FinTech & FinancialSoftware Development
Payments, lending, wealth and banking platforms engineered for real-time scale, security and regulation.
Rails
UPI · AA · ISO 20022
Security
PCI DSS · ISO 27001
Delivery
India + global
FinTech Market Data
India runs one of the world's busiest real-time payment systems, and consent-based data sharing now lets lenders underwrite in minutes. Winning products pair that speed with fraud controls and audit-ready engineering.
UPI transactions in July 2026, a record month
Source: NPCI data via Amar Ujala ↗UPI's share of India's digital payments in 2024
Source: RBI report via IANS ↗Account Aggregator consents processed by Sept 2025
Source: Sahamati via HyperVerge ↗FinTech Challenges
- 01
Fraud at real-time speed
Instant payments leave seconds, not days, to catch mule accounts, account takeovers and synthetic identities.
- 02
Regulation that keeps moving
RBI digital lending rules, KYC norms, data localisation and audit expectations change faster than legacy stacks can.
- 03
Reconciliation pain
Payments across UPI, cards, wallets and banks settle on different cycles, and finance teams match them by hand.
- 04
Legacy core systems
Batch-based cores and closed vendor platforms slow down every new product launch.
FinTech Software We Build
Payments & checkout
01UPI intent, collect and AutoPay, cards, net banking and payouts, with smart routing across gateways.
- UPI
- AutoPay
- Payouts
Digital lending platforms
02Loan origination, Account Aggregator-based underwriting, e-sign, e-mandate and collections in one flow.
- LOS
- LMS
- AA
KYC & onboarding
03Aadhaar-based e-KYC, video KYC, PAN and bank verification, with risk scoring and audit trails.
- e-KYC
- Video KYC
- AML
Wealth & investment apps
04Portfolio tracking, mutual fund and stock journeys, goal planning and consolidated statements.
- Wealth
- Dashboards
- Mobile
Reconciliation & ledgers
05Double-entry ledgers and automated reconciliation that match every rupee across rails and banks.
- Ledger
- Recon
- Reporting
Risk & fraud engines
06Rules plus machine-learning models scoring transactions in real time, with case management for analysts.
- Fraud
- ML
- Monitoring
FinTech Use Cases
NBFC digital lending journey
01- Scenario
- Loan files take days because statements, bureau reports and signatures are collected manually.
- What we build
- An end-to-end lending flow: Account Aggregator statements, bureau pull, rules-based underwriting, e-sign and e-NACH.
- Result
- Decisions in minutes with a complete audit trail for RBI reviews.
- Account Aggregator
- e-Sign
- e-NACH
- Java
Merchant payments & reconciliation
02- Scenario
- Settlements from UPI, cards and wallets arrive on different cycles and finance matches them in spreadsheets.
- What we build
- UPI QR and intent payments with a ledger that reconciles every settlement automatically and flags mismatches.
- Result
- Same-day reconciliation instead of month-end firefighting.
- UPI
- Ledger
- Kafka
- PostgreSQL
Real-time fraud monitoring
03- Scenario
- A payments app sees rising account-takeover and mule-account fraud, caught only after customer complaints.
- What we build
- Device, behaviour and velocity signals scored in real time, with step-up authentication and an analyst case queue.
- Result
- Suspicious payments held before money leaves the platform.
- Python
- ML models
- Redis
- SIEM
Co-operative bank goes mobile
04- Scenario
- Customers queue at branches because the core banking system has no modern channels.
- What we build
- A secure API layer over the core system, plus mobile and internet banking with UPI and biometric login.
- Result
- Everyday banking moved from the branch to the phone.
- API gateway
- Flutter
- UPI
- HSM
Emerging Tech In FinTech
Real-time AI fraud detection
Behavioural and device signals scored in milliseconds, so suspicious payments are stepped up or held before money leaves.
Instant underwriting with consented data
Account Aggregator bank statements and GST data feed credit models that decide in minutes instead of days.
Conversational banking
Balance checks, payments, EMI reminders and support on WhatsApp and voice, with secure handoff to the app.
Embedded finance APIs
Package payments, credit or insurance as APIs so partners can offer them inside their own products.
FinTech Standards & Compliance
UPI (NPCI)
IndiaIntent, collect, QR, UPI AutoPay mandates and payouts through partner PSP banks.
Account Aggregator framework
IndiaConsent-based access to bank, GST and investment data as a Financial Information User.
RBI digital lending & KYC norms
IndiaKey fact statements, direct disbursal, cooling-off periods, e-KYC and video KYC flows.
PCI DSS v4.0
GlobalCard-data security through tokenisation, segmentation and scope reduction.
ISO 20022
GlobalStructured payment messaging used by SWIFT and a growing number of real-time payment systems.
PSD2 & open banking
EU / UKStrong customer authentication and regulated account-access APIs for European markets.
ISO 27001 & SOC 2
GlobalSecurity controls and evidence that enterprise and banking partners ask for in due diligence.
FinTech Integrations
Payments
- Razorpay
- Cashfree
- PayU
- Stripe
Banking rails
- UPI via PSP banks
- IMPS / NEFT
- e-NACH
Identity & KYC
- DigiLocker
- CKYC
- PAN verification
- Video KYC
Data
- Account Aggregators
- Credit bureaus
- GST data
Security
- AWS KMS
- HSMs
- SIEM
FinTech Delivery Process
The same research-first process we use on every financial services & fintech project.
- 01
Week 1–2
Domain & Compliance Discovery
We map your workflows, users and the regulations that apply, before a line of code is written.
Outcome: Requirements, compliance checklist and integration map.
- 02
Week 2–4
Architecture & Integrations
We design data models, security controls and the integrations with the systems you already run.
Outcome: Architecture, API contracts and a clickable prototype.
- 03
Sprints
Build In Increments
Working software every two weeks, reviewed with your team and real users.
Outcome: Releases you can test, not status reports.
- 04
Before launch
Security & Compliance Validation
Penetration testing, access reviews, audit logs and documentation for your compliance team.
Outcome: Evidence that the system is safe to go live.
- 05
Ongoing
Launch, Scale & Support
Staged rollout, monitoring and SLA-based support as usage grows.
Outcome: A platform that keeps improving after launch.
FinTech Research & Reports
- Paper2024Fast payments, financial inclusion and UPI (BIS Papers No 152)Bank for International SettlementsCredits UPI's growth to an open, technology-agnostic architecture and finds it supported inclusion while preserving stability.
- Paper2025Growing Retail Digital Payments: The Value of InteroperabilityIMF Fintech Note (coverage by Business Standard)Finds that interoperable systems like UPI improve user experience and broaden digital-payment adoption.
Links open the original publication or a news report of it. Figures can change; check the source for the latest.
Other Industries
Questions, Answered
Related Services
Yes. We integrate UPI intent, collect, QR and AutoPay mandates through payment gateways or partner banks, with webhooks, retries and reconciliation built in.
Yes. We integrate with Account Aggregators as a Financial Information User, so customers can share bank statements with consent and your credit models can use them within minutes.
We tokenise card data to reduce PCI DSS scope, encrypt data in transit and at rest, keep audit logs for every sensitive action, and design flows around RBI guidelines from the start.
Yes. Nexgenex Labs is based in Raipur, Chhattisgarh, and builds for businesses across India and worldwide, with remote delivery, overlapping working hours and on-site workshops where needed.