We advise banks, NBFCs, insurers and fintechs on the architecture, controls and delivery of financial systems: from real-time payments and credit decisioning to regulatory reporting and the modernisation of core platforms. Recommendations come with a first deliverable in thirty days, not a slide deck alone.
Fintech consultingOur fintech work sits at the intersection of technology, risk and regulation. Each practice area is staffed by consultants who have delivered the systems they advise on, and each can be combined with our agentic pipeline and data engineering practices when the work moves from advice to build.
Design and review of real-time payment stacks: switch integration, idempotent transaction handling, reconciliation, dispute management and the throughput and availability targets that instant payments impose on every downstream system.
Decision engines, policy rule management, bureau and alternate-data integration, and the model governance around scorecards. We separate what a rule decides, what a model scores and what an underwriter must see, so each can be audited independently.
Automation of recurring RBI and SEBI submissions and internal compliance reporting: data lineage from source to return, validation rules, maker-checker sign-off and an evidence pack for each filing. Agents can draft and cross-check; a compliance officer signs.
Staged migration away from monolithic core banking, lending and policy-administration systems. We favour strangler-pattern decomposition with parallel runs and reconciliation over big-bang cut-overs, and we plan the data migration as its own workstream.
Transaction monitoring, account-takeover detection, mule-account patterns and AML alert triage. We combine rule engines, statistical models and agent-assisted investigation so that analysts spend their time on cases that warrant it.
Across all five areas, we identify the steps that involve reading unstructured documents, drafting correspondence or triaging exceptions, and we specify how an agentic pipeline can take those steps under human control. See the agentic pipelines practice for how those builds are governed.
Agentic flow pipelinesAdvisory engagements begin with a fixed-scope, thirty-day piece of work that produces something your organisation can act on. The table shows the mapping we most often use.
| Problem as usually described | What we do in the first 30 days | Deliverable |
|---|---|---|
| Payment failures and reconciliation breaks rise with volume | Trace a sample of failed and unreconciled transactions end to end; measure latency and error rates per hop; review idempotency and retry design. | Payments resilience review with a prioritised remediation list Architecture |
| Credit decisions are slow and hard to explain | Map the origination workflow, separate rules from scores from manual judgement, and quantify turnaround at each stage. | Decisioning blueprint with a target-state workflow and governance model Lending |
| Regulatory returns take weeks and rely on a few people | Document lineage for one high-effort return, identify manual adjustments, and prototype the validation layer. | Return automation design and a working prototype for one return Regulatory |
| Core system limits every new product launch | Inventory integrations and data dependencies, identify the first domain to extract, and estimate the migration effort. | Modernisation roadmap with a first-domain business case Core |
| Fraud alerts overwhelm the investigation team | Analyse alert outcomes, tune the highest-volume rules, and design an agent-assisted triage step with a human decision. | Alert-tuning report and a triage pipeline specification Risk |
| Unclear where AI should be applied in the business | Run our readiness assessment with the finance, risk and technology functions. | Prioritised use-case portfolio; see the AI transformation practice Advisory |
Described in anonymised form to show sequence and controls; figures indicate the pattern rather than a specific client's results.
A lender with a growing secured-loan book ran origination, servicing and collections on a single ageing platform that made each new product a multi-month change. Over a thirty-day assessment we inventoried integrations, mapped data flows and identified origination as the first domain to extract. The subsequent programme introduced a new decisioning service alongside the existing core, ran both in parallel for a full quarter with daily reconciliation, and cut over by product line.
Every fintech engagement includes named counterparts in risk, compliance and internal audit from the first week. Design decisions that touch customer data, regulatory reporting or credit policy are documented in a decision log that those functions review before implementation begins.
We will tell you within a week whether a thirty-day engagement can move it, and what the deliverable would be.