✦ Industry Solutions

Fintech & Banking

We build RBI-compliant, security-first digital financial products — NBFC lending platforms, neobank applications, investment and wealth management systems, insurance technology, and payment infrastructure — engineered to pass regulatory scrutiny, protect user funds, and scale to millions of transactions.

30+Fintech Apps Launched
₹500Cr+Transactions Processed
100%RBI Compliance Rate
5M+End Users Served

🏆 Industry Leaders We Build For

🏦NBFCs & MFIs
📱Neobanks & Fintechs
💳Payment Aggregators
📈Wealth Management Firms
🛡️InsurTech Startups
🏦Urban Co-operative Banks
🏦Small Finance Banks
💼Corporate Treasury Teams
🤝Lending Marketplaces
🔗Open Banking Platforms
Solutions We Build

Digital Solutions for Fintech & Banking

Industry-specific technology solutions engineered for the unique workflows, compliance requirements, and competitive dynamics of Fintech & Banking.

💰

NBFC Digital Lending Platform

End-to-end loan origination, bureau integration, video KYC, digital agreement, IMPS disbursement, and e-NACH collection.

Learn more ›
📱

Neobank & Digital Banking App

Mobile banking with UPI, virtual accounts, spend analytics, savings goals, and video KYC onboarding built on RBI-approved frameworks.

Learn more ›
📈

Investment & Wealth Platform

SEBI-compliant mutual fund, stock, and bond investment apps with portfolio analytics, goal planning, and advisor workflows.

Learn more ›
🛡️

Insurance Tech (InsurTech)

Digital insurance distribution, policy management, claims processing, and embedded insurance APIs for aggregators and insurers.

Learn more ›
💳

Payment Gateway & Orchestration

Razorpay, UPI, NACH, and international payment integration with multi-gateway routing and automated reconciliation.

Learn more ›
📊

RegTech & Compliance Automation

AML transaction monitoring, fraud detection, regulatory reporting automation, and real-time compliance dashboards.

Learn more ›
By The Numbers

India's Fintech Revolution — By The Numbers

The opportunity for technology-led financial services in India has never been larger — and the window to capture it is narrowing as competition intensifies.

$150B

India Fintech Market by 2025

India is the world's 3rd largest fintech ecosystem — digital lending, payments, and wealth management are all expanding rapidly.

400M+

Unbanked or Underbanked Adults

The addressable market for digital-first financial services in India remains enormous — technology is the only scalable way to reach it.

₹200Cr

Daily UPI Transaction Volume

India's UPI infrastructure processes ₹200Cr+ daily — the payment rails are built. Winning products are built on top of them now.

60%

Loan Applications Now Digital

Over 60% of personal loan applications in India are now initiated digitally — mobile-first lending UX is the competitive standard.

3x

Higher Retention for AI Personalisation

Fintech platforms using AI-driven personalisation see 3× higher user retention vs generic financial product experiences.

18 Months

Average Time to RBI Approval

Technology readiness, audit trails, and compliance architecture completed before product launch are key to successful RBI interactions.

Our Expertise

Fintech Built on RBI Compliance, Not Around It

Compliance is not a layer added before launch — it's architecture. We design data residency, audit trails, encryption, and regulatory reporting into the core data model from day one, so your platform is regulator-ready rather than regulator-reactive.

React NativeFlutterNode.jsPythonPostgreSQLRedisKafkaAWS MumbaiRazorpayPayUNPCI APIsAadhaar eKYCCIBIL APISetuDigio
📋
RBI & SEBI Compliance Built In

FLDG, co-lending frameworks, KYC norms, PPI regulations, and data localisation requirements woven into architecture.

🔐
Bank-Grade Security

AES-256 encryption, HSM key management, token-based PAN storage, and mandatory VAPT before every release.

🔗
India Financial Stack

UPI, NACH, Aadhaar eKYC, CIBIL, CRIF, CKYC, and DigiLocker — every Indian financial API integrated and tested.

📱
Mobile-First India Design

Designed for India's smartphone-first population — vernacular support, low-bandwidth optimisation, and feature-phone fallback.

How We Work

Our Fintech & Banking Delivery Process

A structured engagement model built around your industry's regulatory requirements, integration landscape, and operational realities.

01

Regulatory Architecture Mapping

RBI/SEBI requirements mapped to technical architecture before development begins.

02

Core Platform Development

Account, transaction, KYC, and product modules with full audit logging and data encryption.

03

API Integration

NPCI, bureau, KYC, and banking integrations with sandbox and production environment testing.

04

Security & VAPT

Mandatory penetration testing and VAPT report completed before any production launch.

05

Phased RBI-Ready Launch

Compliance documentation, audit review, and monitored launch with transaction surveillance.

Why ScaleUpTH

Why Fintech & Businesses Choose Us

Deep domain knowledge combined with full-stack technical capability — we build solutions that fit your industry, not generic software forced to fit.

📋
Zero Compliance Surprises

Regulatory requirements designed in from day one — not discovered as blockers six weeks before launch.

🔐
Financial-Grade Security

VAPT, AES-256, tokenisation, and HSM — the security posture regulators and enterprise clients require.

🔗
Complete India Stack

Every Indian financial API tested in production — no integration surprises when you go live.

📱
Millions-Ready Architecture

Microservices and auto-scaling designed to handle 10× user growth without platform re-architecture.

FAQ

Frequently Asked Questions

Common questions from Fintech & Banking businesses before engaging with us.

What RBI licences are relevant for different fintech products?+
NBFC licence for lending. PPI licence for prepaid wallets and cards. PA licence for payment aggregation. Account Aggregator licence for data sharing. We advise on appropriate licence structure for your product.
How do you handle data localisation for RBI?+
All financial data stored on AWS Mumbai, Azure India Central, or on-premise servers — we never route RBI-regulated data through international regions.
Can you integrate with all major credit bureaus in India?+
Yes — CIBIL TransUnion, CRIF Highmark, Experian, and Equifax integrations for real-time credit score and report fetch within loan origination workflows.
How long does fintech app development take?+
MVP NBFC lending platform: 4–6 months. Full neobank with card issuance: 8–12 months. InsurTech aggregator: 4–6 months. Timeline depends heavily on third-party integration complexity.
Do you provide ongoing compliance monitoring?+
Yes — AML rule updates, new RBI circular implementation, and quarterly compliance architecture reviews as part of managed support engagements.
Ready to Transform?

Let's Build Your Fintech & Digital Solution

Share your fintech & business challenge — we'll respond with a tailored proposal and free consultation within 24 hours.

Start the Conversation 📞 +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.

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

Send Us a Message