Securing Financial Futures with Innovative Technology
Enterprise-grade fintech solutions for banks, NBFCs, fintech startups, and financial institutions. From digital banking platforms and loan management systems to payment processing and financial analytics, we build PCI DSS compliant, highly secure applications with military-grade encryption. Trusted for processing $5B+ in transactions.
Tailored solutions designed to address specific industry challenges.
Complete online and mobile banking solutions with account management, fund transfers, bill payments, statement downloads, and investment tracking. Secure biometric authentication, real-time transaction alerts, and 24/7 accessibility. Seamless integration with core banking systems.
End-to-end loan processing from application to disbursement. Credit scoring, document verification (Aadhaar, PAN, bank statements), approval workflows, EMI calculation, automated disbursement, and collection tracking. Reduce loan processing time from days to hours.
Custom payment gateway solutions supporting cards, UPI, net banking, wallets, and BNPL. PCI DSS Level 1 compliant with tokenization, fraud detection, instant settlements, and multi-currency support. Process thousands of transactions per second with <100ms latency.
Comprehensive CRM for financial institutions managing leads, loan applications, customer relationships, and distribution partners. Commission tracking, automated payouts, growth partner portals, and performance analytics. Scale your distribution network digitally.
Platforms for mutual funds, stocks, insurance, and portfolio management. Real-time market data, automated SIP, risk profiling, goal-based planning, and consolidated portfolio view. KYC integration, payment gateway, and regulatory compliance built-in.
Business intelligence dashboards for financial institutions tracking loan portfolios, collection efficiency, NPA monitoring, profitability analysis, and regulatory reporting. Predictive analytics for credit risk assessment and fraud detection.
We bring deep industry expertise and technical excellence to every project.
Military-grade encryption, multi-factor authentication, and PCI DSS compliance ensuring complete financial data protection.
Full compliance with RBI guidelines, KYC/AML regulations, PCI DSS, and data localization norms.
Sub-100ms transaction processing with ability to handle 10,000+ concurrent transactions.
Seamless integration with major core banking systems (Finacle, Temenos, FlexCube) via secure APIs.
Real-time fraud detection using AI/ML, behavioral analysis, and rule-based engines preventing financial losses.
99.99% uptime SLA with disaster recovery, automatic failover, and redundant architecture.
Comprehensive healthcare technology components designed for enterprise-grade reliability.
AI-powered KYC using Aadhaar eKYC, PAN verification, face matching, liveness detection, and OCR for documents. Video KYC support for remote onboarding. Integration with CKYC registry and DigiLocker. Complete customer onboarding in under 5 minutes.
ML-based credit scoring analyzing bank statements, GST returns, social data, and bureau scores. Automated decision engines for instant approvals. Alternative data scoring for thin-file customers. Continuous monitoring of credit behavior post-disbursement.
Real-time EMI calculators considering interest rates, tenure, and processing fees. Compare multiple loan products. Generate professional quotations with amortization schedules. Pre-approved loan offers based on customer profile increasing conversions.
Instant loan disbursement via NEFT/RTGS/IMPS after approval. Automated EMI debit via NACH mandates. Multiple repayment options: auto-debit, UPI, payment link. Late payment reminders and grace period management.
Stage-based collection workflows from soft reminders to legal recovery. Field executive mobile app for physical collections with GPS tracking. Payment scheduling, settlement management, and NPA tracking. Reduce collection costs by 40%.
Secure portal for customers to upload documents (ID proof, income proof, bank statements, photos). Progress tracking showing application status. Document verification status and additional document requests. Reduces physical branch visits by 80%.
Automatic commission calculation for DSAs, employees, and partners based on configurable rules. Approval workflows, hold/release mechanisms, TDS deduction, and instant payouts. Generate Form 16A and 1099 for tax compliance.
Automated generation of regulatory reports for RBI, SEBI, and other authorities. AML transaction monitoring, suspicious activity reporting (SAR), and CKYC registry uploads. Audit trails for all financial transactions and user actions.
A streamlined approach to delivering excellence.
We analyze your requirements and business goals to create a strategic roadmap.
We design intuitive UI/UX and develop robust solutions using cutting-edge tech.
We ensure a smooth launch and provide ongoing support and maintenance.
See how we've helped businesses in this industry transform digitally
Everything you need to know about our services
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.
Our client’s results speak louder than words. Industry leaders trust Accucia for AI-driven transformation, intelligent automation, and scalable digital solutions that deliver real impact, and their success stories prove it.
Let's discuss how our industry-specific solutions can drive growth and efficiency for your organization.
