✦ IIoT & Fintech Solutions

Digital Banking Solutions

We build next-generation digital banking platforms — neobank applications, banking-as-a-service layers, account aggregator integrations, and open banking infrastructure — helping NBFCs, co-operative banks, and fintech startups deliver modern banking experiences on RBI-compliant foundations.

15+Banking Platforms Launched
2M+Digital Bank Users
100%RBI AA Framework Ready
₹1000Cr+Accounts Managed
Our Services

What We Deliver

Comprehensive solutions designed around your business goals — built by specialists who've deployed these systems at scale.

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Neobank Platform

Full-featured neobank app — virtual accounts, UPI, debit cards, savings goals, spend analytics, and customer onboarding with video KYC.

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Banking-as-a-Service (BaaS)

API-first banking infrastructure enabling non-banking apps to embed accounts, payments, and cards via licensed bank partnerships.

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Account Aggregator Integration

RBI Account Aggregator framework integration for consent-based financial data sharing — enabling lending, wealth, and advisory services.

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Core Banking Modernisation

Legacy core banking system modernisation — API layer, digital channel enablement, and microservices migration without downtime.

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Prepaid & Virtual Card Issuance

Prepaid card programme setup, virtual card issuance APIs, and spend management platforms on RBI PPI licence frameworks.

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Open Banking Analytics

Financial data aggregation, spend categorisation, cash flow forecasting, and personalised financial insight engines.

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Why It Matters

Banking Infrastructure for the Next Decade

India's financial infrastructure is undergoing its most significant transformation — UPI, Account Aggregator, OCEN, and ONDC are creating entirely new categories of financial products. We build the digital infrastructure that positions your institution to lead these shifts rather than react to them.

React NativeFlutterNode.jsPythonPostgreSQLRedisKafkaAWS MumbaiAzure IndiaNPCI APIsAadhaar eKYCCKYCDigiLockerSetuFinvu AA
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India-First Infrastructure

UPI, NPCI NACH, RBI AA framework, and UIDAI eKYC — India-specific banking infrastructure built and tested by specialists.

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RBI-Grade Security

AES-256, HSM key management, end-to-end TLS, and mandatory VAPT — the security standard RBI IT examinations require.

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Mobile-First Design

Banking apps designed for India's smartphone-first population — vernacular support, low-bandwidth mode, and feature phone fallback.

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Open API Architecture

Every service exposed as an API — enabling third-party integration, partnership programmes, and future product extensions.

How We Work

Our Proven Delivery Process

A structured, agile methodology that delivers on time, on budget, and beyond expectations — every single time.

01

Regulatory Mapping

RBI guidelines, licence requirements, and compliance obligations mapped before architecture design.

02

Platform Architecture

Core account, transaction, KYC, and card modules designed for scale, compliance, and API openness.

03

Core Development

Account management, payments, KYC, and card issuance modules developed with full audit logging.

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Integration & Testing

NPCI, bureau, KYC, and bank API integrations with end-to-end transaction flow testing.

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Security Audit & Launch

VAPT, RBI IT framework review, and phased customer onboarding launch.

Why ScaleUpTH

Why Businesses Choose Us

We combine technical depth with business pragmatism — delivering solutions that create real, measurable impact.

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India-Stack Ready

UPI, AA, eKYC, NACH — every Indian financial infrastructure API integrated and production-tested.

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Smartphone-First Experience

Banking UX designed for India — vernacular languages, low-data mode, and accessibility from day one.

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BaaS-Ready Architecture

Open API design means your platform becomes an infrastructure layer, not just an app.

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Regulator-Ready Security

VAPT, ISO 27001 alignment, and RBI IT framework compliance documentation ready for examination.

FAQ

Frequently Asked Questions

Everything you need to know before getting started.

Can a non-banking company launch a neobank in India?+
Yes — through partnerships with scheduled commercial banks or NBFCs under BaaS arrangements. We help structure the technology stack around the appropriate regulatory model for your situation.
What is the RBI Account Aggregator framework?+
AA is an RBI-licensed framework for consent-based sharing of financial data — allowing customers to share their banking, investment, and insurance data with third parties like lenders. We integrate AA for lending and wealth applications.
Can you modernise our existing core banking system?+
Yes — we build API layers and digital channels on top of legacy core banking systems, enabling modern mobile and internet banking without replacing the core. Full core migration is also available.
How do you handle cross-border payments?+
FEMA-compliant international payment integration via authorised dealer banks, RDA channels, and SWIFT integration for corporate banking platforms.
Do you build co-operative bank digital platforms?+
Yes — we specialise in digital transformation for urban and district co-operative banks including mobile banking, internet banking, and CBS API integration.
Ready to Start?

Let's Build Your Digital Banking Solution

Tell us your requirements — we'll have a tailored proposal and free consultation in your inbox within 24 hours.

Start Your Project 📞 +91 93370 35617
Get In Touch

Start Your Project
With Us Today

Share your vision — we respond within 24 hours with a tailored proposal and free consultation.

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LocationCuttack, Odisha, India
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HoursMon–Sat, 9 AM – 7 PM IST

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