Six Solutions
One Vision
Banking solutions that prioritize agility with security. From digital transformation to regulatory compliance, we've got you covered.
Neo-Banking Platform
TRANSFORM BANKING OPERATIONS WITH A DIGITAL-FIRST STACK
Our Neo-Banking stack enables banks to move beyond legacy systems and deliver modern, digital banking experiences: without disruptive migrations.
Key Capabilities
Cloud-Native & API-First Architecture
Designed for speed, resilience, and scale. Each service exposes secure APIs that integrate easily with third-party systems, partner ecosystems, and internal workflows.
Multi-Channel Access
Web, mobile, and agent-assisted interfaces enable customers to access banking services anytime, anywhere, with features that work even in low-connectivity environments.
Phygital Banking Experience
Support for both digital channels and assisted point-of-service journeys, helping banks deepen rural and semi-urban outreach.
Modular Services
Deploy only what you need: accounts, deposits, payments, cards, customer onboarding, and scale on demand as your business grows.
Business Benefits
Faster go-to-market for new products
Lower total cost of ownership (TCO) through reusable services
Efficient partner integration for fintech offerings
Payments & UPI Solutions
MODERNIZE PAYMENTS, ACCEPTANCE, AND DIGITAL TRANSACTIONS
Optimoney's Payments suite enables banks and partners to launch and manage comprehensive payment solutions that power today's digital economy.
Capabilities
Branded UPI Issuance & Acceptance
Full support for UPI ID issuance, QR acceptance, soundbox POS, and payment routing under the bank's brand.
Merchant Onboarding & POS Tools
Digital merchant onboarding, QR generation, transaction settlement, and payout workflows.
Government & Enterprise Disbursements
Integration with direct benefit transfer (DBT), salary payroll, and vendor payouts.
Secure Settlement & Reconciliation
Automated payout files, settlement reporting, and exception handling with operational control dashboards.
Business Benefits
Increased transaction volume and revenue sharing
Broader merchant acceptance coverage
Reduced reconciliation overhead
Lending Automation
ACCELERATE CUSTOMER ACQUISITION AND CREDIT DELIVERY
We help banks streamline onboarding and lending journeys (from KYC to disbursement) with digital, compliant workflows.
Key Capabilities
Paperless eKYC & Video KYC
Aadhaar-based eKYC, biometric validation, and secure video KYC for remote onboarding.
Customer Intelligence Profiles
Unified digital profiles combining behaviour, risk, and transactional data.
Easy Loan Processing
Decision engines for MSME, KCC, and retail loans with rule-based scoring and approvals.
Disbursement & Repayment Workflows
Seamless credit disbursal into accounts, UPI channels, and repayment schedules with digital mandates.
Business Benefits
Faster onboarding times
Higher loan conversion rates
Reduced leakages and manual errors
RegTech & Risk Intelligence Suite
EMBED COMPLIANCE AND RISK MONITORING INTO OPERATIONS
Our RegTech stack helps financial institutions stay ahead of evolving regulatory requirements and combat financial crime with intelligence-driven automation.
Capabilities
Transaction Monitoring Engine
Behavioural analysis, anomaly detection, segmentation, and alert prioritization.
Threshold Tuning & TAT Improvement
Easy to use simulators for threshold tuning & tweaking rule based engines to reduce false positives.
Automated Regulatory Reporting
Pre-built templates, schedule automation, and audit trails for regulatory submissions.
Risk Dashboards & Alerts
Visual risk scorecards, intelligence panels, and compliance tracking at multiple levels.
Business Benefits
Reduced false positives
Stronger AML and KYC controls
Lower compliance costs
Data Platform & Analytics
UNLOCK INSIGHTS WITH UNIFIED DATA AND PREDICTIVE INTELLIGENCE
Our data solutions turn operational data into actionable insights for product teams, risk officers, and business leaders.
Key Capabilities
Data Warehouse & BI Tools
Centralized repository, visual dashboards, and self-serve analytics for business intelligence.
Predictive Models
Credit scoring, churn analysis, and propensity models for targeted campaigns and risk assessment.
Custom Reporting Studio
Drag-and-drop report builder with export, scheduling, and share capabilities.
Business Benefits
Better decision-making from real-time data
More effective cross-sell and retention campaigns
Deep insights into customer behaviour
Support, Managed Services & DevOps
RELIABLE OPERATIONS AND OPTIMIZED PERFORMANCE
We provide operations, support, and managed services tailored to financial institutions.
Capabilities
24×7 Support & Uptime SLAs
Dedicated support teams, incident management, and performance monitoring.
DevOps & CI/CD Pipelines
Automated deployment, environment replication, and rollback mechanisms.
Security & Infrastructure Management
Hardened environments, automated patching, and role-based access control.
Business Benefits
99.99% Guaranteed uptime and faster incident resolution
Predictable operational costs through managed services
Compliance-ready security posture with continuous audits
Technology built by bankers,
for banking.
Every solution in our portfolio carries 50+ years of industry wisdom, engineered for tomorrow. We don't just build software; we architect the future of financial services.
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