10decodersAnalysts are the integration layer
Onboarding checks, credit reviews and alert triage move between systems because a person carries them. Volume grows, headcount doesn't, and turnaround times slip.
Financial Services · BFSI
Your compliance workload keeps growing. Your engineering team doesn't.
Every new corridor, product and regulator adds work that has to be built, evidenced and operated — onboarding checks, screening rules, decisioning logic, reconciliation, audit trails. 10decoders builds those regulated workflows and keeps running them, for mid-market banks, lenders, payment providers and wealth platforms.
ISO 27001 · ISO 9001 · Delivery pods across US, India, Singapore
2015
Building regulated systems since
200+
Engineers in stable delivery pods
7+ yrs
Average client relationship
ISO
27001 information security · 9001 quality
Trusted by leading enterprises and healthcare teams
What we hear on the first call
The blockers are rarely the interesting part of the roadmap.
They're the part that decides whether anything else on it ships this year.
Screening produces noise, not decisions
Rules tuned once and never revisited flood the queue. Analysts clear alerts instead of investigating them, and genuine risk gets the same four minutes as a name collision.
Core logic lives where nobody can change it
Oracle Forms, PowerBuilder, mainframe batch and a data warehouse the reporting team is afraid of. Every product change becomes a negotiation with a system built for a different decade.
Every partner is a bespoke project
A new PSP, bureau, card processor or bank rail takes a quarter because there's no connector layer — just point-to-point code written by whoever was free.
The pilot never survives compliance review
A model that works in a notebook can't explain a decision, log an override or pass an audit. So it stays a demo, and the manual process it was meant to replace stays too.
Proving the control is its own project
The workflow works. Producing the trail an auditor or regulator will accept — who decided, on what data, under which rule version — takes weeks of reconstruction.
Coverage
Six places we go deep in the BFSI stack.
Not a capability list. These are workflows we have built, deployed and kept running in production environments with real regulatory exposure.
KYX
Identity verification without the drop-off
- Customer and merchant onboarding journeys
- Digital ID verification and document capture
- KYC / KYB / UBO checks
- Re-KYC and periodic refresh cycles
Monitoring
Financial crime detection that analysts trust
- Transaction monitoring and rule engines
- Sanctions screening against global lists
- PEP and adverse media screening
- Watchlist management and list refresh
Lending
Origination through to servicing
- Loan origination and application journeys
- Credit decisioning and risk scoring
- Disbursement and fulfilment
- Servicing, collections and forgiveness
Neo-banking APIs
Cloud-native banking services
- Digital onboarding and account opening
- Mobile wallet and e-account journeys
- Deposits, savings and statements
- Card issuance and lifecycle APIs
Payments & cards
Movement of money, and the reconciliation after
- Merchant onboarding and gateway integration
- Prepaid, corporate and virtual card programmes
- Cross-border remittance and FX
- Payment reporting, reconciliation and open banking
Risk & controls
Recognise, assess and evidence
- Fraud detection and prevention models
- AML programme tooling and case management
- Regulatory reporting and compliance management
- Audit trails and explainability by default
Proof
Deployed, measured, still running.
Seven engagements across lending, payments, cards, compliance and wealth. Client names withheld under NDA — available on a call under mutual disclosure.
Digital lending platform for small businesses
An AI-driven decisioning engine handling risk scoring, credit checks and eligibility, with Salesforce migrated in to carry the workflow. Approvals and compliance checks automated end to end.
$9BSBA loans processed
230,000Platform users
60%To minority, women or veteran-owned businesses
Merchant payment gateway for SMEs
A secure, scalable payment platform that automates merchant registration, keeps profile data consistent across systems, and gives teams granular permissions over transaction visibility.
479Merchants onboarded
14k RMProcessed in a day
PCI DSSCompliant platform
Corporate card and expense platform
Real-time card issuance, automated spend rules for expense categorisation, AI fraud detection, and ERP integration so reconciliation stops being a month-end event.
50K+Cards issued across enterprises
40%Less manual processing
40%Of expenses predicted by AI
Credit limit review, automated
Credit limit increase requests were handled by hand across several systems. We built an AI-assisted RPA workflow that validates the customer, pulls the bureau score, checks repayment eligibility and auto-approves the clear cases — with every step logged.
70%Less manual effort
60%Faster approval response
90%Eligibility validation accuracy
AML screening and ongoing monitoring
Real-time screening against sanctions, PEP and adverse media lists at onboarding, then continuous monitoring after. Verification flows built per jurisdiction, and a rule system analysts can actually tune — so false positives come down instead of accumulating.
Real timeScreening at onboarding
Per-jurisdictionVerification flows
Full profileRisk managed end to end
AI recommendations for relationship managers
A global asset manager's client insight sat in disconnected custodial and CRM systems. We built the ingestion and portfolio analysis engine underneath it, then personalised recommendation models on top — with explainable AI so compliance could sign off.
35%Increase in expanded sales
650%Faster time to insight
150%Increase in data-driven growth
Real-time e-receipts for a currency exchange network
Paper receipts meant no digital record and a fragmented customer experience. We integrated with the core exchange system to generate a receipt per transaction, delivered by in-app push for app users and a secure deep link by email for everyone else — cutting paper handling and pulling more customers into the mobile app.
InstantReceipt at transaction time
Two channelsIn-app push and secure email link
Zero paperManual handling removed
What it runs on
Products and accelerators, not a blank canvas.
We bring working software to the first sprint. Model-agnostic by design — no hyperscaler subsidy steering the architecture, and nothing that locks your workflow to a single vendor's roadmap.
CheiAI
Model-agnostic AI orchestration with a Rapid Agent Builder framework. Agents for decisioning, alert triage and case handling — built with the evaluation harness, access control and audit trail in place from the first sprint, not retrofitted for the compliance review.
- Agent design and build on production infrastructure
- Retrieval and data foundation with role-based access
- Evaluation harness and audit trail from day one
Deploys in your cloud, your VPC, or fully isolated
AML & sanctions screening
Screening and ongoing monitoring against sanctions, PEP and adverse media lists, with a rule system built for the people who work the queue. Jurisdiction-specific verification flows, so a single programme can cover several regulators.
- Real-time screening at onboarding and payment
- Continuous monitoring with risk-signal management
- Connectors to PEP, sanctions and watchlist sources
Case management and evidence trail included
DocuFindr
Document intelligence for the paperwork financial services runs on — statements, KYB files, loan packets, invoices and contracts. Fields, tables and clauses come out as structured data, with confidence scoring and an exception queue so nothing auto-approves silently.
- Extraction from complex, multi-page documents
- Compare, reconcile and validate across a whole file
- Human review built into the flow, not bolted on
Confidence scoring and exception queues by default
Modernization and integration
Migration accelerators for PowerBuilder, Oracle Forms, MS Access and mainframe applications, plus vortexFlow — our integration accelerator with pre-built connectors — so a new bureau, PSP or card processor is a configuration, not a quarter.
- Screen-by-screen redesign with business logic preserved
- Data warehouse modernization without breaking the numbers
- Connector layer for partners, rails and core systems
Agent-accelerated inventory, mapping and test generation
Consulting & technology services
The disciplines behind the delivery.
IT strategy & consulting
Fit-gap assessment of current systems against industry standard models, run as a workshop with your stakeholders in the room.
TOGAF · ARC · AIM42 · ISO
Cloud & infrastructure
Hybrid cloud and cloud-native environments, with security and data residency treated as design inputs rather than late constraints.
AWS · Azure · Google Cloud · CNCF
Data & analytics
Data platforms that let innovation and the existing warehouse coexist, so reporting keeps working while the new stack proves itself.
Spark · Databricks · Glue · Redshift
Generative AI
A consistent data, cloud and analytics strategy under the models — the part that decides whether a pilot reaches production.
Model-agnostic · NLP frameworks
Enterprise integration
Connector-led integration across internal systems and external partners, replacing point-to-point code with something maintainable.
WSO2 · Apache Camel · vortexFlow
Compliance & controls
Built to be audited, not just to work.
- ISO 27001 and ISO 9001 certifiedInformation security and quality management assessed against the standard, not asserted in a deck.
- Data stays where your regulator expects itDeployment into your cloud account, your VPC or a fully isolated environment. Model choice follows the data policy, not the other way round.
- Explainable decisions by defaultEvery automated decision carries the inputs, the rule version and the reviewer. Producing the audit trail is part of the build, not a later project.
- Human in the loop where the risk isApproval gates sit at the points that carry regulatory or financial exposure — and nowhere else, so automation still earns its keep.
- Delivery discipline you can point atRACI on every account, Definition of Ready and Definition of Done agreed up front, stable pods rather than a rotating bench.
How we engage
Start where you actually are.
No 50-page proposals. We meet your real maturity, prove value in a contained pilot, then scale what works.
01 — Discovery
Discovery workshop
We sit with your stakeholders, run a fit-gap against industry standard models, and pin down scope, data reality and regulatory constraints — so effort goes where it pays.
02 — Pilot
Pilot implementation
One workflow, contained scope, real data. We build the agents, the data foundation and the evidence trail, deploy it, then measure against numbers you set before we started.
03 — Scale
Full rollout and operate
Production pipelines, ongoing AI Ops and a trust layer. We keep operating what we built, so the workflow compounds instead of stalling after the demo.
The pilot is paid, and the fee is credited in fullagainst the programme that follows. If the numbers don't land, you have a working assessment of your data and workflow, and no obligation to continue.
Book a scoping callFAQ
Questions, answered.
Which financial services workflows does 10decoders actually build?
Six areas: customer and merchant onboarding (KYC/KYB and digital ID), financial crime monitoring (transaction monitoring, sanctions, PEP and watchlist screening), lending (origination through servicing), neo-banking APIs (digital onboarding, wallets, deposits, card issuance), payments and cards (gateway integration, prepaid and corporate cards, cross-border remittance, reconciliation), and risk and controls (fraud detection, AML programme tooling, regulatory reporting).
Do you work with banks, or only fintechs?
Both, with a mid-market focus — organisations that have production systems and real transaction volume but don't need a multi-year enterprise transformation programme. That includes licensed banks, lenders, payment providers, remittance and currency exchange businesses, card programme managers, and asset and wealth platforms.
How do you handle regulatory, risk and compliance requirements?
They're build requirements rather than a review gate at the end. AML and KYC checks, transaction security, auditability and risk monitoring are designed into the workflow, and the evidence trail is produced by the system as it runs. We hold ISO 27001 for information security and ISO 9001 for quality management. Jurisdiction-specific verification flows are built per programme, since a single AML obligation rarely covers every market you operate in.
Can this run inside our own environment?
Yes. CheiAI is model-agnostic and deploys into your cloud account, your VPC, or a fully isolated environment with no external model calls. Which models are permitted to see which data is a policy decision you make, and the architecture follows it.
We're mid-migration off a legacy core. Is that a blocker?
It's usually the reason for the call. We have migration accelerators for PowerBuilder, Oracle Forms, MS Access and mainframe applications, and we work screen by screen with the business logic preserved — so the legacy system keeps running while the replacement proves itself. Data warehouse modernization follows the same pattern: reporting moves off the old stack without the numbers changing underneath finance.
What does a first engagement look like commercially?
A discovery workshop, then a paid pilot on one contained workflow. The pilot fee is credited in full against the programme that follows. If the numbers don't justify going further, you keep the assessment and the working pilot, and there's no obligation to continue.
