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BFSI & FinTech

Modernize the Core. Move at Fintech Speed.

We help banks, insurers, NBFCs and fintechs modernize core systems, open them up through secure APIs, and use data and AI for fraud, risk and customer experience. Everything is built to meet PCI DSS, KYC/AML and regulatory expectations from day one.

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Our point of view

Most financial institutions don’t lack ideas. They lack a core that can move. We modernize around the core first, with APIs, data and automation, so new products, AI and compliance stop waiting on legacy release cycles.

  • Banks
  • Insurance
  • NBFCs & Lenders
  • Fintech & Payments

BFSI Now

What Is Changing in Financial Services

Legacy cost, cyber risk and AI are reshaping every technology decision in banking, insurance and payments.

Strategic Priorities

The Problems Financial Services Leaders Bring to Us

Six recurring issues we hear from CIOs, CROs, COOs and product heads. Each one maps to the capabilities further down this page.

  1. A Core That Can’t Keep Up

    Core banking and policy admin systems slow every product launch and change.

    A new product takes a year.

  2. Fraud and Financial Crime

    Real-time payments and digital channels widen the window for fraud and AML risk.

    Fraud moves faster than our rules.

  3. Regulatory Pressure

    KYC/AML, regulatory reporting, DORA, PCI DSS and audit demands keep rising.

    Compliance eats the roadmap.

  4. Manual Onboarding and Operations

    KYC, loan origination and claims still run on documents and handoffs.

    Onboarding takes days, customers want minutes.

  5. Fragmented Customer Data

    Accounts, products and channels sit in silos, so there’s no single customer view.

    We can’t see the whole relationship.

  6. AI Without Model Risk Controls

    AI pilots stall on explainability, model risk management and data governance.

    Risk won’t sign off on a black box.

Sub-Segments

Who We Work With in Financial Services

Each segment runs different systems and answers to different regulators. We shape teams and compliance to each one.

Two advisers reviewing figures on a tablet

Retail, corporate, digital banks

Banks

Modernize the core, open APIs and build digital journeys customers trust.

Who we work with: CIO, CTO, Head of Digital, CRO

  • People signing documents at a table beside a calculator

    Life, health, general insurers

    Insurance

    Speed up underwriting, claims and policy servicing with clean data and automation.

    Who we work with: CIO, Claims Head, Underwriting, COO

  • Applicant filling in a credit application form

    Lending, credit, collections

    NBFCs & Lenders

    Faster loan origination, credit decisioning and collections.

    Who we work with: CTO, Credit Head, Operations

  • Phone being tapped on a card payment terminal

    Payments, wallets, wealth, lending platforms

    Fintech & Payments

    Build secure, scalable platforms that pass bank-partner and regulator scrutiny.

    Who we work with: Founder, CTO, Head of Compliance

Value Chain & Use Cases

Where We Help Across the Financial Services Value Chain

Use cases we deliver at each stage, tagged by the capability behind them.

  1. 01

    Onboarding & KYC

    • AIDigital onboarding with e-KYC and document AI
    • AutomationKYC/AML case workflows
  2. 02

    Lending & Underwriting

    • PlatformsLoan origination system (LOS) integration
    • AICredit scoring and risk models
  3. 03

    Payments

    • EngineeringReal-time payments, UPI and ISO 20022 integration
    • AIReal-time fraud detection
  4. 04

    Core & Operations

    • ModernizationCore banking and policy admin modernization
    • AutomationBack-office reconciliation automation
  5. 05

    Risk & Compliance

    • DataRegulatory reporting data platform
    • GovernanceModel risk management and explainable AI
  6. 06

    Customer & Growth

    • PlatformsCustomer 360 on Salesforce Financial Services Cloud
    • AINext-best-offer and churn prediction

Sample Engagements

What Working With Us Could Look Like

Typical projects based on the problems above, with realistic scope and timelines.

  • Two colleagues discussing information on screens at a tableIllustrative engagement

    Bank

    API Layer Around a Legacy Core

    Situation
    Every new digital product needs changes to an ageing core banking system, so launches take months.
    What we would do
    An API and integration layer around the core, with event streaming, open banking APIs and security controls.
    • Weeks, not monthsto launch new products (target)
    • 14–18 wksto first release
  • Colleagues reviewing documents and a tablet at a deskIllustrative engagement

    NBFC

    Minutes-Not-Days Loan Onboarding

    Situation
    Loan applications are keyed in by hand from documents, and KYC checks run in a separate queue.
    What we would do
    Document AI for application data, automated KYC/AML checks, LOS integration and a reviewer work queue.
    • 50–70%less manual entry (target)
    • 10–12 wksto first release
  • Monitors showing financial charts on a deskIllustrative engagement

    Fintech

    Real-Time Fraud Detection for a Payments Platform

    Situation
    Rule-based fraud checks miss new patterns and block good customers.
    What we would do
    A real-time event pipeline, ML fraud scoring, explainable alerts and an analyst case workflow.
    • Real-timefraud scoring (target)
    • 12–16 wksto go-live

Capabilities

Capabilities Mapped to Your Priorities

See which of our practices answers each priority, so you know where to start.

  • Data & Analytics

    Platforms, real-time data, reporting

    Answers
    • Fraud
    • Regulation
    • Customer Data
    • AI Risk

  • AI & Automation

    ML, GenAI, document AI, RPA

    Answers
    • Fraud
    • Regulation
    • Onboarding
    • Customer Data

  • Core & App Modernization

    APIs, integration, cloud

    Answers
    • Core
    • Onboarding
    • Customer Data

  • Enterprise Platforms

    Salesforce FSC, ServiceNow, SAP

    Answers
    • Core
    • Onboarding
    • Customer Data

  • Security & Governance

    PCI DSS, model risk, controls

    Answers
    • Fraud
    • Regulation
    • AI Risk

  • Specialist Talent

    Engineers, data and risk specialists

    Answers
    • Core
    • Regulation
    • AI Risk

How We Work

Five Steps From Idea to Measurable Results

Discuss Your Financial Services Priorities

  1. Assess

    Understand goals, systems, data and regulatory scope, and agree what success means.

  2. Prioritise

    Score use cases by value, data readiness and regulatory risk, and pick the first one.

  3. Integrate & Build

    Connect the systems and data the first use case needs, with security and audit trails built in.

  4. Validate

    Test with real users and data, document controls for risk and compliance, and measure against the baseline.

  5. Scale

    Roll out to more products, channels and markets, hand over, or let us run it for you.

FAQs

Questions Financial Services Teams Ask Us

Still have a question?

Talk to someone who knows banking systems, regulations and teams.

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How do you handle security and regulatory compliance?

We work inside your security model and design PCI DSS-aligned controls, encryption, access management and audit trails into every build, with documentation your risk and audit teams can review.

Can you modernize without replacing our core banking system?

Yes. We often build an API and integration layer around the core, so you can launch new products now and modernize the core in stages.

How do you make AI acceptable to risk and compliance?

Explainable models, model risk management documentation, human review and monitoring for bias and drift.

Do you work with payments, UPI and open banking?

Yes. We integrate real-time payments, UPI, ISO 20022 messaging and open banking APIs, with fraud and security controls built in.

What is the fastest way to get started?

A short assessment that maps your systems, data and regulatory scope, then one high-value use case delivered first.

Let’s Build Together

Build Financial Services Customers Trust.

Modernize the core, stop fraud faster, simplify compliance and use AI your risk team can sign off.

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  • Core Modernization
  • Fraud & Risk AI
  • Compliance
  • Customer 360