Banking and Payments

Production Systems for Indian Banking and Fintech

India's payment ecosystem will process over $10 trillion in digital transactions by 2026. The infrastructure supporting that volume faces simultaneous pressure on scale, fraud, and compliance. RBI Digital Lending Guidelines, SEBI cybersecurity circulars, and DPDP consent requirements are changing what banks and fintechs must build — not just what they should.

ITMTB builds and operates production systems for Indian banking and fintech — from tech stack audits for platforms processing millions of daily transactions to AI agents for fraud detection and compliance automation, aligned with RBI and SEBI requirements.

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Selected work in banking and payments

a fintech running a customer-facing investment platform with an in-house team

Improving Technology Operations for a Fintech: From Frequent Crashes to Measured, Compliant Releases

Failure monitoring across every component, prioritised remediation, cancelled migrations, and a quality framework — recurring issues down ~98% in two months

High-Growth Fintech Payments Company processing 1M+ transactions per 15 hours

Comprehensive Fintech Audit Unveiled: Mastering Complex Tech Stacks for Strategic Excellence

Full technology audit delivered in one week — actionable recommendations tied to growth roadmap and KPIs

Fintech Portfolio — Legacy Brokerage and Emerging Startups

Digitally Transforming Legacy and Startup Fintechs: A Journey Towards Innovation

3 of 5 KPIs met or exceeded post-implementation across fintech partners

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Clients we've worked with

Landscape and Opportunities

$10 trillion India's digital payments market projected by 2026 — infrastructure at that scale demands reliability, not just speed.
35% of Indian users have experienced payment-related fraud, making AI-driven detection a compliance and commercial necessity.
5% average digital transaction failure rate (UPI) per RBI — a direct cost on every provider running legacy back-end systems.

Technology as a Catalyst for Change

AI Agents for Fraud and Risk Detection

Compliance Automation — RBI, SEBI, DPDP

Payment Platform Modernisation

Technical Due Diligence for Fintech Investment

Why ITMTB for Banking and Payments?

We have audited tech stacks for Indian fintechs processing over one million transactions daily, built portfolio analytics platforms for capital markets firms serving a new generation of investors, and delivered transaction integrity systems for digital payment infrastructure. Engagements are designed for RBI Digital Lending Guidelines, SEBI cybersecurity circulars, and DPDP consent architecture from the outset.

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How an engagement works

No open-ended retainers. Every engagement starts with a bounded, fixed-price discovery.

Discovery sprint

2 weeks, fixed price. We scope the problem, audit your data, and produce a written roadmap, cost estimate, and risk register. You decide whether to proceed — no commitment beyond the sprint.

Build

Fixed-scope first phase or time-and-materials with a cap. Production-grade code, not a prototype. Delivered into your cloud environment with tests, monitoring, and handoff documentation.

Operate

4–8 week warranty period post-handoff. Bugs and regressions fixed at zero cost. Ongoing ops available — we don't disappear after delivery.

Full methodology and engagement shapes →