Industry
Fintech
Payments, lending and wealth platforms built to scale and to satisfy your partner bank. Indian fintech rides on public rails like UPI, Account Aggregator, eKYC and NACH, usually in partnership with a regulated bank or NBFC. The product has to move fast, but the ledger must always balance, reconciliation must close daily and the partner's compliance team must be able to see every control.
- Payment aggregators and gateways
- Digital lending platforms
- Wealth and investment apps
- Neo banking and card programmes
- B2B payments and expense management
- Cross border remittance
The pressure points
What slows fintech teams down
- Ledgers that drift
- Transactions pass through gateways, banks and wallets with different settlement cycles. Without a proper double entry ledger, reconciliation breaks at volume.
- Fraud moves faster than rules
- Mule accounts, account takeovers and promo abuse adapt quickly. Static rules catch yesterday's pattern.
- Partner and regulator requirements
- Partner banks expect audit trails, data localisation, grievance handling and outsourcing controls before they go live and at every review.
- Growth outpacing operations
- Support, disputes and chargebacks grow with users, while operations teams still work from exports and shared sheets.
Systems this sector runs on
The software we build and connect
Each of these can be built new, extended from what you already use, or connected to your existing ERP and accounting.
- Loan Origination and Loan Management SystemLoan managementDigital loan flows with KFS generation, disbursal to borrower accounts, repayment via UPI AutoPay or NACH, and co-lending splits.
- Recurring Billing and Subscription ManagementBilling and subscriptionsFee calculation, MDR, subscription plans and GST invoices for merchants and users.
- Customer and Partner Self-Service PortalsCustomer portalsMerchant dashboards for settlements, refunds and disputes, and user apps for statements and support.
- Governance, Risk and Compliance ManagementGRC and complianceControls register, partner bank audit evidence, grievance redressal logs and policy reviews.
- Business Intelligence and Management DashboardsBI and dashboardsTPV, success rates by bank and method, collections, fraud losses and unit economics by cohort.
Built for this sector
Systems specific to fintech
The work that generic software does not cover, and where most of the value sits.
- Double entry ledger
- An immutable ledger with accounts per user, merchant and pool, idempotent postings and balances that can be audited at any point in time.
- Reconciliation engine
- Matches gateway, bank, NPCI and internal records daily, ageing breaks and routing them to an ops queue with suggested fixes.
- Real time fraud and risk engine
- Device, velocity and behaviour signals scored in milliseconds with rule overrides and case management for analysts.
- Dispute and chargeback workflow
- Intake, evidence collection, network deadlines and outcome tracking for UPI disputes and card chargebacks.
Where AI helps
AI use cases with a clear return
Anomaly detection on transactions
Models spot unusual merchant, device or velocity patterns and raise cases with the evidence attached for an analyst.
Analysts review fewer, better alerts and catch new fraud patterns earlier.
Automated reconciliation
An agent explains reconciliation breaks by reading settlement files and bank statements, then proposes the matching entry for approval.
Daily close finishes earlier and fewer breaks age past the month end.
Underwriting support
Summarises bank statement, bureau and AA data into a credit view with reasons, leaving the decision to the lender's policy and credit team.
Faster decisions that remain explainable to the partner and the borrower.
Support and dispute agent
Answers payment status, refund and KYC questions from live data and files disputes with the right details.
Customers get accurate answers quickly, and the support team handles fewer status checks.
What your team would see
- TPV (MTD)
- ₹412 Cr
- Payment success rate
- 94.8%
- Unreconciled items
- 0.07%
- Fraud loss (bps)
- 1.9
Daily transactions, lakh
Volume by method, %
- UPI71
- Cards14
- Net banking8
- Wallets4
- EMI and BNPL3
A sample of the kind of dashboard we build for this sector. Figures are illustrative.
Connects with
- Sponsor bank APIs
- NPCI UPI, NACH and BBPS
- Account Aggregators
- Credit bureaus
- eKYC and video KYC providers
- Card networks and processors
- Razorpay, Cashfree and other gateways
Rules we design for
- RBI Master Directions on Regulation of Payment Aggregators
- RBI Digital Lending Directions
- RBI directions on storage of payment system data
- NPCI UPI operating guidelines
- PCI DSS
- DPDP Act 2023
Typical stack
Read more
Work and writing for this sector
Before you start
Fintech: common questions
Can you build a ledger that our auditors will trust?
Yes. We use double entry with immutable postings, idempotency keys and full history, and we write reconciliation tests before features. Auditors can trace any balance to its entries.
Do you handle PCI DSS scope?
We design to keep card data out of your systems where possible by using tokenisation from a compliant processor. Where scope is unavoidable, we build to the controls and support your QSA assessment.
How quickly can we launch with a partner bank?
A focused first product is usually 6 to 8 weeks of build, but partner bank onboarding and audits often set the real date. We plan both tracks together.
Talk to us
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