Fintech Platform Reimagined for Speed, Compliance & Scale

Cloud-first reengineering to converge lending, payments and core banking while enhancing compliance and fueling growth.

40%

Higher onboarding conversions with AI-driven KYC

70%

Faster go-to-market using reusable fintech components

3x

Scale-up in transaction volume post-migration

Client overview

Our client is a rapidly expanding fintech startup with offices across the U.S., Southeast Asia and India that works with over 20 global customers on a team of 150+ engineers. The company specializes in lending, payments and digital banking, while building secure, scalable-and-regulation-ready financial experiences. To support this high number of transactions and a growing product portfolio, the client required an unified cloud native architecture that could provide trust, speed, and operational efficiency.

Challenges

Fragmented data systems and manual reporting limited visibility into clinical and operational performance.

Reliability and scale were
constrained by legacy systems

Legacy system was not able to process the increasing number of transactions, resulting in frequent breakdowns and a lack of performance.

Manual KYC/AML created
onboarding friction

High drop-offs were generated by slow, validation-heavy user journeys.

Regulatory compliance
hurdles

RBI, SEBI and meeting international frameworks forced them to have a much more audit-able architecture.

Solution

10decoders re-architected the platform from scratch with a modern, composable and compliance-ready fintech tech stack.

Consolidated core for lending, payments and banking

Combined 10decoders core banking systems, payment gateways and lending modules into a unified digital platform.

AI-powered KYC & AML automation

Built frictionless, all-AI validation flows that increased onboarding throughput.

Cloud-native microservices with DevSecOps

Containerized services and automated CI/CD process allow scaling, security deployment and zero-downtime release in real time.

Regulatory-ready architecture

Created a compliance-oriented architecture catering to RBI, SEBI and global audit guidelines.

Business impact

The transformation allowed the firm to provide customers with a digital revolutionary, secure and agile financial platform.

More conversions & better user experience

Onboarding uplifted 40% through AI-powered low-friction verification flows.

Accelerated go-to-market

Reuse and Agile delivery reduced launch times by 70%.

Effortless scalability

Processed 3x larger transaction volumes with no downtime following cloud migration.

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What a great team to work with . They did not only work and deliver the defect free code on time but they went an extra mile and setup some process improvements which not only helped us delivering on time but helped tracking defect code with all the standards followed . Right from document

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High Performance Engineering trusted by CTO’s and Engineering Leaders.