10decodersEngineering Fintech Platforms with Speed, Scale& Compliance
Building an integrated cloud-native fintech environment that automates onboarding, scales transactions 3x, and achieves regulatory readiness — without compromising compliance or security.
A fintech portfolio built for frictionless growth — without sacrificing compliance
Our client is one of the fastest-growing fintech companies in India, offering digital lending and online payment solutions throughout Southeast Asia, India, and the USA. With a fast-evolving portfolio spanning core banking infrastructure, lending, and payments, the company needed to deliver frictionless financial experiences while maintaining regulatory trust across multiple jurisdictions.
The company sought a partner with deep expertise in building end-to-end digital financial platforms — capable of optimizing market operations, improving customer experience, and driving growth without compromising compliance or security. 10decoders collaborated with the client to build and launch a secure, scalable, cloud-native fintech platform.
The result: 40% uplift in onboarding conversion, 3x transaction volume with zero downtime, 70% faster go-to-market, and 50% reduction in operational costs — all while achieving full RBI, SEBI, and global compliance readiness.
The stack behind the platform
Integrated Digital Core
Core banking, payment gateways, and lending unified in a single digital environment — enabling uninterrupted data flow and seamless customer service across all financial products.
AI-Powered KYC & AML
AI-driven verification workflows automating onboarding and AML checks — reducing friction, eliminating manual review, and driving a 40% uplift in conversion.
Cloud-Native Microservices
Containerized, microservices-based architecture enabling autoscaling, resilient transaction processing, and 3x volume growth with zero downtime.
Continuous Security & Delivery
DevSecOps pipeline with continuous security enforcement and automated release capabilities — faster delivery without sacrificing security or stability.
Compliance-by-Design Framework
Regulatory-compliant architecture aligned with RBI, SEBI, and global financial standards — eliminating manual compliance processes and audit exposure.
Real-Time Dashboards
Operational and financial visibility dashboards giving leadership and compliance teams live insight into platform performance and regulatory posture.
The Problem, and How We Solved It
A fragmented fintech stack that couldn't scale, onboard efficiently, or meet modern compliance demands.
The Challenge
- Fragmented onboarding with manual KYC/AML — data silos, long processing times, and high user drop-offs
- Legacy infrastructure unable to scale with transaction growth — performance risk and potential downtime at peak
- RBI and SEBI compliance requirements demanded a compliance-by-design model — manual processes created audit risk
Our Approach
- Built AI-powered KYC/AML workflows — 40% uplift in onboarding conversion, zero manual friction
- Migrated to cloud-native, containerized microservices — scaled 3x transaction volume with zero downtime
- Designed compliance-by-design architecture aligned with RBI, SEBI, and global standards from day one
The Solution
10decoders collaborated with the client to design and deliver a secure, scalable, cloud-native fintech platform — integrating core banking, lending, and payments into a unified digital environment. AI-powered workflows automated onboarding and compliance; cloud-native infrastructure unlocked the scale the business demanded.
Reusable fintech modules accelerated go-to-market by 70%, while automation cut operational costs by 50% — all without compromising the regulatory compliance posture required to operate across India, SEA, and the USA.
Integrated Digital Core for Banking, Lending & Payments
Core banking, payment gateways, and lending connected in a unified digital environment — uninterrupted data flow and better customer service.
AI-Driven KYC & AML Automation
AI-powered verification workflows delivering frictionless onboarding — 40% higher conversion, reduced drop-offs, full compliance.
Cloud-Native DevSecOps Architecture
Containerized microservices with autoscaling, continuous security enforcement, and accelerated release pipelines.
Compliance-Ready Architecture & Real-Time Insights
RBI/SEBI-aligned platform with real-time operational and financial dashboards for leadership and compliance visibility.
One platform. Every financial product connected.
A unified cloud-native core replaced the fragmented legacy stack — connecting every product, automating every workflow, and making compliance a built-in property.
Fragmented Fintech Stack
Disconnected systems, manual KYC, siloed data — unable to scale, slow to onboard, and exposed to compliance risk.
10decoders Cloud-Native Build
AI-powered onboarding, integrated digital core, DevSecOps infrastructure, and compliance-by-design — all built and delivered end-to-end.
Integrated Fintech Platform
A scalable, compliant, cloud-native platform — 3x transaction scale, 40% better onboarding, 70% faster go-to-market.
Built for speed, scale, and regulatory trust
Every design decision was made to maximize growth velocity while making compliance a structural property — not an afterthought.
40% Higher KYC Conversion
AI-powered KYC/AML workflows removed friction from onboarding — driving 40% uplift in conversion with reduced drop-offs.
3x Transactions, Zero Downtime
Cloud-native microservices with autoscaling handled 3x transaction volume growth with zero downtime during migration or peak.
70% Faster Go-to-Market
Reusable fintech building blocks cut feature delivery timelines by 70% — enabling faster product launches and market entry.
50% OPEX Reduction
Automation across onboarding, compliance, and operations cut operational expenditure by 50% while improving overall efficiency.
RBI/SEBI Compliance by Design
Regulatory-compliant architecture built in from day one — eliminating audit exposure and manual compliance overhead.
Security at Every Release
Continuous security enforcement integrated into the DevSecOps pipeline — fast releases without compromising security posture.
What We Built
Integrated Digital Core
Core banking, payment gateways, and lending unified — seamless data flow and customer service across all financial products.
AI-Driven KYC & AML Platform
Automated onboarding and verification driving 40% higher conversion — frictionless, compliant, and fully automated.
Cloud-Native DevSecOps Platform
Containerized microservices with autoscaling, continuous security, and CI/CD pipelines for accelerated, safe releases.
Compliance & Visibility Framework
RBI/SEBI-aligned architecture with real-time dashboards giving leadership live operational and financial insight.
What Changed
Customer Onboarding
Fragmented manual KYC/AML with high drop-offs → AI-powered automated workflows — 40% conversion uplift, near-zero friction.
Transaction Scale
Infrastructure bottlenecks and downtime risk → Cloud-native microservices handling 3x transaction volume with zero downtime.
Go-to-Market Speed
Slow, bespoke feature development → Reusable fintech building blocks — 70% faster product launches and market entry.
Operating Costs
Manual operations overhead → Automation-driven efficiency across onboarding, compliance, and operations — 50% OPEX reduction.
Compliance Posture
Reactive, manual compliance with audit risk → Compliance-by-design architecture aligned with RBI, SEBI, and global standards.
Data Architecture
Fragmented data silos across banking, lending, and payments → Unified digital core with seamless, uninterrupted data flow.
Impact Across the Organization
40% Higher Onboarding, 50% Lower OPEX
AI-powered KYC drove 40% conversion uplift while automation reduced operational costs by 50% — faster growth with less overhead.
3x Scale, Zero Downtime
Cloud-native microservices scaled transaction volume 3x with no downtime — reliable infrastructure built for continuous business growth.
70% Faster GTM & Full Compliance
Reusable fintech modules cut go-to-market by 70%, and compliance-by-design architecture eliminated audit exposure across all jurisdictions.
