Engineering Fintech Platforms with Speed, Scale & Compliance

Building an integrated cloud-native fintech environment that will automate onboarding, scale transactions and achieve regulatory readiness.

40%

Uplift in onboarding conversion rate using AI-powered KYC

3x

Transaction volume scaled after transitioning to cloud with no downtime

70%

Go-to-market acceleration with reusable fintech blocks

Client overview

Our client is one of the fastest growing fintech companies in India, offering digital lending as well as online payment solutions throughout Southeast Asia, India and USA. With a fast-evolving fintech portfolio that includes core banking infrastructure, lending and payments, the company wanted to provide frictionless financial experiences while maintaining regulatory trust. The company was seeking a top Fintech software development company with strong expertise in building end-to-end digital financial platforms that could help optimize market operations and improve customer experience to promote growth, without compromising compliance and security.

Challenges

Fragmented onboarding and data silos

Customer onboarding was based on fragmented systems and manual KYC/AML checks which resulted in data duplication, longer processing times, and high user drop-offs.

Limited scalability of legacy infrastructure

The existing infrastructure was not equipped to scale with transaction growth, posing performance and potential downtime issues during peak usage.

Regulatory and compliance pressure

Compliance with the new levels of regulations imposed by RBI and SEBI necessitated a compliance-by-design model, which was only possible if manual processing that led to audit exposure and operational risk were eliminated.

Solution

10decoders collaborated with the client to develop and launch a secure, scalable fintech platform.

Integrated digital core for banking, lending & payments

Integrating core banking, payment gateways and lending with other business applications in a digital environment, which allows uninterrupted flow of data and better customer service.

AI-driven KYC & AML automation

Facilitate friction-less onboarding via AI-empowered verification workflows, that minimize resistance and drive up conversion ensuring compliance.

Cloud-native, DevSecOps architecture

Developed a containerized, microservices-based DevSecOps platform to accommodate autoscaling, continuous security enforcement and accelerated releases.

Compliance-ready architecture & insights

Developed a regulatory-compliant platform in sync with RBI, SEBI and global standards including real-time dashboards for operational and financial visibility.

Business impact

Improved onboarding and customer experience

KYC flows backed by AI saw 40% uplift in on-boarding rates, while leading to a reduced drop-off rate and increased user satisfaction.

Scalable and resilient transaction processing

Cloud migration helped scale the platform 3x in transaction volume with no downtime, ensuring fast business expansion.

Quicker lead-times and reduced OPEX

Reusable fintech modules enabled go-to-market to speed up by 70%, and automation reduced operational costs by 50% and improved overall efficiency.

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