Where finance meets intelligent automation
Building the future of financial services
From payment apps to lending platforms — we help fintech startups and financial institutions build secure, scalable, and intelligent financial products that transform how people manage money.
The Landscape
The FinTech Technology Landscape
India's fintech revolution is reshaping financial services. With UPI processing billions of transactions monthly and digital lending reaching underserved populations, the opportunity is immense. Bangalore leads with 10+ fintech unicorns, making it the ideal base for building the next generation of financial technology.
Challenges
- Complex regulatory compliance across RBI, SEBI, and state regulations
- Security and fraud prevention at massive transaction scale
- Building trust with users for financial data handling
- Integration with legacy banking infrastructure
- Real-time processing requirements for payments and trading
Opportunities
- AI-powered credit scoring for underserved populations
- Intelligent fraud detection and prevention systems
- Conversational banking and customer support automation
- Automated KYC and document verification
- Personalised financial advisory and wealth management
AI Applications
Where AI creates real competitive advantage
Payment App Development
Build UPI-enabled payment applications with wallet functionality, P2P transfers, bill payments, and merchant integration. Secure, fast, and compliant with RBI regulations.
Sub-second payment processing with 99.9% uptime
AI Credit Scoring
Develop alternative credit scoring models using transaction data, behavioural patterns, and non-traditional data sources. Extend credit to the underbanked population responsibly.
Evaluate creditworthiness for thin-file customers
Fraud Detection & Prevention
Real-time fraud detection systems that analyse transaction patterns, device fingerprints, and behavioural anomalies. Block fraudulent transactions before they complete.
Reduce fraud losses by 60-80%
Digital Lending Platform
End-to-end lending platforms with automated underwriting, disbursement, and collection workflows. From personal loans to BNPL solutions.
Loan decisioning in minutes, not days
KYC & Document Verification
Automate customer onboarding with AI-powered document verification, face matching, and liveness detection. Compliant with Video KYC guidelines.
Complete KYC in under 2 minutes
Conversational Banking
Intelligent chatbots and voice assistants that handle account queries, transaction disputes, and financial guidance. Multilingual support for regional languages.
Handle 70% of customer queries automatically
Wealth Management & Advisory
Robo-advisory platforms that provide personalised investment recommendations based on risk profile, goals, and market conditions.
Democratise wealth management for retail investors
Regulatory Compliance Automation
Automate compliance reporting, transaction monitoring, and suspicious activity detection. Stay ahead of regulatory requirements with intelligent systems.
Reduce compliance costs by 40%
Solution Spotlights
How we bring these solutions to life
Payment App Like Paytm or PhonePe
We build complete payment ecosystems — UPI integration, wallet management, bill payments, merchant onboarding, and rewards systems. Our Bangalore team has deep experience with NPCI protocols and RBI compliance requirements.
What we deliver
- UPI integration with NPCI-certified infrastructure
- Digital wallet with RBI prepaid instrument license compliance
- P2P and P2M payment flows
- Bill payment aggregation and BBPS integration
- Merchant onboarding and QR code management
- Rewards and cashback engine
Outcome: Launch a fully compliant payment app that scales to millions of transactions daily.
Digital Lending Platform
From loan origination to collection, we build end-to-end lending platforms. Automated credit decisioning, digital agreements, disbursement integration, and collection workflows — all compliant with RBI digital lending guidelines.
What we deliver
- Loan management system with configurable products
- AI-powered credit scoring and underwriting
- eKYC and Video KYC integration
- eSign and eStamp for digital agreements
- Bank integration for disbursement and repayment
- Collection workflow automation
Outcome: Disburse loans in minutes with automated decisioning and compliant digital journeys.
Neo-Banking Platform
Build modern banking experiences on top of partner bank infrastructure. Account opening, card issuance, expense tracking, and financial insights — all wrapped in a delightful mobile experience.
What we deliver
- Partner bank API integration
- Virtual and physical card issuance
- Expense categorisation and insights
- Savings goals and automated transfers
- Bill splitting and shared accounts
- Financial health scoring
Outcome: Launch a neo-bank that attracts millennials and Gen-Z with superior UX and smart features.
How We Help
Services for FinTech & Banking
Real Impact
What AI delivers for fintech & banking
Transaction Speed
Process payments and lending decisions in seconds, not days. Real-time systems that match user expectations.
Fraud Prevention
AI-powered fraud detection that blocks suspicious transactions while minimising false positives.
Financial Inclusion
Extend credit and banking services to underserved populations through alternative data and AI scoring.
Compliance Confidence
Automated compliance systems that keep you ahead of regulatory requirements and reduce audit burden.
Common Questions
FAQ
We have deep experience with RBI regulations including PA-PG guidelines, digital lending norms, and prepaid instrument rules. Our architecture patterns are designed for compliance from day one, with proper audit trails, data localisation, and reporting capabilities.
Security is foundational, not an afterthought. We implement encryption at rest and in transit, secure key management, PCI-DSS compliant card handling, and comprehensive access controls. Regular security audits and penetration testing are part of our process.
Yes. We regularly integrate with core banking systems, payment switches, and banking APIs. Whether it's NPCI for UPI, card networks for payments, or partner banks for neo-banking, we handle the complexity of financial integrations.
Responsibly. Our credit models are designed for explainability and fairness. We use alternative data to expand access, but with proper validation to ensure models don't perpetuate bias. Regulatory requirements for model governance are built into our approach.
Bangalore is India's fintech capital with 10+ unicorns. We're embedded in this ecosystem, understanding the regulatory landscape, partnership opportunities, and technical challenges unique to Indian fintech. Our team has worked with payment companies, lending platforms, and wealth-tech startups.
Ready to build the next fintech unicorn?
Whether you're a startup building a payment app or an established player adding AI capabilities — let's discuss how we can help you build secure, compliant, and intelligent financial products.
Ready to start building?
Share your project details and we'll get back to you within 24 hours with a free consultation—no commitment required.
Registered Office
Boolean and Beyond
825/90, 13th Cross, 3rd Main
Mahalaxmi Layout, Bengaluru - 560086
Operational Office
590, Diwan Bahadur Rd
Near Savitha Hall, R.S. Puram
Coimbatore, Tamil Nadu 641002