Finance & Banking Solutions

We implement all 12 PCI DSS requirements: secure network (firewall, encryption), protect cardholder data (tokenization, AES-256), vulnerability management (antivirus, patching), access control (MFA, least privilege), monitoring (logging, IDS), and security policies. We use PCI-compliant hosting, never store full card numbers, and conduct quarterly vulnerability scans and annual penetration testing.

Yes. We have worked with Sellon Finserv and ACL (Ahmednagar Merchant Cooperative Bank), delivering digital banking systems, loan management platforms, and fintech solutions with a strong focus on security and regulatory compliance.

Yes, we have extensive experience integrating with major core banking systems including Finacle (Infosys), Temenos T24, Oracle FLEXCUBE, Fiserv, and BankWare. We use ISO 8583, ISO 20022, and REST APIs for real-time integration. We've also worked with custom/legacy systems building middleware for seamless communication.

With full automation: Personal loans in 5-15 minutes, Business loans in 2-4 hours (document-light), Home/Vehicle loans in 4-24 hours depending on verification. Automation includes instant KYC via Aadhaar, bank statement analysis using AI, bureau check integration, automated credit scoring, and digital approval workflows. Manual verification time reduced by 90%.

Multi-layered security: AES-256 encryption, TLS 1.3, tokenization for cards, multi-factor authentication (OTP, biometric), device fingerprinting, IP whitelisting, velocity checks, transaction limits, real-time fraud detection using ML (detecting unusual patterns), PCI DSS compliance, intrusion detection systems, and complete audit logs. Zero-trust architecture with least-privilege access.

Automated KYC using: (1) Aadhaar eKYC via UIDAI for instant verification, (2) PAN validation via NSDL, (3) Face matching and liveness detection preventing photo fraud, (4) OCR for document extraction, (5) Video KYC for remote onboarding, (6) CKYC registry integration, (7) DigiLocker for verified documents. Periodic KYC refresh and AML screening against watchlists.

Yes, 100% digital journey: Apply online → Upload documents via portal/app → Aadhaar-based KYC → Instant bank statement upload/analysis → Automated credit scoring → Digital approval → E-sign loan agreement → Instant disbursement to bank account. Entire process in 15 minutes to 2 hours. Branch visit only if customer prefers or for large-ticket loans.

Automated commission engine: Define rules (percentage, flat, tiered, milestone-based), automatic calculation on disbursement, hold period for clawback, approval workflows for verification, TDS deduction, instant NEFT/RTGS payouts, partner portal showing earnings/pending, and automated TDS certificate generation. Partners see real-time earnings increasing trust.

Comprehensive dashboards: Loan portfolio analysis (outstanding, repayment rate, NPA), disbursement trends, collection efficiency, profitability (interest income, costs), channel/partner performance, credit risk metrics, fraud detection alerts, regulatory reports (CTR, STR), cash flow forecasting, and customer segmentation. Real-time data with drill-down capabilities.

Small NBFC loan management: 12-16 weeks. Bank digital lending platform: 20-26 weeks. Complete fintech app (customer + admin): 16-20 weeks. Timeline includes requirement gathering, compliance review, core banking integration, development, security audits, RBI compliance certification, testing, staff training, and phased rollout.

Basic loan management system: $60,000-$120,000. Digital lending platform with mobile app: $120,000-$250,000. Complete banking app: $200,000-$500,000. Payment gateway integration: $30,000-$80,000. Fintech startup MVP: $80,000-$150,000. Monthly maintenance: $3,000-$15,000 depending on complexity. PCI DSS compliance audit adds $10,000-$25,000 annually.