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Free: 60-minute call and Blueprint.
A working session on your business, then a clear plan of what we would build and in what order, written down for you to keep. No cost, no obligation.
Regulated
Financial Services & NBFC Back-Office
For a lender, bank or broking back-office, the win is not a new core system but a nightly reconciliation that ties, a regulatory return assembled from numbers that agree, and one live view of the book, every regulated number read-only and signed by a registered person.
The art of the possible
A financial firm does not need a rip-and-replace of its core system its compliance head will never sign off on. It needs the nightly reconciliation made dependable, the regulatory return assembled from numbers that tie, the document grind read once instead of three times, the AML and exception queue triaged so analysts work the real ones first, and one live, trustworthy view of the book and the cash, all of it read-only where it touches a regulated number, with a named person signing everything that the regulator holds them responsible for. Reliable systems do the arithmetic and the plumbing; AI reads the messy documents and flags the outliers; a registered person signs every decision, every filing and every posting.
The operating reality
NBFCs, co-operative and small-finance banks, microfinance institutions and broking back-offices where the owner is trying to keep the nightly reconciliation tying, the regulatory return calendar met, the document grind moving and the book visible, while every regulated decision stays read-only or signed by a registered person.
By segment
Where the work is, segment by segment.
The same industry runs differently across its segments. Here is the operating reality of each, and the builds we would rank first, with why.
NBFCs & lending companies
Lend their own or borrowed capital (vehicle, SME, consumer, gold, housing, MSME); the spine is the loan ledger, asset classification and ageing, bank-to-ledger reconciliation, underwriting-document intake, collections and the RBI/CIMS return.
- 01Bank-to-ledger and settlement reconciliation
The nightly grind; read-only, touches no regulated decision, so the safe first win that makes the ageing book tie.
See what we build - 02Underwriting and onboarding document reading
Skilled credit hours are burned keying bank statements and financials; first-pass reading frees them, the officer still decides.
See what we build - 03Regulatory returns and the compliance calendar
RBI/CIMS returns and per-day-penalty deadlines ride on one careful person and a spreadsheet.
See what we build - 04One live view of the book and the cash
Disbursements, collections, ageing, asset classification and slippage are a hand-built report already weeks old.
See what we build - 05Collections and servicing follow-up
Early-bucket follow-up runs on memory; in-permitted-hours reminders move field effort to the accounts that need a person.
See what we build - 06Clean onboarding and application drop-off
The most expensive lost customer is the one who wanted to borrow and gave up halfway through the paperwork.
See what we build - 07WhatsApp concierge for the applicant and client front desk
"What do I need to apply", document collection and status questions land on WhatsApp and are handled slowly or dropped.
See what we build
Co-operative & small-finance banks
Take deposits and lend, on a CBS, across branches; the spine is CBS-to-statement reconciliation, the regulatory return calendar, KYC and re-KYC, branch-level book visibility, and a heavy, deadline-driven compliance load.
- 01Bank-to-ledger and settlement reconciliation
Multi-branch deposit and loan books against bank and clearing files; the core nightly and month-end tie-up.
See what we build - 02Regulatory returns and the compliance calendar
The heaviest return-and-deadline load of any segment; CIMS returns, statutory filings and audit evidence on a calendar.
See what we build - 03KYC and document register
Re-KYC due dates and document gaps across thousands of accounts ride on one register; a miss is exposure.
See what we build - 04One live view of the book and the cash
Branch-level deposits, advances, NPA and collection efficiency pulled into one current view instead of stale reports.
See what we build - 05Underwriting and onboarding document reading
Identity, address and income documents are read and pre-checked; the officer clears the KYC status.
See what we build - 06Collections and servicing follow-up
Balance, statement, due-date and renewal reminders off the ledger, within permitted hours.
See what we build - 07A website that earns trust
A careful depositor and borrower checks the bank online; licences, products and people shown plainly win the visit.
See what we build
Microfinance institutions (MFIs)
High-volume small-ticket group/JLG lending in the field; the spine is field officer productivity, attendance and people admin, centre-meeting collections, document capture at the doorstep, and portfolio-quality early warning across thousands of small accounts.
- 01Field-officer and centre-collection app
The real operation is in the field at centre meetings; today it lives in registers and WhatsApp, invisible to the office until day-end.
See what we build - 02AML triage and exception / anomaly alerts
A slipping centre or branch across thousands of small accounts is found at month-end, when it is already expensive.
See what we build - 03KYC, re-KYC and field HR / people admin
A large, distributed, high-attrition field workforce; attendance, onboarding and helpdesk admin swamp a small HR team.
See what we build - 04Collections and servicing follow-up
High-volume small-ticket repayment reminders within permitted hours; people effort moved to the accounts that need a visit.
See what we build - 05Underwriting and onboarding document reading
KYC and loan documents photographed in the field are re-keyed slowly at the branch or lost.
See what we build - 06One live view of the book and the cash
Disbursement, collection efficiency, PAR and officer productivity in one current view, not a hand-built sheet.
See what we build - 07Regulatory returns and the compliance calendar
MFI-specific reporting and statutory deadlines on a register with owners and escalations.
See what we build
Broking, wealth & fintech back-office
Move client trades, margin and money against exchange and depository files; the spine is daily settlement, margin and client-ledger reconciliation, client onboarding, RM follow-up, and exception/anomaly watch on funds and positions.
- 01Bank-to-ledger and settlement reconciliation
Daily tie-up of exchange, depository and bank files to the client ledger under deadline; the segment's entire evening.
See what we build - 02AML triage and exception / anomaly alerts
A margin shortfall, a fund mismatch or an unusual position needs same-day warning, not a month-end discovery.
See what we build - 03One live view of the book and the cash
Settlement obligations, margin shortfalls and client funding pulled into one screen instead of evening firefighting.
See what we build - 04Clean onboarding and application drop-off
The account-opening journey loses clients mid-form; standardised intake with document pre-check and clean handoff.
See what we build - 05Collections and servicing follow-up
Enquiries and review reminders sit in an RM's WhatsApp; owners, deadlines and timed follow-up on the firm's own data.
See what we build - 06Underwriting and onboarding document reading
PAN, KYC packs and broker agreements read into structured fields; the officer reviews and owns the account.
See what we build - 07WhatsApp concierge for the applicant and client front desk
Statement, holdings, margin-status and "how do I open an account" traffic answered off the firm's own data.
See what we build
The whole picture
Front office, back office, and the data that ties them together.
Front office
How the business is found, sells, and is reached.
Back office
How the work actually gets done, day to day.
Talk to your data
One trusted picture you can read and ask questions of.
How an engagement works
From a free call to a system you own.
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Deep-dive and build.
Go deeper on one area, or have us build the software, app or data layer. Fixed price. A focused build ships in weeks.
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Run and govern: per need.
We keep it running and watch over it, as much or as little as you want.
Related industries
Sectors with a similar operating spine.
Find the one build worth funding first.
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