-a-Service allows faster scaling, easier upgrades, and predictable OPEX instead of heavy upfront CAPEX. This model will open the door to more agile experimentation and tighter alignment with cloud-native banking strategies.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6ac00e elementor-widget elementor-widget-text-editor\" data-id=\"b6ac00e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Final thoughts<\/h2><p>So now that I\u2019ve walked you through the key pillars of IoT in banking, you might be asking yourself how to make it work for your business. If you&#8217;re not using IoT yet, this is the moment to consider it. And if you are, it\u2019s worth asking whether you\u2019re truly getting the most out of it.<\/p><p><span style=\"font-weight: 400;\">Either way, the smartest place to start is with a clear assessment of where you stand and what the real opportunity is. At Innowise, we\u2019re here to provide <\/span><a href=\"https:\/\/innowise.com\/services\/iot-consulting\/\"><span style=\"font-weight: 400;\">expert guidance<\/span><\/a><span style=\"font-weight: 400;\"> and help you turn your IoT initiatives into measurable business value.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5442262 e-con-full e-flex e-con e-child\" data-id=\"5442262\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d799dc9 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-shortcode\" data-id=\"d799dc9\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[post_share]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e368924 e-con-full tablePadding40 e-flex e-con e-child\" data-id=\"e368924\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3b32761 e-grid e-con-full e-con e-child\" data-id=\"3b32761\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb209c6 elementor-widget elementor-widget-image\" data-id=\"eb209c6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Rectangle-34624316.png\" class=\"attachment-full size-full wp-image-182085\" alt=\"Siarhei Sukhadolski\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Rectangle-34624316.png 100w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Rectangle-34624316-12x12.png 12w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ed18967 e-con-full e-flex e-con e-child\" data-id=\"ed18967\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9f48553 e-con-full e-flex e-con e-child\" data-id=\"9f48553\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f27a290 elementor-widget elementor-widget-heading\" data-id=\"f27a290\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/innowise.com\/authors\/siarhei-sukhadolski\/\" target=\"_blank\">Siarhei Sukhadolski<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f04da53 elementor-widget elementor-widget-image\" data-id=\"f04da53\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.linkedin.com\/in\/sergey-sukhodolskiy\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"33\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Social-icons-1.svg\" class=\"attachment-full size-full wp-image-181902\" alt=\"Linkedin icon\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05abc20 elementor-widget elementor-widget-text-editor\" data-id=\"05abc20\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tFinTech Expert &#038; Head of Competence Center\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d7574d e-con-full e-flex e-con e-child\" data-id=\"9d7574d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b79978 text4String elementor-widget elementor-widget-text-editor\" data-id=\"5b79978\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Siarhei leads our FinTech direction with deep industry knowledge and a clear view of where digital finance is heading. He helps clients navigate complex regulations and technical choices, shaping solutions that are not just secure \u2014 but built for growth.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b9278ad table-content-container e-con-full e-flex e-con e-child\" data-id=\"b9278ad\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-60f05a0 e-con-full table-of-contents__sticky-container e-flex e-con e-child\" data-id=\"60f05a0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f6ca3c ddcv elementor-widget elementor-widget-html\" data-id=\"0f6ca3c\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n\r\n.article-description > .e-con-inner{\r\n     align-items: baseline !important;\r\n}\r\n\r\n.table-content-container {\r\n    position: sticky;\r\n    top: 72px;\r\n    bottom: auto;   \r\n}  \r\n\r\n<\/style>\r\n\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", ()=>{\r\n        \r\nconst headerElement = document.querySelector(\".new-menu\");\r\n\r\nconst stickyElement = document.querySelector(\".table-content-container\");\r\n\r\nconst headerElementH = headerElement.clientHeight;\r\n\r\nstickyElement.style.top =  headerElementH + 60 + \"px\"\r\n        \r\n});\r\n<\/script>\r\n\r\n<!--NOTE Change data-id in wrapper styles for hide this block on the mobile device screen-->\r\n<div class=\"toc-wrapper\">\r\n  <h3 class=\"toc-title\">Table of contents<\/h3>\r\n  <div class=\"toc-2\"><\/div>\r\n<\/div>\r\n\r\n<script>\r\n  \/\/NOTE Add the value from h2 as the key and the text you want to display as the key value in LINKS variable:\r\n  \/\/   const LINKS = {\r\n  \/\/       \"The demand for retail digital transformation\": \"The demand\"\r\n  \/\/   }\r\n\r\n  const LINKS = {\r\n    \"Unleashing the power of .NET 8\": \"gggggg\",\r\n    \"Revamping legacy systems: unlocking business potential through software modernization\":\r\n      \"hello\",\r\n  };\r\n\r\n  const OFFSET = 70;\r\n   const PADDING_BOTTOM_FOR_SCROLL = 100;\r\n  let allHeaders = [];\r\n\r\n  const forEach = (array, callback, scope) => {\r\n    for (let i = 0; i < array.length - 1; i++) {\r\n      callback.call(scope, i, array[i]);\r\n    }\r\n  };\r\n\r\n  const createList = () => {\r\n    const tocTarget = document.querySelector(\".toc-2\");\r\n    const toc = document.createElement(\"ul\");\r\n    \r\n    \r\n    let headerList = [...document.querySelectorAll(\"h2\")];\r\n\r\n    \r\n    const filteredHeaders = [\r\n        \/\/document.querySelector(\"#faq-h2 h2\"),\r\n        document.querySelector(\".related_content_blog_container h2\"),\r\n        document.querySelector(\".net-15.dt-16 h2\"),\r\n        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idFromText);\r\n      newLink.textContent = LINKS[headerText] || headerText;\r\n\r\n      newLink.addEventListener(\"click\", (e) => {\r\n        e.preventDefault();\r\n        const allLinks = Array.from(document.querySelectorAll(\"div.toc-2 ul li\"));\r\n        allLinks.forEach((link, i) => {\r\n          i < index\r\n            ? link.classList.add(\"pre-active\")\r\n            : link.classList.remove(\"active\", \"pre-active\");\r\n        });\r\n\r\n        const parentListItem = e.target.parentNode;\r\n        parentListItem.classList.add(\"active\");\r\n\r\n        const y =\r\n          header.getBoundingClientRect().top +\r\n          window.pageYOffset -\r\n          PADDING_BOTTOM_FOR_SCROLL -\r\n          OFFSET;\r\n        window.scrollTo({ top: y, behavior: \"smooth\" });\r\n      });\r\n\r\n\r\n      newListItem.appendChild(newLink);\r\n        toc.appendChild(newListItem)\r\n    });\r\n    \r\n    tocTarget.appendChild(toc);\r\n  };\r\n\r\n  const setContainerHeight = () => {\r\n    const windowHeight = window.innerHeight;\r\n    const tocContainer = document.querySelector(\".ddcv\");\r\n\r\n    tocContainer.style.maxHeight = \"calc(100vh - 230px)\";\r\n    tocContainer.style.minHeight = \"200px\";\r\n    tocContainer.style.overflowY = \"auto\";\r\n  };\r\n\r\n  const selectCurrentHeader = (i) => {\r\n    const allLinks = Array.from(document.querySelectorAll(\"div.toc-2 ul li\"));\r\n    allLinks.forEach((link, index) => {\r\n      index === i\r\n        ? link.classList.add(\"active\")\r\n        : link.classList.remove(\"active\");\r\n    });\r\n\r\n    allLinks[i].blur();\r\n  };\r\n\r\n  const checkScroll = () => {\r\n    setTimeout(() => {\r\n      const windowHeight = window.innerHeight;\r\n      const scrollTop = window.scrollY || document.documentElement.scrollTop;\r\n\r\n      let selectedHeaderIndex = -1;\r\n\r\n      allHeaders.forEach((header, index) => {\r\n        const headerRect = header.getBoundingClientRect();\r\n        const 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document.addEventListener(\"scroll\", handleScroll);\r\n  });\r\n\r\n  const handlePageUnload = () => {\r\n    document.removeEventListener(\"scroll\", handleScroll);\r\n  };\r\n\r\n  window.addEventListener(\"beforeunload\", handlePageUnload);\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f694b8 e-flex e-con-boxed e-con e-parent\" data-id=\"0f694b8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b2bbc0b elementor-widget elementor-widget-shortcode\" data-id=\"b2bbc0b\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f100240-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"100240\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/nb\/wp-json\/wp\/v2\/posts\/182041#wpcf7-f100240-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" enctype=\"multipart\/form-data\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"100240\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f100240-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<style>\n#form-templates .contact__info {\n  background-color: #f4f4f4;\n  padding: 70px 44px 70px 50px;\n  position: relative;\n  max-width: 540px;\n  width: 100%;\nborder: 1px solid #AEB1B7;\n}\n\n#form-templates .contact__info-background {\n  z-index: -1;\n  position: absolute;\n  top: 20px;\n  left: 20px;\n  width: 100%;\n  height: 100%;\n  border: 1px dashed #ef4557;\n}\n\n\n#form-templates .new-container{\ndisplay: flex;\njustify-content: space-between;\nflex-wrap: wrap;\n}\n\n\n#form-templates{\npadding: 100px 15px 100px 15px;        \n}\n\n#form-templates .contact__info-heading {\n  font-family: 'Sora' !important;\n  font-style: normal !important;\n  font-weight: 400 !important;\n  font-size: 36px !important;\n  line-height: 46px !important;\n  color: #2E2E2E !important;\n   margin-bottom: 60px !important;\n\n}\n\n\n#form-templates .message label{\ncolor: #585858 !important;   \n}\n\n.elementor-widget-container.form-template h2,.elementor-widget-container.form-template h1{\n font-size: 60px !important;\n  line-height: 70px !important;\n  font-family: \"Sora\", Sans-serif;\n  font-weight: 400;\n  margin: 0;  \n  margin-bottom: 20px;\n}\n\n\n\n\n.elementor-widget-container.form-template p{\n  font-family: \"Karla\", Sans-serif;\n  font-size: 22px;\n  font-weight: 400;\n  line-height: 28px;\n  color: var( --e-global-color-primary );\n  max-width: 700px;\n  margin: 0; \n  margin-bottom: 40px;\n} \n  \n\n\n.new-container #spinner{\nwidth: 50%;\nmax-width: 700px;\n}\n\n\n#form-templates .new-container #spinner div.contact-us__wrapper:nth-child(6){\ngap:30px; \n    \n}\n\n\n#form-templates .contact__info-heading {\n  margin-bottom: 67px;\n  font-size: 36px;\n  font-family: karla;\n  color:  #2E2E2E;\n\n  line-height: 49px;\n}\n\n#form-templates .contact__info-steps {\n  display: flex;\n  flex-direction: column;\n  max-width: 425x;\n  row-gap: 20px;\n  border-left: 1px solid #2e2e2e;\n}\n\n#form-templates .contact__info-block {\n  position: relative;\n  padding-left: 45px;\n}\n\n#form-templates .contact__info-block:last-child {\n  box-shadow: -1px 0 0 1px #f4f4f4;\n}\n\n#form-templates .contact__info-step {\n  position: absolute;\n  border: 1px solid #2e2e2e;\n  width: 40px;\n  height: 40px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  border-radius: 20px;\n  left: -20px;\n  top: -8px;\n  background-color: #F4F4F4;\n  color:  #2E2E2E;\n\nfont-family: Karla;\nfont-weight: 700;\nfont-size: 18px;\nline-height: 28px;\n\n}\n\n.elementor-widget-global .contact__info-step {\n        color:  #2E2E2E;\n}\n\n#form-templates .contact__info-text {\n  margin: 0;\n  font-size: 16px;\n  line-height: 26px;\n  color: #2E2E2E;\n  font-family: karla;\n\n  width: 100%;\n}\n\n\n#form-templates .contact-us__send{\nflex-shrink: 0;\nmargin-top:0;\n}\n\n\n\n@media screen and (max-width: 1279px) {\n    .new-container #spinner{\n        width: 100%;\n        max-width:100%;\n        margin-bottom:40px;\n    }\n    \n\n    .new-container .contact__info {\n        max-width: 700px !important;\n    }\n    \n}\n\n\n@media screen and (max-width: 1279px) {\n#form-templates{\npadding: 60px 15px 70px 15px;     \n}\n}\n\n\n\n@media screen and (max-width: 767px) {\n\n#form-templates .new-container #spinner div.contact-us__wrapper:nth-child(6){\ngap:20px; \n \n}\n\n\n  #form-templates .contact__info {\n    padding: 20px 20px 40px 40px;\n    margin: 0 auto;\n  }\n\n\n#form-templates{\npadding: 40px 15px 50px 15px;  \n    \n}\n\n  \n   .new-container #spinner{\n       \n    margin-bottom:30px;   \n   }\n   \n   \n   .elementor-widget-container.form-template h2,.elementor-widget-container.form-template h1{\n   font-size: 32px !important;\n    line-height: 42px !important;    \n   }\n   \n   \n   .elementor-widget-container.form-template p{\n       \n    font-size: 16px;\n    line-height: 20px;  \n    margin-bottom: 30px;\n \n       \n   }\n   \n   #form-templates .contact__info-heading{\n   font-size: 24px !important;\n    line-height: 49px !important;    \n       \n   }\n   \n\n.mailToContact{\nmargin-top: 10px !important;        \n}\n   \n\n  #form-templates .contact__info-heading {\n    font-size: 24px;\n    margin-bottom: 37px;\n  }\n\n  #form-templates .contact__info-background {\n    top: 10px;\n    left: 10px;\n  }\n\n  #form-templates .contact__info-text {\n    font-size: 12px;\n    line-height: 20px;\n  }\n  \n  \n  #form-templates .contact__info-heading {\n   margin-bottom: 35px !important;\n\n}\n\n}\n\n@media (max-width: 767px) {\n    .mailToContact {\n        max-width: 100%;\n    }\n}\n<\/style>\n\n<script>\nwindow.addEventListener('hashchange',function(e){if(window.history.pushState){window.history.pushState('','\/',window.location.pathname)}else{window.location.hash=''}})\n<\/script>\n\n\n<div id=\"form-templates\">\n<div class=\"elementor-widget-container form-template\">\n<a name=\"contact-form\"><\/a>\n<h2>Contact us<\/h2>\n<p><a id=\"calendlylink\" style=\"color: #c63031; border-bottom: 1px solid #c63031; padding: 0;\">Book a call<\/a> or fill out the form below and we\u2019ll get back to you once we\u2019ve processed your request.<\/p>\n<\/div>\n\n<div class=\"new-container\">\n\n\n<div class=\"contact-us__main\" id=\"spinner\" data-no-defer=\"1\">\n\n<div class=\"contact-us__wrapper\">\n\n<div class=\"name\">\n<label>Name<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"field_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required contact-us__name\" id=\"contact-name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name*\" value=\"\" type=\"text\" name=\"field_name\" \/><\/span>\n<\/div>\n\n<div class=\"company\">\n<label>Company<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"company\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required contact-us__company\" id=\"contact-company\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company*\" value=\"\" type=\"text\" name=\"company\" \/><\/span>\n<\/div>\n\n<\/div>\n\n<div class=\"contact-us__wrapper\">\n\n<div class=\"email\">\n<label>Email<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email contact-us__email\" id=\"contact-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Corporate email*\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n<\/div>\n\n<div class=\"phone\">\n<label>Phone<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel contact-us__phone\" id=\"contact-phone\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone*\" value=\"\" type=\"tel\" name=\"tel\" \/><\/span>\n<\/div>\n\n<\/div>\n<div class=\"contact-us__wrapper subj\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-recipient\"><select class=\"wpcf7-form-control wpcf7-select\" id=\"form-field-subj_js\" aria-invalid=\"false\" name=\"your-recipient\"><option value=\"\">Subject*<\/option><option value=\"IT staff augmentation\">IT staff augmentation<\/option><option value=\"Turnkey product development\">Turnkey product development<\/option><option value=\"Support and enhancement\">Support and enhancement<\/option><option value=\"Careers\">Careers<\/option><option value=\"Other\">Other<\/option><\/select><\/span>\n\n<span class=\"wpcf7-form-control-wrap\" data-name=\"form-field-budget_js\"><select class=\"wpcf7-form-control wpcf7-select\" id=\"form-field-budget_js\" aria-invalid=\"false\" name=\"form-field-budget_js\"><option value=\"\">Project budget<\/option><option value=\"Under $15K\">Under $15K<\/option><option value=\"$15K-$30K\">$15K-$30K<\/option><option value=\"$30K-$100K\">$30K-$100K<\/option><option value=\"$100K-$250K\">$100K-$250K<\/option><option value=\"$250K-$500K\">$250K-$500K<\/option><option value=\"More than $500K\">More than $500K<\/option><\/select><\/span>\n\n<\/div>\n\n\n<div class=\"message\">\n<label>Message<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"message\"><textarea cols=\"40\" rows=\"1\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required contact-us__message\" id=\"contact-message\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Describe your needs in detail*\" name=\"message\"><\/textarea><\/span>\n<\/div>\n\n<div class=\"atvoice-wrap\">\n\n<div class=\"voice-wrap\">\n<span id=\"voice-mut\" class=\"voicetext\">Send us a voice message<\/span>\n         <div class=\"qc_voice_audio_wrapper\">\n            <div class=\"qc_voice_audio_container\">\n                <div class=\"qc_voice_audio_upload_main\" id=\"qc_audio_main\">\n                    <a class=\"qc_audio_record_button\" id=\"qc_audio_record\" href=\"#\" aria-label=\"Record an audio message\">\n                        <span class=\"dashicons dashicons-microphone\"><\/span> \u00a0<\/a> \n                <\/div>\n\n                <div class=\"qc_voice_audio_recorder\" id=\"qc_audio_recorder\" style=\"display:none\">\n\n                <\/div>\n                <div class=\"qc_voice_audio_display\" id=\"qc_audio_display\"  style=\"display:none\">\n                    <audio id=\"qc-audio\" controls src=\"\"><\/audio>\n                    <span title=\"Remove and back to main upload screen.\" class=\"qc_audio_remove_button dashicons dashicons-trash\"><\/span>\n                <\/div>\n            <\/div>\n            <input type=\"hidden\" value=\"\" name=\"qcwpvoicemessage\" id=\"qc_audio_url\" \/>\n        <\/div>\n        \n<\/div>\n\n\n<div class=\"attach-wrap\">\n<span class=\"voicetext\">Attach documents<\/span>\n\n<div class='attachment'>\n\n<div class=\"downloaded\">\n<span><\/span>\n<div class=\"deleteFile\"><\/div>\n<\/div>\n\n<div class=\"attachmentButton\" onclick=\"(function cl(e){if(e.target.nodeName == 'DIV'){e.target.parentNode.children[1].children[0].click(); }})(arguments[0]);\">\n\n<div class=\"innerText\">Upload file<\/div>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"att-files\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-file\" accept=\".jpg,.png,.jpeg,.pdf\" aria-invalid=\"false\" type=\"file\" name=\"att-files\" \/><\/span>\n\n<div class=\"tip\" onclick=\"event.stopPropagation()\">\n<p>You can attach 1 file up to 2MB. Valid file formats: pdf, jpg, jpeg, png.<\/p>\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<\/div>\n\n<div class=\"contact-us__wrapper\"> \n<p class=\"pp\">By clicking Send, you consent to Innowise processing your personal data per our<a href=\"\/privacy-notice\/\"> Privacy Policy <\/a>to provide you with relevant information. By submitting your phone number, you agree that we may contact you via voice calls, SMS, and messaging apps. Calling, message, and data rates may apply.<\/p>\n\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"scoring_point\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmCampaign\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmContent\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmMedium\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmSource\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmTerm\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"location\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"city\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"ip\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"Summ\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gclid\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"rating\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"urlCompany\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"urlWithParams\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"audioMessageLink\" \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner contact-us__send\" id=\"contact-send-button\" type=\"submit\" value=\"Send\" \/>\n<\/div>\n\n<div class='mailToContact'>You can also send us your request <\/br>to <a href=\"mailto:contact@innowise.com\">contact@innowise.com<\/a><\/div>\n\n<\/div>\n\n<div class=\"elementor-widget-container\" style=\"z-index:1;\">\n<div class=\"contact__info\">\n  <div class=\"contact__info-background\"><\/div>\n  <div class=\"contact__info-heading\">What happens next?<\/div>\n  <div class=\"contact__info-steps\">\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">1<\/div>\n      <p class=\"contact__info-text\">Once we\u2019ve received and processed your request, we\u2019ll get back to you to detail your\n        project needs and sign an NDA to ensure confidentiality.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">2<\/div>\n      <p class=\"contact__info-text\">After examining your wants, needs, and expectations, our team will devise a project\n        proposal with the scope of work, team size, time, and cost estimates.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">3<\/div>\n      <p class=\"contact__info-text\">We\u2019ll arrange a meeting with you to discuss the offer and nail down the details.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">4<\/div>\n      <p class=\"contact__info-text\">Finally, we\u2019ll sign a contract and start working on your project right away.<\/p>\n    <\/div>\n  <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\n<\/div>\n\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"related_content_blog_container\">[related_content_list]<\/div><script>\n            jQuery( document ).ready(function($) {\n            var parentSection = $('[data-elementor-type=\"wp-page\"]');\n            if($('[data-elementor-type=\"wp-post\"]').length){\n                var parentSection = $('[data-elementor-type=\"wp-post\"]');\n            }\n            \n                parentSection.children().last().before($('.related_content_blog_container'));\n            });\n            <\/script><div class=\"other_services_container\">[need_other_services_v2]<\/div><script>\n                    jQuery( document ).ready(function($) {\n                        var parentSection = $('[data-elementor-type=\"wp-page\"]');\n                        if($('[data-elementor-type=\"wp-post\"]').length){\n                            var parentSection = $('[data-elementor-type=\"wp-post\"]');\n                        }\n                        \n                        console.log(parentSection);\n                        parentSection.children().last().before($('.other_services_container'));\n                        var sections = parentSection.find('.net-15.dt-16');\n                        for(var i = 0; 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They\u2019ve had ATMs, branch footfall counters, smart vaults, even geolocation data for years. The problem? 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