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Finance & Banking Solutions

Secure, Compliant Financial Technology for Modern Banking

The financial services industry is undergoing rapid digital transformation. Customers expect mobile banking, instant payments, and seamless digital experiences—while regulators demand strict compliance, security, and transparency.

FYXIN builds secure, compliant financial technology platforms for banks, NBFCs, microfinance institutions, and fintech companies—from core banking systems to digital lending platforms.

Industry Challenges

Financial institutions face unique challenges balancing innovation with security and compliance

Regulatory Compliance

  • RBI guidelines and regulations
  • KYC (Know Your Customer) requirements
  • AML (Anti-Money Laundering) compliance
  • PCI DSS for payment processing
  • Data localization requirements

Legacy System Limitations

  • Outdated core banking systems
  • Limited digital capabilities
  • Poor customer experience
  • High maintenance costs
  • Integration challenges

Customer Expectations

  • Mobile-first banking experience
  • Instant loan approvals
  • Real-time payments
  • 24/7 availability
  • Personalized services

Security & Fraud

  • Increasing cyber threats
  • Fraud detection and prevention
  • Data breaches and security
  • Identity theft
  • Transaction security

Our Financial Solutions

Comprehensive technology platforms for every aspect of modern financial services

Core Banking Systems

WHAT WE BUILD:

  • Account management (savings, current, deposits)
  • Transaction processing
  • Interest calculation and posting
  • Customer relationship management
  • Branch operations management
  • Teller operations
  • General ledger and accounting

FEATURES:

  • Multi-branch support
  • Multi-currency support
  • Real-time transaction processing
  • Automated reconciliation
  • Regulatory reporting
  • Audit trails

BUSINESS BENEFITS:

  • Modern, scalable platform
  • Improved operational efficiency
  • Better customer service
  • Reduced IT costs
  • Regulatory compliance


Loan Management Systems

WHAT WE BUILD:

  • Loan origination and application
  • Credit scoring and underwriting
  • Loan approval workflows
  • Disbursement management
  • Repayment tracking and collection
  • Collateral management
  • Loan portfolio management

FEATURES:

  • Automated credit decisioning
  • Risk-based pricing
  • Early warning systems
  • Collection optimization
  • NPL (Non-Performing Loan) management

BUSINESS BENEFITS:

  • 70% faster loan processing
  • 40% reduction in operational costs
  • Improved credit quality
  • Better portfolio management
  • Enhanced customer experience


Digital Banking Platforms

WHAT WE BUILD:

  • Mobile banking apps (iOS, Android)
  • Internet banking portals
  • Account management and statements
  • Fund transfers (NEFT, RTGS, IMPS, UPI)
  • Bill payments and recharges
  • Fixed deposits and investments
  • Loan applications

SECURITY FEATURES:

  • Multi-factor authentication (MFA)
  • Biometric authentication
  • Device binding
  • Transaction limits and alerts
  • Fraud detection algorithms

BUSINESS BENEFITS:

  • 24/7 customer service
  • Reduced branch traffic
  • Lower operational costs
  • Improved customer satisfaction
  • Competitive advantage


Payment Processing Systems

WHAT WE BUILD:

  • Payment gateway integration
  • UPI payment processing
  • Card payment processing
  • QR code payments
  • Merchant management
  • Settlement and reconciliation
  • Fraud detection and prevention

COMPLIANCE:

  • PCI DSS Level 1 compliance
  • RBI payment guidelines
  • Secure payment processing
  • Tokenization
  • 3D Secure authentication

BUSINESS BENEFITS:

  • Secure payment processing
  • Multiple payment methods
  • Real-time settlement
  • Reduced fraud losses
  • Regulatory compliance


Compliance & Risk Management

WHAT WE BUILD:

  • KYC verification and management
  • AML transaction monitoring
  • Suspicious activity reporting (SAR)
  • Regulatory reporting automation
  • Risk assessment and scoring
  • Compliance workflow management

FEATURES:

  • Automated KYC verification (Aadhaar, PAN)
  • Transaction pattern analysis
  • Watchlist screening
  • Audit trail and documentation
  • Regulatory report generation

BUSINESS BENEFITS:

  • 90% reduction in manual compliance work
  • Reduced regulatory risk
  • Faster customer onboarding
  • Automated reporting
  • Better audit readiness


Microfinance & NBFC Solutions

WHAT WE BUILD:

  • Group lending management
  • Field officer mobile apps
  • Collection management
  • Center meeting management
  • Member management
  • Loan tracking and reporting

MOBILE FEATURES:

  • Offline data collection
  • GPS-tagged collections
  • Biometric verification
  • Photo documentation
  • Real-time synchronization

BUSINESS BENEFITS:

  • Improved field productivity
  • Better collection efficiency
  • Reduced operational costs
  • Enhanced transparency
  • Scalable operations

Use Case

Case Study: Regional Microfinance Institution

CLIENT:

Microfinance institution, 50,000+ borrowers, ₹200 crore loan portfolio

CHALLENGE:

Manual loan processing (7 days), paper-based records, 15% collection efficiency

SOLUTION DELIVERED:

  • Cloud-based loan management system
  • Mobile app for field officers
  • Automated credit scoring
  • Digital loan application and approval
  • Collection tracking and optimization
  • Analytics dashboards

Results:

70% faster

loan processing (7 days to 2 days)

35% reduction

in operational costs

25% improvement

in collection efficiency

100% digital

loan records

₹7 crore

annual cost savings

3 new states

enabled expansion

Technology Stack

Secure, compliant technology platforms built with enterprise-grade tools

Frontend

React, Angular, React Native, Flutter

Backend

Java/Spring Boot, .NET Core, Node.js

Database

Oracle, SQL Server, PostgreSQL (encrypted)

Cloud

AWS, Azure (with data localization)

Security

AES-256 encryption, TLS 1.3, HSM for key management

Integration

Core banking APIs, payment gateways, KYC APIs

Compliance

PCI DSS, ISO 27001, SOC 2

Security & Compliance

Banking-grade security and regulatory compliance built into every solution

Security Architecture

  • Multi-layer security (network, application, data)
  • End-to-end encryption
  • Hardware security modules (HSM)
  • Intrusion detection and prevention
  • Regular security audits
  • Penetration testing
  • 24/7 security monitoring

Compliance Frameworks

  • RBI Guidelines: Core banking, payments, lending
  • PCI DSS: Payment card processing
  • KYC/AML: Customer verification, transaction monitoring
  • Data Privacy: GDPR, DPDP Act compliance
  • ISO 27001: Information security management
  • SOC 2 Type II: Security controls audit

Ready to Modernize Your Financial
Services?

Schedule a consultation with our financial technology specialists

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