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Industry

Banking

Banks and NBFCs are modernising lending, payments and customer channels while facing industrialised fraud and detailed supervisory expectations. We help financial institutions build digital capability that is secure, explainable and auditable from the start.

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Challenges

What banking teams are solving

Industry challenges

  • Cost and turnaround of manual underwriting, especially for small-ticket and MSME lending
  • Thin-file and new-to-credit borrowers who are difficult to assess with bureau data alone
  • Competition from digital-first lenders and fintech partnerships
  • Legacy core systems constraining change

Security challenges

  • Account takeover, social engineering and mule networks
  • Document tampering and synthetic identity fraud at origination
  • Expanding API and third-party attack surface
  • Regulatory requirements for cybersecurity, incident reporting and data localisation

Technology challenges

  • Integrating consented data sources such as Account Aggregator, GST and bureaus
  • Explainability and governance of AI-driven decisions
  • Real-time decisioning at production scale
  • Immutable audit trails for regulatory review

Capabilities

How we help

  • 01

    Credit decisioning

    Policy rules, explainable models and human review workflows.

  • 02

    Origination fraud defence

    Document forensics, identity checks and network analysis.

  • 03

    Banking security

    Channel, API, payment and core-integration security.

  • 04

    Regulatory technology

    KYC, AML and compliance controls engineered into systems.

Services

Banking services

AI Loan Underwriting

Explainable, policy-governed credit decisioning that combines bureau, banking and alternative data with human review.

Loan Fraud Detection

Detect document tampering, synthetic identities, application velocity abuse and first-party fraud at origination.

Credit Risk

Credit risk models, early-warning systems and portfolio analytics built with rigorous validation and governance.

KYC

Secure, compliant digital customer onboarding with identity verification, liveness and periodic re-KYC.

AML

Anti-money-laundering transaction monitoring, alert triage and investigation tooling that reduces false positives.

Banking Security

Security programmes for banks and NBFCs covering digital channels, core systems, payments and regulatory obligations.

Fintech Security

Pragmatic security programmes for fintechs, digital lenders and payment companies preparing to scale and partner with banks.

Use cases

Where we typically start

  • MSME working-capital underwriting

    Cash-flow-based assessment using consented bank and GST data.

  • Personal loan straight-through processing

    Automated decisions within approved confidence bands.

  • Bank statement tamper detection

    Forensic checks on uploaded statements before credit assessment.

  • AML alert prioritisation

    Explainable scoring that focuses investigators on higher-risk alerts.

Reference architecture
  1. Digital channels & partner APIs
  2. Identity, consent & KYC
  3. Fraud & verification layer
  4. Credit decision engine
  5. Human review workbench
  6. Audit ledger & reporting

Solutions

Relevant solutions

AI Underwriting Platform

An explainable credit and fraud decisioning platform for banks and NBFCs, with human review and a complete audit trail.

Fraud Detection Platform

Layered fraud detection for lending origination and insurance claims, combining rules, models, document forensics and network analysis.

PQC Readiness

A structured programme to inventory quantum-vulnerable cryptography and plan migration to NIST post-quantum standards.

Case studies

How engagements are delivered

FAQ

Frequently asked questions

Do you work with NBFCs and smaller lenders?

Yes. Mid-sized lenders often benefit most from decisioning and fraud capability because they lack large in-house data science teams.

How do you handle regulatory requirements for AI in lending?

We design for explainability, human oversight, fairness testing and complete audit trails, and document models to support model risk management and supervisory review.

Talk to our banking team

Let’s discuss it. Tell us what you are working on and an engineer — not a sales script — will respond.

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