Fig 3.0Industries · Fintech & BFSI
Fintech & BFSIFinancial products with the business model worked out before the code.
Financial products fail on unit economics more often than on technology. Our work in fintech starts with the model: who pays, who earns, what the regulator allows, what the float costs. Then we build: onboarding and KYC flows, payments, ledgers, agent networks and the reporting that compliance teams need.
Our experience
Business model, investor presentation and agreements for MeraDhan, a savings platform for rural India. Payments, wallets and invoicing in Aapka, a consumer platform in production.
Fig 3.1The hard parts
What makes fintech and BFSI different.
- 01
Agent and distributor networks that handle cash in places UPI has not reached
- 02
KYC, custody and regulatory structures that decide what the product can be
- 03
Unit economics that only work at a scale that takes years
- 04
Trust: users who have been burned before
Fig 3.2What we build
Solutions that fit the sector.
- 01
Business modelling
Monthly plans, channel economics, scenario analysis and an investor-ready deck built on the same workbook.
- 02
Onboarding and KYC
Mobile-first flows with document capture, video KYC and fallbacks for low connectivity.
- 03
Ledgers and payments
Double-entry ledgers, UPI and card integration, reconciliation and settlement reports.
- 04
Agent apps
Field-agent apps with commission tracking, cash handling controls and offline capture.
Fig 3.3Relevant
Products and services for fintech and BFSI.
Products
Services
- AI/ML & MLOps
Models trained, deployed and watched: pipelines, feature stores, drift and retraining.
- Mobile apps
Flutter apps for Android and iOS, built for low-end phones and patchy networks.
- Web platforms
Next.js and React front ends, APIs and admin consoles. We also modernise PHP and Java estates.
- Product strategy
Discovery, BRD and PRD, business models and investor-ready plans before a line of code.
Fig 3.4Questions
Asked often.
Are you a regulated entity?
No. We build technology and prepare plans; our clients hold the licences. We work with their counsel on what the product may do.
Fig 3.5Other sectors
Also working in.
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