🏦 Fintech & BFSI
AI Engineering for Fintech & BFSI Companies
From KYC automation to real-time fraud detection, lending platforms to voice AI for collections — Vikgol builds the AI and software infrastructure that powers modern financial products. Production-grade. Compliant. 72-hour POC.
4+
Fintech & BFSI clients delivered
72hrs
Working POC guaranteed
NDA
Signed before every engagement
100%
Code ownership to client
Trusted by Fintech & BFSI Companies
🏦 Lark Finserv
💳 Zokudo
📱 eko
💰 Validus Fintech
RBI/SEBI compliance aware
DPDP Act 2023 ready
KYC & AML integrations
PCI-DSS aware development
Bank-grade security
Industry Challenges
What Fintech Companies Actually Struggle With
These aren’t generic challenges. They’re the exact problems we’ve solved for fintech clients — and the ones your engineering team is likely facing right now.
KYC Takes Too Long
Manual KYC verification slows onboarding, increases dropout, and requires large operations teams. Every hour of delay loses customers to faster competitors.
Fraud Detection Lags Behind
Rule-based fraud systems miss sophisticated patterns. False positives block legitimate customers. Real-time ML detection is the only answer — but hard to build in-house.
Legacy System Integration
Core banking systems, payment gateways, credit bureaus — connecting these without downtime or data loss is an engineering challenge that blocks new product launches for months.
Credit Risk Without Data
Traditional credit scoring excludes thin-file customers. Alternative data — UPI history, utility payments, rental records — requires AI to process and score reliably.
Collections at Scale
Human agents for collections are expensive and inconsistent. Voice AI for collections — EMI reminders, repayment conversations, escalation routing — is now table stakes for lenders.
Compliance Engineering
RBI, SEBI, DPDP Act 2023 — regulatory requirements change constantly. Building compliance into the architecture from day one is far cheaper than retrofitting later.
Vikgol Solutions
What We Build for Fintech & BFSI
Production-grade solutions — not demos. Every system we build is tested on real data, integrated with your existing stack, and handed over with full code ownership.
AI-Powered KYC Automation
End-to-end KYC automation — PAN, Aadhaar, GST, bank account verification. Signdesk, Digio, NSDL API integrations. Reduce KYC time from hours to seconds.
Real-Time Fraud Detection
ML models trained on transaction patterns, velocity checks, device fingerprinting, and behavioural signals. Real-time scoring with sub-100ms latency for payment flows.
Lending Platform Development
End-to-end loan origination systems — application flows, credit scoring, document collection, disbursement, and repayment tracking. Mobile-first, API-first architecture.
Voice AI for Collections
Multilingual voice AI agents for EMI reminders, repayment conversations, and soft collections. 12 Indian languages supported. Sub-300ms latency. TRAI compliant.
Alternative Credit Scoring
ML models that score thin-file customers using alternative data — UPI transaction history, utility payments, GST filings, and behavioural signals. Expand your addressable market.
Payment & Banking Integration
UPI, IMPS, NEFT, NACH integrations. Razorpay, PayU, Cashfree, NPCI connectivity. Core banking system integrations (Finacle, Temenos). API-first, bank-grade security.
Case Study
Lark Finserv — Lending Platform Built in 8 Weeks
CLIENT · BFSI · INDIA
End-to-End Loan Origination System for Lark Finserv
Lark Finserv needed a complete digital lending platform — loan application, KYC automation, credit scoring, document management, and disbursement tracking — built for mobile-first customers across India.
8 wks
Full platform built and deployed to production90%
Reduction in KYC processing time3 min
Average loan application time on mobile100%
API-first — integrated with bureau & banking APIs8 wks
Full platform to production
90%
KYC time reduced
3 min
Avg loan application
100%
Code ownership
Technology Stack
Built for Fintech Grade Performance
Every tool chosen for reliability, security, and compliance — not just familiarity.
🤖
AI/ML
Python + LangChain
LLM pipelines, RAG, fraud ML models
📱
Mobile
React Native / Flutter
Cross-platform fintech apps
⚡
Backend
Node.js / FastAPI
High-throughput transaction APIs
🗄️
Database
PostgreSQL + Redis
ACID compliance + caching
☁️
Cloud
AWS
Compliant cloud infra, DR/BCP
🔐
KYC
Signdesk / Digio
PAN, Aadhaar, GST, Bank verification
💳
Payments
Razorpay / NPCI
UPI, NACH, payment gateway
🎙️
Voice AI
Deepgram + Twilio
Collections, reminders, support
FAQ
Common Questions from Fintech Teams
How does Vikgol ensure compliance with RBI and SEBI regulations?
We build compliance awareness into the architecture from day one — data residency on Indian cloud infrastructure, audit logging for all transactions, DPDP Act 2023-aligned data handling, and API design that supports regulatory reporting requirements. We work closely with your compliance team to ensure the technical implementation aligns with your regulatory obligations.
Can Vikgol integrate with our existing core banking system?
Yes. We’ve integrated with major core banking systems including Finacle, Temenos, and custom-built banking platforms. Our API-first approach ensures clean, versioned integrations that don’t create technical debt. We also handle payment gateway integrations (Razorpay, PayU, Cashfree) and bureau integrations (CIBIL, Experian, CRIF).
How long does it take to build a lending platform from scratch?
A working POC with core loan application flows, KYC, and basic credit scoring can be ready in 72 hours. A full production platform — including document management, disbursement, repayment tracking, and bureau integrations — typically takes 8-12 weeks with a dedicated Vikgol engineering pod.
Does Vikgol work with early-stage fintech startups or only enterprises?
Both. We’ve built MVP lending platforms for seed-stage startups and complex AI fraud detection systems for mid-market NBFCs. Our engagement model adapts — from a 72-hour POC for validation to a full dedicated engineering pod for 6-12 month builds. Minimum engagement is a single project, no long-term contract required.
Ready to Build Your Fintech Product?
Book a free 30-minute strategy call with our fintech engineering team. No pitch — just an honest conversation about your requirements.