Photography · Institution HQ, exterior
2015 TODAY 99.95% UPTIME
BFSI & NBFC Practice · serving businesses worldwide since 2009

Institutions that can't afford downtime need different technology.

Have an NBFC technology challenge? Ask Milo - he'll help you frame the problem and find the right place to start.

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Custom software developed and shipped since 2009
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Faster customer onboarding, flagship NBFC engagement
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Contracted uptime SLA on managed platforms
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Countries our clients' platforms currently serve
RBI IT OUTSOURCING GUIDELINES DATA LOCALISATION ISO 27001 CONTROL OBJECTIVES PCI-DSS PRINCIPLES AUDIT & INCIDENT READINESS RBI IT OUTSOURCING GUIDELINES DATA LOCALISATION ISO 27001 CONTROL OBJECTIVES PCI-DSS PRINCIPLES AUDIT & INCIDENT READINESS
What's actually at stake

Realities every BFSI technology decision has to survive.

01

Regulatory scrutiny doesn't pause for a launch date

Every architecture decision - data residency, audit trails, vendor outsourcing terms - has to hold up under an RBI inspection, not just a demo.

02

Uptime is a customer-trust event, not an SLA line item

An outage on a lending or payments platform is a headline risk before it's an engineering ticket. We design and staff for that reality.

03

Legacy core systems don't get replaced - they get integrated around

Most engagements are integration-first: new digital experience, existing core banking or loan management system, zero tolerance for reconciliation errors.

04

Fraud, PR and product risk are one conversation, not three

A breach or an outage is simultaneously a security incident, a regulatory disclosure and a communications event - which is why we run technology and PR under one accountable team.

The full scope of engagement

One accountable practice, replacing your multiple vendors.

Institutions rarely need just a website or just a campaign. Below is the full register of what our BFSI practice covers, run by the same senior team from first briefing to delivery.

Practice 01

Digital

Customer-facing platforms - onboarding, servicing, lending and payments journeys - designed for conversion and compliance in the same breath, not one traded off against the other.
Onboarding & KYC flowsCustomer portalsLoan & policy servicingConversion design
Photography · Onboarding flow, in product

Recent scope has included re-platforming a five-step onboarding journey into a single-session flow, building self-service loan-servicing portals for retail lending books, and redesigning payment journeys around drop-off data rather than assumption.

Practice 02

Technology

Cloud architecture, core-system integration and managed operations built to RBI outsourcing and data-localisation expectations from the architecture phase onward, not retrofitted before audit.
Cloud & data architectureCore banking integrationManaged operations & SLAsSecurity & audit readiness
Photography · Data centre, managed ops

Includes integration with core banking and loan management systems, real-time reconciliation pipelines, and managed operations with contracted uptime SLAs reported against monthly, not summarised at renewal.

Practice 03

PR & communications

Narrative and disclosure strategy for a sector where trust is the product - from routine coverage to incident communications when something does go wrong.
Media & analyst relationsRegulatory disclosure supportExecutive positioningCrisis & incident comms
Photography · Analyst briefing, in session

Runs alongside the technology practice rather than after it - the same team that knows your architecture drafts the incident communication, so the two stories never contradict each other.

Practice 04

Activations

On-ground and channel-partner activations - branch launches, distributor and DSA network campaigns, financial literacy drives - built to move the same metrics the digital practice is accountable for.
Branch & channel launchesDistributor/DSA campaignsFinancial literacy programsRegional activation planning
Photography · Branch launch, north zone

Planned against the same funnel the digital team owns, so a regional launch and an onboarding-conversion push are measured on one dashboard, not two.

Compliance & governance posture

What we align to before a proposal is written.

Outsourcing

RBI IT outsourcing guidelines

Engagement structure, escalation paths and vendor-risk documentation aligned to RBI's Master Direction on outsourcing of IT services for regulated entities.

Data

Data localisation

Architecture reviewed against RBI's payment-data storage requirements before any customer data leaves the drawing board.

Security

Information security practice

Development and infrastructure practices aligned to ISO 27001 control objectives and PCI-DSS principles for any payments-adjacent build.

Readiness

Audit & incident readiness

Documentation, logging and escalation paths built so a regulatory audit or a security incident is a review, not a scramble.

We align our engagement structure and technical controls to these standards; institution-specific certification and regulatory sign-off remain the client's own compliance function.

Selected work

A handful of the platforms and campaigns we've shipped recently.

View full portfolio →
How the engagement is governed

Built for a risk committee, not just a project sponsor.

01

A named senior architect, not a rotating account team

The person who scopes your engagement is the person accountable for it - reachable directly through delivery, not behind an account-manager relay.

02

A steering cadence your risk and compliance teams can sit in on

Regular structured reviews with delivery, security and - where relevant - your compliance function, not just a sponsor-only status call.

03

Uptime and delivery commitments written into the contract

SLA terms are negotiated up front and reported against, not summarised in a slide at the end of the quarter.

04

A defined incident and disclosure protocol from day one

If something goes wrong, the escalation path - technical and communications - is agreed before it's ever needed.

Let's talk, in confidence

If your institution can't afford to get this wrong, neither can we.

A confidential 30-minute briefing with Rohan and a senior architect - no sales deck, scoped around your specific compliance and uptime constraints. We respond within one business day.

Request a Confidential Briefing →
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