How we help
Financial software carries constraints most products don't: every state change needs to be reconstructable, money movement has to be idempotent, and a regulator may ask you to prove what happened on a specific day two years ago. We design for that from the first schema, because retrofitting auditability is close to a rewrite.
Onboarding is where most digital lending and banking products lose customers. KYC and AML checks involve document capture, identity verification, sanctions and PEP screening, and risk scoring — each a potential drop-off point. The engineering goal is to move the slow checks off the critical path and keep the customer moving, while keeping a defensible decision record.
In India that means designing around the actual rails: UPI for payments, Aadhaar-based and video KYC flows under RBI's Master Direction, account aggregator consent for financial data, and RBI's data-localisation expectations for payment data. International products add PCI DSS for card data and ISO 20022 for messaging.
Legacy cores are the other reality. Very few institutions can replace a core system in one move, and the ones that try are the cautionary tales. We favour strangler-fig migration: put an API facade in front, move one capability at a time, keep both systems reconcilable during the transition, and make every step reversible.
Challenges we solve
- Auditability and reconstructable transaction history
- KYC/AML onboarding friction versus drop-off
- Legacy core systems that can't be replaced in one move
- Fraud pressure without blocking legitimate customers
- RBI, PCI DSS and data-localisation obligations at once
Standards & regulations
Systems we integrate with
Solutions for finance & banking
Digital banking & payments
Account, card, and payment experiences built on UPI and card rails, with idempotent money movement and a reconstructable ledger.
KYC/AML onboarding
Document capture, video KYC, sanctions and PEP screening, and risk scoring — engineered to keep the customer moving while the record stays defensible.
Fraud detection with ML
Real-time anomaly detection with tunable thresholds and analyst review, so false positives don't cost you good customers.
Core modernization
Strangler-fig migration off legacy cores: API facade first, one capability at a time, reconcilable throughout, reversible at every step.
Services for this industry
Tell us what you're trying to build
A 30-minute call, free and with no pressure. You'll leave with a clearer view of scope, cost, and timeline — whether or not you work with us.