Fintech Software That Regulators And Users Both Trust
Payments, lending, wealth, and neobank platforms engineered for PCI, RBI, and SOC 2 realities — not demoware that collapses on the first audit.
Why Most Fintech
Projects Quietly Fail
Most fintech software doesn\'t fail because the tech is hard. It fails because nobody spent enough time with the people who\'ll actually use it, or took the regulations and integrations seriously early. We start there.
Compliance as an afterthought
KYC, AML, and audit trails retrofitted after launch — then a regulator shows up.
Reconciliation chaos
Ledger, gateway, and bank statements that never agree. Finance reconciles in Excel.
Fragile money flows
Payment flows without idempotency, retries, or dead-letter queues. One outage, real money lost.
What You Actually Get
No vague deliverables. Here's exactly what lands in your hands.
Roadmap & Plan
A written plan with milestones, owners, and risks — not slides.
Architecture / Design
Documented architecture, schemas, and design decisions you can defend to auditors.
Production Code
Reviewed, tested, deployed code in your repo — not "delivered" via zip.
Runbooks & Handover
How to run it, debug it, restore it. Your team owns it from day one.
Why Fintech Teams Choose Us
Specifics, not adjectives. Here's what makes this engagement different from the generic agency you tried last time.
Domain-literate
We read your regulations, walk your floors, and interview your users before designing.
Senior engineers only
No juniors hidden behind a charming PM. The person on the call is the person doing the work.
Written plan first
Every engagement starts with a documented plan you sign off on. No surprise pivots.
Compliance-aware
Audit logs, access controls, and data residency designed in — not bolted on before the audit.
Real-time visibility
Live dashboard with tasks, logs, and decisions. You're never out of the loop.
After-launch support
30-day stabilization included. We don't vanish at handover.
You See Everything. In Real Time.
Every Pillai Infotech project comes with a dedicated client dashboard. Kanban boards, live logs, test results, meeting notes — it's all visible the moment it happens. No status-report theatre, no "we'll get back to you", no surprises at the demo. You work with us like you work with your own team.
Kanban Board, Live
Every epic, every story, every task — visible on your dashboard. Drag, comment, reprioritize. It's the same board our team works from.
Documented Everything
Every decision, spec, API contract, and architecture diagram lives in the dashboard. Searchable, versioned, linked to the tasks they shaped.
Live Logs & Test Results
Build logs, deployment logs, test suite results — streamed to your dashboard the moment they run. You never have to ask "did the build pass?"
Meetings → Tasks, Automatically
Every meeting is recorded, transcribed, and every action point is auto-converted into a tracked task assigned to the right person. Nothing gets lost between calls.
Sprint Burndown & Velocity
See exactly how much work is done, how much remains, and our velocity over time. If a sprint is slipping, you see it the same moment we do.
Comment, Approve, Decide — In-Place
Comment on any task, approve designs, sign off on specs, and raise blockers directly in the dashboard. Everything tied to the work, not buried in email threads.
What We Build For Fintech
The most common shapes our fintech engagements take. Yours is probably similar — and if it isn't, we'll tell you.
💳 Payment Platforms
UPI, cards, wallets, and bank rails stitched into a single idempotent ledger.
🏦 Neobank & Wallet Apps
Consumer and SMB banking apps with KYC, onboarding, and card issuance flows.
📈 Lending & Credit
Origination, underwriting, disbursal, and collections — with full audit history.
💼 Wealth & Broking
Portfolio, trading, and robo-advisory platforms with market-data integrations.
🛡️ Fraud & Risk
Rules + ML scoring for transactions, logins, and account openings.
🧾 Regtech & Reporting
Automated regulatory reports, suspicious-activity flags, and audit exports.
Tools We Reach For
We pick stacks based on what your team can run and what your regulators will accept, not on what's trending on Hacker News.
Backend
Frontend
Cloud
Data
How We Run The Work
Six steps. Documented at each step. You see what's happening at every stage — no black boxes.
Discover
Goals, users, regulators, integrations. We ask the questions your last vendor didn't.
Design
Architecture, schemas, and UX decided on paper — and signed off — before code.
Build
Sprints with daily progress on the dashboard. No silent weeks.
Test
Unit, integration, and user testing — caught here, not in production.
Launch
Staged rollouts with rollback paths. Nothing big-bang.
Evolve
Stabilization, metrics, and a handover plan your team can run.
How We Engage
Three engagement models, picked by what fits the work — not what fits our sales quota.
Fixed Scope
Defined deliverables, defined budget, milestone payments.
- Best for tightly-defined projects
- Written scope and SoW
- Milestone-based payments
- 30-day post-launch warranty
Dedicated Team
A senior team embedded in your sprints. Scales up and down as you need.
- Best for evolving products
- Dedicated engineers + PM
- Monthly billing, sprint cadence
- Scale team size on 30-day notice
Staff Augmentation
Senior engineers integrated directly into your existing team and workflow.
- Best for in-house teams that need depth
- Engineers in your standups
- Reports to your tech leads
- Hourly or monthly rates
Questions You Should Ask
The questions every smart buyer asks before signing. Here's what we tell them.
Do you understand RBI / PCI DSS / SOC 2 requirements?
Yes. We've shipped products that have passed PCI DSS audits, RBI inspections, and SOC 2 Type II. Compliance is designed in from week one, not patched at the end.
Can you integrate with payment gateways and bank APIs?
Razorpay, Cashfree, Stripe, PayU, HDFC, ICICI, Axis, SBI — we've integrated most of them, including UPI, IMPS, NEFT, and card rails. We handle webhooks idempotently so duplicates don't corrupt your ledger.
How do you handle KYC and AML?
We integrate with providers like Hyperverge, IDfy, Karza, or Onfido for document + liveness + PEP/sanctions checks, and we build the case-management UI your compliance team actually needs.
Who owns the code and the data?
You do. Full IP transfer on payment. Data stays in your cloud account or a region you choose — we never hold customer PII in our infrastructure.
How do you approach security?
Threat modeling at design time, static + dynamic scans in CI, secrets in a vault (never in code), audit logs for every privileged action, and penetration-test-ready from day one.
Can you support a regulator or auditor visit?
Yes. Every decision, change, and deployment is logged and traceable. We can produce the evidence auditors ask for without a fire drill.
How long does a typical fintech project take?
A production-grade first release usually runs 12–24 weeks depending on licensing, integrations, and compliance scope. We give you a written timeline before you commit.
Do you offer post-launch support?
30 days of stabilization is included. After that, most fintech clients move to a dedicated team because money systems need continuous care.