Finance, engineered for AI.
Mobile banking, digital lending, payments infrastructure, wealth platforms, fraud AI, and compliance automation — built for institutions who have to move at fintech speed inside regulator guardrails.
Banking has already moved.
The branch lost. The app won. Fintech is a $460B category by 2025 and every incumbent now competes on software surface area. Our wider industry coverage lives in the industries index.
Global fintech market by 2025 — with the growth concentrating around mobile, embedded finance, and AI-native advisory products.
Consumers who use a mobile banking app. 45% already prefer apps over physical branches — the app is the primary channel.
Financial companies reporting meaningful disruption from new technology. Doing nothing is the riskiest option on the board.
Pressures pushing
every financial firm forward.
Mobile, disruption, fraud, regulation, and personalization aren't independent — they're the same wave, and the software stack either surfs it or sinks under it.
Mobile-first is the entire bank
77% of consumers use mobile banking apps and 45% prefer them to physical branches. The app is now the channel, the product, and the brand.
Disruption is widespread, not niche
89% of financial companies report disruptive technology impact. Neo-banks, embedded finance, and platform players have raised the baseline for every incumbent.
Fraud and risk evolve weekly
AI-generated synthetic identities, deepfake KYC attempts, and real-time payments rails shift the fraud surface every quarter. Rule-based systems alone no longer clear the bar.
Compliance is code now
PCI-DSS, PSD2, DORA, SOX, AML — regulation lives in the data model, the audit trail, and the change-management pipeline. Paper-binder compliance is priced out.
Customers expect personalization
Contextual offers, proactive nudges, and advisor-grade insight — delivered inside the app, grounded in the customer's own data, not a demographic bucket.
Embedded finance everywhere
The shift toward integrating financial services — lending, insurance, and payments — directly into non-financial platforms and vertical SaaS ecosystems.
Software we ship
for regulated speed.
The blocks below compose a modern financial stack. Pair with our AI & ML engineering practice and enterprise engagement model for program-scale delivery.
- 01
Mobile banking apps
iOS and Android banking flagships with biometric auth, instant transfers, and embedded insights at core-banking latency.
- 02
Digital lending platforms
Origination, underwriting, servicing, and collections — unified with decisioning AI and open-banking data at the front door.
- 03
Wealth and investment tech
Advisor workstations, robo-investing, portfolio analytics, and goal-based planning tools for modern asset managers.
- 04
Payments infrastructure
Card, ACH, SEPA, real-time rails, and wallet orchestration — tokenized, PCI-compliant, and multi-processor by design.
- 05
Core-banking integration
Modern overlays on Temenos, Finacle, Mambu, and legacy mainframes — new experiences without a re-platform event.
- 06
Fraud and AML platforms
Real-time transaction monitoring, graph-based AML, and adaptive fraud models calibrated per channel and merchant.
- 07
KYC and onboarding
Biometric, document, and bureau-based verification with passive liveness and synthetic-ID defenses built in.
- 08
Insurance and bancassurance
Quote, bind, issue, and claims systems that slot into your bank's customer-360 without friction.
- 09
Capital-markets tooling
Order management, post-trade, and reconciliation platforms built for sub-second SLAs and T+0 reality.
- 10
Data platforms and BI
Customer-360, risk, and regulatory reporting stacks — governance-first, built on modern lakehouse patterns.
- 11
Open banking and APIs
Consent, aggregation, and partner-monetization layers compliant with PSD2, FDX, and the new US open-banking rule.
AI that clears
model risk review.
Fraud, credit, and advisor AI fail when they can't be explained. Our work ships with SHAP-grade explainability, bias monitoring, and challenger models — ready for MRM, audit, and exam. Prototype the first one via a rapid POC.
Fraud detection AI
Graph and sequence models that beat rule engines on precision, recall, and explain-ability — audit-ready by design.
Credit decisioning
Alternative-data underwriting, explainable scoring, and bias monitoring to expand approval without widening loss.
Personalized finance agents
LLM copilots constrained to the customer's own transactions and goals — advice that's grounded, compliant, and useful.
AML and KYC automation
Adaptive transaction monitoring, risk-rated sanction screening, and ongoing-due-diligence bots that clear SAR queues.
Wealth and research copilots
Advisor tools that summarize portfolios, draft reviews, and surface rebalancing actions — compliance-logged end-to-end.
Operational and contact-center AI
Agent assist, call analytics, and back-office document AI that cut handle time without cutting the audit trail.
Clients we've
shipped alongside.
A sample of relevant engagements. More across the case studies library.
Kotak Mahindra Bank
Digital banking experience work for one of India's leading private-sector banks.
BCG
Enterprise engagement with a global strategy consultancy — advisory-grade delivery and stack.
Abbott
Enterprise systems and regulated-industry experience that transfers directly into financial services contexts.
Partner who's shipped
inside regulation.
Our finance work draws on engagements with BCG, Kotak Mahindra Bank, and other global brands. Every pattern we apply has already cleared audit, MRM, or SOC 2 somewhere. See our delivery methodology for how engagements run.
Shipped with global enterprises
Our finance and adjacent work includes BCG, Kotak Mahindra Bank, Abbott, AstraZeneca, and Tata — patterns we've already proven at scale.
Regulation-native engineering
PCI-DSS, PSD2, SOX, AML, DORA — our data models, pipelines, and audit surfaces are built for examinations, not retrofitted for them.
Security posture to match
Tokenization, HSM integration, zero-trust network fabrics, and secret-rotation automation as a default — not an upgrade tier.
Core-system literacy
We've integrated with Temenos, Finacle, FIS, Fiserv, Mambu, and a long tail of legacy mainframes. Less risk, fewer surprises at go-live.
AI that passes model risk review
Every AI feature ships with explainability, bias monitoring, and challenger-model lineage — because the MRM team is the real gate.
Speed inside the guardrails
A regulated build does not have to be a slow build. A working prototype in weeks, a production pilot in a quarter, release cadence that survives audit.
Answers for
CIOs, CROs, and fintech founders.
01Can you work inside our existing core-banking stack?
02How do you handle PCI-DSS and PSD2 compliance?
03Is AI explainability real in your fraud and credit models?
04Do you build for real-time payments rails (UPI, FedNow, SEPA Instant)?
05Can you ship a fintech MVP in a regulated sandbox quickly?
06Who owns the AI models and data pipelines you build?
Let's ship your AI-native finance stack.
One discovery call, a compliance-aware scoping pass, and a working prototype on your sandbox data in weeks. Production pilot in a quarter, with audit-ready delivery from day one.