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Industry Solutions

FinTech Apps & Banking Platforms

Money-movement systems built to bank-grade standards — real-time rails, risk scoring you can explain, and compliance designed in rather than bolted on.

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DAWKI / FINTECH PLATFORMSSample app

Built for your business

Software That Moves Money Securely, Compliantly, in Real Time

From a Series-A neo-bank to a Tier-1 acquirer — we ship fintech tech that lifts approval rates, cuts fraud, and clears regulator audits without a sweat.

  • Real-Time Payment Rails

    Stripe, Adyen, Razorpay, UPI, ACH, FedNow and SEPA Instant orchestration.

    • Cards, bank rails and instant transfer
    • Retry, fail-over and smart 3-D Secure
    • One integration, many processors
    Learn moreRouted per payment on speed, cost and what is actually up right now — and it fails over to the next rail on its own

  • Fraud & Risk Scoring

    Low-latency scoring per transaction with explainable risk reasoning.

    • Scored inside the authorisation call
    • Rules and model together, not either
    • Reasons attached to every decision
    Learn moreEvery score carries the reasons behind it, and a person owns every decline — the model never turns a customer away on its own

  • KYC / KYB / AML

    Onfido, Persona, ComplyAdvantage and Sumsub onboarding flows that pass review.

    • Document, liveness, sanctions and PEP
    • Step-up only when the risk earns it
    • Evidence packaged for the reviewer
    Learn more

  • Open Banking

    Plaid, Yodlee, MX, TrueLayer and Tink for aggregated account and transaction data.

    • Accounts, balances and transactions
    • Categorisation and cashflow
    • Adapters, so aggregators stay swappable
    Learn moreBalances, transactions and cashflow pulled through one adapter layer, so swapping an aggregator does not mean rewriting the product

  • Trading & Wealth APIs

    Brokerage, robo-advisory, custody and fractional shares across asset classes.

    • Brokerage, custody and fractional
    • Goal portfolios and glide-path drift
    • Statements and tax reporting
    Learn moreNothing trades until the drift crosses the band, so a portfolio is not churned — and every rebalance is recorded with the reason it fired

  • Compliance & Audit Trails

    Access controls, transaction logs and reporting workflows aligned to the agreed financial-product requirements.

    • Role-based access, least privilege
    • Append-only logs of every action
    • Reporting built from the same log
    Learn moreLeast privilege by default, every change written to an append-only log, and the reports a reviewer asks for produced from that same log

What we deliver

Explore Our Range of FinTech Services

Start with the capabilities you need today. We define the scope, integrations, and acceptance criteria together before delivery begins.

  • Neo-Bank & Mobile Banking

    Account opening, debit cards, ledger, transfers, savings pots, and AI insights — bank-grade in the pocket.

    Enquire about this

  • Payment Gateways & Orchestration

    Multi-PSP routing, retry logic, smart 3DS, currency conversion, dispute & chargeback automation.

    Enquire about this

  • Lending & BNPL Platforms

    Underwriting, e-KYC, e-sign, instant disbursal, EMI ledger, collections, AI credit-scoring models.

    Enquire about this

  • Trading & Brokerage Apps

    Order management, market-data ingestion, sub-second execution, portfolio + tax reports.

    Enquire about this

  • Wealth & Robo-Advisors

    Goal-based portfolios, glide-path rebalancing, Monte Carlo planners, AI advisor chat.

    Enquire about this

  • KYC / KYB / AML Engines

    Onfido, Persona, Sumsub, ComplyAdvantage adapters — modular SCA + step-up + sanction-screen flows.

    Enquire about this

  • AI Fraud & Risk Scoring

    Real-time scoring, explainable reasons, rules + ML hybrid, fraud-ops case-management UI.

    Enquire about this

  • Open Banking Aggregation

    Plaid, Yodlee, MX, TrueLayer, Tink — unified account + balance + cashflow + categorisation.

    Enquire about this

  • Crypto & Custody

    Wallet infra, KMS / HSM, on-ramp / off-ramp, Travel Rule, multi-sig, on-chain analytics.

    Enquire about this

  • Insurance & InsurTech

    Quote-bind-issue, embedded insurance, claims, fraud detection on imagery, telematics.

    Enquire about this

  • B2B Finance & Treasury

    Spend management, AP / AR automation, virtual cards, real-time treasury dashboards.

    Enquire about this

  • Compliance & Reg-Reporting

    Security controls, reporting workflows and audit trails designed around the requirements identified for your financial product.

    Enquire about this

From brief to delivery

A clear path from the first conversation.

A practical process with agreed milestones, regular reviews, and a handover your team can use.

  1. Step 01

    Discovery

    Map your money-flow + license posture + risk appetite + target geographies + integration points.

  2. Step 02

    Architecture

    Ledger design, settlement engine, AI risk pipeline, KYC vendor map, regulator-ready audit logs.

  3. Step 03

    Build

    Iterative sprints with risk-team in the loop + chargeback tabletop drills + load tests at peak.

  4. Step 04

    Launch & Operate

    Phased rollout by region, integration validation and monitoring, with ongoing support and model reviews defined in scope.

Tools of the trade

The right technology for the work.

We choose tools around your existing systems, requirements, and long-term maintenance needs. The final stack follows the project.

  • Stripe
  • Adyen
  • Razorpay
  • Plaid
  • Visa & Mastercard APIs
  • Onfido
  • Persona
  • ComplyAdvantage
  • Sift
  • Sardine
  • OpenAI
  • Claude
  • Hugging Face
  • AWS Bedrock
  • Snowflake
  • Bloomberg + Alpaca
  • PostgreSQL
  • Redis
  • Apache Kafka
  • Python
  • Node.js
  • React Native
  • Kubernetes
  • Okta
  • Grafana

Your next step

Request a free consultation

A few details help us understand your goals and come prepared. Fields marked * are required.

How we use your details. We collect only what you enter here — your name, mobile number and email, and your company, budget and message if you add them — to reply to this enquiry, prepare a proposal and follow up about it by phone, email or WhatsApp. We don’t sell your data or use it for anything else. You can withdraw consent, or ask to see, correct or erase your data, at any time by emailing info@dawkiinfotech.com; if we don’t resolve a concern, you can complain to the Data Protection Board of India. Full details in our Privacy Policy.

Before we begin

Your questions, answered.

What to know about financial apps & fintech platforms, from project scope to ongoing support.

01Do you build for regulated banks or only fintech startups?

Both. We work with Tier-1 banks, BIN-sponsor neo-banks, fintech startups, payment networks, and crypto exchanges. Our compliance + audit posture is bank-grade by default.

02Do you handle payments + multi-PSP orchestration?

Yes — Stripe, Adyen, Razorpay, Worldpay, Cybersource, Authorize.Net, plus card networks (Visa, MC) and ACH / FedNow / SEPA Instant / UPI / FPS. Smart routing + retry + 3DS step-up included.

03Do you build AI fraud scoring or only integrate vendors?

Both. We integrate Sift, Sardine, Riskified, Forter, Ravelin where it fits — and we build custom scoring engines for clients with proprietary signals.

04Can you handle KYC / KYB / AML for global onboarding?

Yes — Onfido, Persona, Sumsub, ComplyAdvantage, Veriff, plus government databases (Aadhaar, SSN, GOV.UK Verify). Full audit-trail + adverse-media monitoring.

05Are you PCI-DSS / SOC 2 / ISO 27001 compliant?

We identify the security, privacy and industry requirements relevant to your project during discovery. The scope can include access controls, encryption, audit trails, testing and evidence for your review. Specific certifications, legal obligations and independent assessments must be confirmed for the individual engagement.

06Can you build for crypto + traditional finance together?

Yes — wallet infra, KMS / HSM custody, Travel Rule, on-ramp / off-ramp, on-chain analytics, plus traditional ledger + brokerage in the same platform.

07How long does a fintech build take?

A focused module (e.g. payment gateway or KYC flow) launches in 8–14 weeks. A full neo-bank or brokerage platform typically launches in 6–11 months.

08Do you offer 24/7 fraud-ops + on-call engineering?

Monitoring, incident response and on-call support can be included in an agreed support plan. Coverage hours, escalation routes and response commitments are defined in the proposal and service agreement.

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A conversation is a good start

Let's talk about financial apps & fintech platforms.

Tell us what you want to build or improve. We will help clarify the scope, the approach, and the next step.

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