Our Partner
FinBox
FinBox: Powering the Future of Digital Credit with Embedded Finance and AI-First Decisioning
FinBox is an AI-native digital lending platform redefining how credit is built and delivered in the modern economy. At its core, FinBox provides a modular, API-first operating system for digital lending that lets banks, NBFCs, fintechs, and platform businesses launch, embed, and scale lending products with unparalleled speed and precision.
With a full-stack infrastructure spanning onboarding, underwriting, risk intelligence, and embedded finance rails, FinBox empowers partners to embed credit deeply into user journeys rather than redirecting customers to legacy systems — shortening time-to-market from months to weeks. Its suite includes advanced loan origination tools, AI-driven decisioning engines like Sentinel AI for real-time credit decisions, and risk intelligence capabilities that improve approval accuracy while managing portfolio health.
FinBox’s impact is tangible: hundreds of enterprises integrate its stack to automate origination, streamline compliance, and unlock new revenue streams by offering in-context credit across consumer and MSME segments. Backed by a strong lender network and reinforced with machine learning and alternative data signals, FinBox continues to push the boundaries of what embedded finance and digital lending can deliver — smarter, fairer, and faster.
Scienaptic
Founded in 2014, Scienaptic AI was built with a mission to drive financial inclusion at scale through AI-driven credit decisioning BRE. The platform encapsulates a decade of technological innovation, integrating more data into decision-making processes, leveraging advanced machine learning algorithms, and complementing them with rigorous risk and fair lending monitoring.
Used by some of the largest microfinance institutions (MFIs), major banks, leading non-banking financial companies (NBFCs), and prominent fintechs, Scienaptic processes over 5 million credit decisions every month. The AI platform evaluates loan applications worth more than $4.4 billion monthly, enabling over 2 million underserved individuals each month with limited or no credit history to access personal loans, credit cards, vehicle loans, MSME loans, and MFI loans.
Scienaptic’s credit BRE platform puts robust underwriting capabilities at the fingertips of in-house underwriting teams. Today, more than 150 lenders rely on Scienaptic’s platform to enhance the accuracy and efficiency of their underwriting.
For more information, visit: https://www.scienaptic.ai/global
Testhouse
Founded in 2000 and headquartered in London, UK, Testhouse is a leading provider of Digital Assurance and Automation solutions. We serve a global clientele across the United States, United Kingdom, Australia, Europe and the Middle East - empowering sectors like Banking, Insurance, Healthcare, Online Retail and more.
With proven global delivery models and a team of seasoned engineers, we ensure efficient, cost-effective and high-quality results. What sets us apart is our deep domain expertise and steadfast commitment to Quality Engineering, making us a trusted QA partner to enterprises worldwide.
Through strategic partnerships with top-tier tool providers and an innovation-driven approach, we deliver bespoke, cutting-edge testing solutions. Leveraging Generative AI, Prefabricated Assets and Lifecycle Automation, we help our clients accelerate their go-to-market, exceed business goals and deliver exceptional customer experiences.
Clayfin
Clayfin is a digital banking platform company helping financial institutions build intelligent, scalable, and experience-led banking ecosystems across multiple digital touchpoints such as Internet, Mobile banking.
Positioned as a modern banking platform rather than a standalone product suite, Clayfin brings together a powerful experience layer, API and service orchestration, cognitive intelligence, business logic, and DevOps capabilities to enable rapid digital transformation across retail, corporate, SME, and wealth banking.
The platform empowers banks to launch outcome-driven digital experiences faster, accelerate innovation, improve customer engagement, and deliver hyper-personalised financial journeys at scale. With a modular and API-first architecture, Clayfin enables financial institutions to adopt capabilities incrementally while future-proofing their digital banking strategy.
Trusted by banks and financial institutions across global markets, Clayfin is redefining how financial institutions design, deliver, and scale digital banking experiences.
Digitide
Digitide started with a simple vision: to transform business operations and drive growth for enterprises across the globe. For over 20 years, we’ve been at the forefront of this mission, creating lasting impact through AI-led digital solutions, smart business processes, and deep industry expertise.
Our journey began as a partner to businesses looking to enhance operational efficiency and customer experiences. By combining the power of AI, data intelligence, and business process services, we’ve been able to help our customers master the digital age and stay ahead of the curve.
With a global presence across 40 locations in 5 countries and a team of 55,000 dedicated associates, we deliver transformative solutions that help businesses adapt, evolve, and thrive in a constantly changing world. We’re more than just a service provider—we’re a committed partner driving meaningful impact every day.
We leverage global expertise and local insights to help customers navigate challenges and seize new opportunities. With a focus on innovation, collaboration, and results, we continue to pave the way for the future of business.
Karix
Karix Mobile empowers enterprises to use mobile to transform their business at all stages of customer life cycle, from acquisition to retention. We enable enterprises to intelligently personalize their two-way marketing & customer care interactions, across multiple channels through our robust, secure and scalable mobile engagement platform.
Our offerings include community building in the mobile population, growing a brand’s mobile contact database, alerts and notifications for optimal customer care, robust campaigns to increase engagement and above all the power of insights through advanced analytics to optimize spend and re-target. Our unique solutions are supported by a proprietary, highly scalable mobile messaging platform, intuitive campaign management tools, robust set of open APIs and sophisticated re-targeting technology. We have a stronghold and presence in virtually every major vertical segment in India; with marquee customers in banking, insurance, stock exchanges, automotive, DTH, retailers, consumer products, e-commerce, m-commerce, and the government. Also, ultimately every end consumer in is a beneficiary of our services – be it confirmations of their banking transactions, informational messages from the government agencies or intimations on their online shopping delivery status.
FinEye
FinEye simplifies how lenders access, analyze, and interpret borrower financial data. The platform processes bank statements, GST returns, ITRs, and Account Aggregator feeds, converting them into structured, decision-ready insights for faster underwriting and risk assessment. As an ISO 27001:2022 certified TSP within Sahamati’s Account Aggregator framework, FinEye combines secure, consent-based data access with powerful analytics in a single solution. Powered by BeFiSc and built on proprietary, in-house AI models designed for financial data analysis and fraud detection, the platform supports 100+ banks and 150+ statement formats, helping teams reduce manual work, strengthen risk evaluation, and scale credit decisioning with speed and confidence.
GreyLabs AI
GreyLabs AI is a market leader in Voice AI for India’s BFSI sector.
Built for 50+ enterprises across banking, insurance, NBFCs, stock broking, and fintech, its agentic platform powers sales, collections, renewals, and customer support with human-like accuracy, empathy, and compliance - across multiple Indian languages.
Trusted by leading institutions including Axis Bank, RBL Bank, SBI Life, ICICI Prudential, Axis Max Life, Piramal Finance, Axis Securities, PhonePe, Scapia, and Groww, GreyLabs has processed millions of conversations, turning customer interactions into measurable business outcomes at scale.
Pinnacle
Pinnacle helps companies get the most from their recognition and appreciation programs by giving awards and trophies that not only look remarkable, but are meaningful too. Moments of appreciation can be powerful and life-changing for some - with our awards and trophies, we want them to matter, to be remembered.
Our customers are brands and leaders who believe in recognition and appreciation and want to build a happy workplace. They want to give the best to their people instead of just organising a recognition event. Over 2700 brands have trusted us in the last two decades to make their people, their customers, their channel partners and even their friends and family feel special, feel appreciated - making people feel they matter.
We specialize in crafting innovative awards and trophies. With an in house design team and our very own production unit, we are always buzzing with new ideas to up your recognition game.
AccessifyLabs
AccessifyLabs is a digital accessibility consultancy for financial institutions navigating regulatory risk and compliance mandates. We help banks, NBFCs, and fintech platforms make their websites, mobile apps, and digital banking products compliant with WCAG 2.2, RBI guidelines, SEBI circulars, and global standards like ADA and Section 508 — not as a one-time audit, but as an embedded operational capability. From accessibility audits and remediation to VPAT/ACR documentation, staff training, and governance frameworks, we deliver what financial institutions need to meet accessibility mandates, reduce legal exposure, and expand market reach to India's 26 million persons with disabilities. We're IAAP members, empaneled as a Web Accessibility Auditor by the Government of India, and trusted by enterprise clients across regulated sectors including banking, insurance, and government. Our approach isn't templated. Every engagement is built around your digital ecosystem, regulatory timeline, and risk profile — because in banking, accessibility isn't just compliance. It's customer trust.
Bureau
Bureau is a modern no-code fraud detection, and identity decisioning platform. It delivers accurate conclusions about the trustworthiness of digital identities to prevent fraud and ease compliance, resulting in seamless digital journeys for legitimate customers. The single AI-architected platform provides banks, fintechs, gaming, and gig economy companies with a complete range of fraud, risk and compliance solutions in over 100 markets globally.
Backed by leading global investors, including Quona Capital, Village global, Commerce Ventures, Okta (Nasdaq) , and GMO Payments (Tokyo), Bureau is headquartered in San Francisco, with a global presence in India, Southeast Asia, and the Middle east. Learn more at https://www.bureau.id/
Fios Compliance
Fios Compliance delivers automated open data intelligence reports on entities and individuals. It provides comprehensive compliance screening checks, covering adverse and negative media screening, global sanctions, watchlists, PEP checks, and other domestic and global databases to deliver relevant extended KYC reports.
Vaultedge
Vaultedge is a lending technology company. Vaultedge helps banks, NBFCs and other financial institutions digitize the lending & onboarding process using its advanced AI and API products.
Top customers like HDFC Bank, Hero Housing and Avanse Financial use Vaultedge products to process more than 2,000 loans every single day.
Vaultedge offers three products for India market:
• Document AI (OCR): Reviews scanned loan files to Identify & split documents, Extract data and highlight missing documents and inconsistent data. Unique product, offered only by Vaultedge in India.
• ITR and GST APIs: Connects to a borrower's Income Tax account and GST account and pulls Income Tax Returns, GST Returns and other related data and transforms into a standard format for use in lending. Highest success rate and fastest response time. Support both direct pull from Income tax & GST website as well as pdf upload.
• Redaction API: Redacts PII data like Aadhaar number from documents.
Our Past Partners
FINDI
Findi Limited (ASX: FND) is an ASX-listed fintech company with almost two decades of experience in payments and ATM management in India. Operating as Transaction Solutions International (India) Pvt Ltd (TSI), the company delivers a wide range of cash, digital payment, and last-mile banking solutions across rural and remote parts of the country.
With a robust network of 10,000+ Brown Label ATMs and 1,80,000+ merchants, Findi processes close to 700 million transactions annually, serving over 4 million customers each day.
For More Information:
https://findi.co/
UPTIQ
Founded by industry veterans, Uptiq is the enterprise-ready AI platform purpose-built to modernize financial services workflows. With deep domain expertise, our sophisticated AI powers a unified solution that enhances operational efficiency and maximizes team capacity, driving superior outcomes through a better client experience. Uptiq delivers rapid results through easily deployable AI agentic apps and an innovative AI Workbench that enables institutions to adapt and scale with evolving business needs. Trusted by over 140 financial institutions, including Focus Financial Partners, Orion, Broadridge, and TransPecos Banks, Uptiq is the proven AI partner for highly regulated industries. With over $1 billion in transactions processed and more than $23M in equity funding, Uptiq isn’t just shaping the future of AI in financial services — it’s leading it lence.
Zrika
Zrika is an innovation-led fintech company driving the evolution of digital finance in India. We combine deep domain expertise with advanced technology to simplify the complexities of modern banking. Guided by a mission to empower institutions with intelligent infrastructure, we build solutions that adapt, scale, and stay compliant. Our commitment to speed, security, and simplicity enables clients to unlock new opportunities and enhance customer trust. At Zrika, we don’t just follow trends—we shape them. With a future-ready mindset and a focus on real-world impact, we are redefining how financial ecosystems operate in a connected world.
Aadiswan
AadiSwan is a leading provider of AI-driven lending solutions, empowering financial institutions across India and the Middle East. Our suite of products—CredPro, CADPro, EWSPro, CAMPro, and ESMSPro—streamlines underwriting, risk assessment, compliance, and ESG management. Built by industry experts, our platforms combine deep domain knowledge with automation to enhance efficiency, reduce costs, and accelerate go-to-market. Scalable and flexible, AadiSwan supports diverse business models, helping clients bridge the credit gap and drive sustainable growth. We’re redefining financial excellence through intelligent, practical, and reliable solutions.
Finastra
Finastra’s purpose is to unlock the power of finance for everyone.
A global provider of financial software applications. Finastra also serve institutions of all sizes, providing award-winning software solutions and services across Lending, Payments, Treasury & Capital Markets and Universal Banking (Retail, Digital, and Commercial Banking) for banks to support direct banking relationships and grow through indirect channels, such as embedded finance and Banking as a Service.
Our people are our greatest asset. Our open culture champions diversity, equity and inclusion and offers skills-based learning for relevant career growth. Our pioneering approach and commitment to open finance, open culture, and collaboration is why we are trusted by over 8,000 institutions, including 45 of the world’s top 50 banks.
NEOKRED
Neokred is a leading fintech company specializing in embedded finance, fraud prevention, and financial infrastructure solutions. Focused on simplifying complex financial processes, Neokred enables businesses to streamline operations, enhance security, and scale efficiently.
With expertise in digital payments, UPI, financial compliance, and risk management, Neokred collaborates with businesses across industries to create impactful and transparent financial ecosystems. Guided by innovation and a commitment to excellence, Neokred is driving the future of fintech by empowering organizations to navigate and thrive in the evolving financial landscape.
For More Information:
https://www.neokred.tech/
LenDenClub
LenDenClub is India’s largest RBI-registered (NBFC-P2P) Peer-to-Peer (P2P) lending platform. We connect lenders seeking high returns with creditworthy borrowers in need of short-term loans, bridging the gap left by traditional credit institutions. With over 2.5 crore users and ₹16,000 crore+ in loans disbursed, we command more than 50% of India’s P2P lending market. Our 4.4+ rating on the app store reflects our commitment to offering a trustworthy and secure lending experience. Powered by cutting-edge technology and a user-first approach, LenDenClub has been profitable for three consecutive years, setting new benchmarks in India’s evolving fintech ecosystem.
CRIF
CRIF India is one of India’s leading providers of Credit Information, Business Information, Analytics, Scoring, Credit Management, and Decisions Solutions. CRIF High Mark is one of the four RBI authorized credit bureaus in India which provide personal and business credit scores. With one of the largest databases of individuals and businesses from over 4000 financial institutions, CRIF High Mark provides credit information services for and supports millions of lending decisions every month. CRIF Scores have become the most trusted indicator for prudent decision-making by credit grantors. Banks/financial institutions obtain an abridged credit report and CRIF Score by making an inquiry on your profile/business while evaluating your loan application. CRIF India brings together the best of both worlds comprehensive data and sophisticated dedupe technology for India along with global best practices, expertise in scoring, and top-rated credit management software solutions to add most value to our clients.
Bureau
Bureau is a modern no-code fraud detection, and identity decisioning platform. It delivers accurate conclusions about the trustworthiness of digital identities to prevent fraud and ease compliance, resulting in seamless digital journeys for legitimate customers. The single AI-architected platform provides banks, fintechs, gaming, and gig economy companies with a complete range of fraud, risk and compliance solutions in over 100 markets globally.
Backed by leading global investors, including Quona Capital, Village global, Commerce Ventures, Okta (Nasdaq) , and GMO Payments (Tokyo), Bureau is headquartered in San Francisco, with a global presence in India, Southeast Asia, and the Middle east. Learn more at https://www.bureau.id/
ValueMomentum
ValueMomentum is a trusted technology services and solutions partner to financial services firms. With a strong track record of enabling Digital Transformation, the company helps banks and financial institutions leverage Data and AI for actionable insights and deliver seamless Digital Experiences. We also enable modernization through Cloud Enablement, Legacy System Transformation, Business Rules Engine (BRE) implementation, Integration and API Management, and end-to-end Managed QA Services powered with accelerators. With nearly 25 years of experience, our mid-sized IT services organization has empowered over 150 BFSI companies through tailored technology solutions, backed by a dedicated team of over 5ooo professionals
Manipal Payment and Identity Solutions Limited
Manipal Payment and Identity Solutions Limited Manipal Payment and Identity Solutions (MPi) provides comprehensive card services that cover the entire spectrum — creation, design, manufacturing, and delivery to the end customer. From personalized banking cards to premium quality collaterals with innovative packaging, we enable a unique customer experience for our partners and their customers.
1. Card Personalisation
2. Smart Packaging
3. Secure Logistics
4. Instant Issuance
DreamFolks
DreamFolks is India's largest airport services aggregator, facilitating an enhanced travel & lifestyle experience to customers, through its proprietary technology platform. A service provider for all the leading Card Networks and Issuers, DreamFolks began its journey over a decade ago and since then the company has transformed from being an airport lounge access aggregator to an end-to-end technology solutions provider for designing and delivering services that enhance the travel experience.
DreamFolks client portfolio comprises of top Banks, Card Networks, Airlines, OTAs, and Enterprises. DreamFolks technology platform enables end-users to access travel & lifestyle services via bank-issued credit & debit cards. The business model targets and integrates Clients at one end with various service providers at the other end. The brainchild of Liberatha Kallat, Chairperson & Managing Director at DreamFolks, the company ensures seamless journey for customers travelling from their homes to their final destinations through a wide range of services covering lounge access, meet & assist, airport transfers, golf, F&B, spa, transit hotels/nap rooms, travel SIM, visa services, highway F&B, healthcare, beauty & grooming, and more.
DreamFolks, the incubator of airport services industry in India, has a global presence extending to 3000+ touchpoints in 100+ countries across the globe.
EasyRewardz
EasyRewardz Delivering engaging & scalable solution for BFSI Financial institutions and banks now realize that loyalty programs are not just a tool to attract new customers but also a building block to nurture relationship with the customers. Unlike the old days where banking meant just monetary transactions between banks and customers. The modern era of banking is built upon not just a transactional relationship but also a personal and emotional relationship between the bank and its customers.
Finkeda
We at Finkeda are renowned for easy, reliable, instant digital banking services and unparalleled fintech solutions while assuring digital convenience in small towns and rural areas. Customers in remote areas can now effortlessly take advantage of a comprehensive range of digital banking and financial services just by visiting nearby Finkeda merchants. Our goal is to make every digital banking service easily accessible, secure, and even more convenient everywhere..
Nicobar
Nicobar In a world that often overlooks the magic of discovery, Nicobar remains open to simple serendipities: life’s happy accidents and those unexpected pops of whimsy that infuse a little wonder into every day. We’re not just a brand. We’re creating a modern Indian way of living, dressing, and looking at the world.
Loylty Rewardz
Loylty Rewardz is India’s largest Loyalty & Consumer Engagement company, driven by insights, technology, and passion. A wholly owned subsidiary of BillDesk, we are the only loyalty management company in India with a PCI-DSS and ISO 27001 certification. Our Enterprise-Wide Loyalty Solutions for leading banks enable 360° customer engagement. Using actionable insights to increase customer spending, drive cross-selling and upselling, and strengthen customer relationships, we help businesses unlock sustained growth—transforming engagement into long-term loyalty.