Future-ready Finance, Powered by AI
Cut onboarding times, modernize core systems & orchestrate payments with AI-driven compliance, fraud detection, and automation at scale.
Banking
Accelerate onboarding, modernize core systems, and boost efficiency with AI-driven fraud detection, cloud migration, and personalized digital banking journeys.
Payments
Enable real-time, cross-border, and embedded finance with payment orchestration, fraud prevention, and compliance automation that scale globally and securely.
Lending
Streamline lending with predictive analytics, intelligent automation, and BaaS stacks to speed mortgage processing, ensure compliance, and enhance borrower experience.
Secure, Scalable, and Flexible Financial Solutions
Our Services Playbook
We help you keep pace with rising customer expectations, complex regulations, and legacy constraints. Our solutions help BFSI companies launch faster, boost compliance, and scale beyond borders.
Product Engineering
Engineer secure, AI-powered financial products that launch faster, modernize legacy systems, and scale with agility across banking, lending, and payments.
Customer Experience
Deliver secure, intuitive, and hyper-personalized financial experiences that boost retention, customer lifetime value, and competitive advantage.
Agentic Automation
Automate KYC, compliance, payments, and lending with AI agents that adapt, scale securely, and drive measurable ROI in BFSI.
Cloud Services
Migrate core banking systems, modernize infrastructure, and enable scalable, compliant cloud-native platforms built for agility in BFSI.
Edge Tech
Reimagine BFSI with XR, IoT, and digital twins that power immersive onboarding, smarter operations, and next-gen financial experiences.
Data & AI Services
Turn financial data into predictive insights with AI-driven fraud detection, real-time risk scoring, and hyper-personalized banking services.
What We Do
- Banking
- Payments
- Lending
Customer Onboarding &
Digital Banking
Accelerate onboarding with BaaS, digital KYC/AML, and automation to enhance compliance, reduce risk, and deliver seamless digital banking.
Fraud Prevention &
Compliance
Protect with AI-driven fraud detection, real-time anomaly tracking, encryption, and zero-trust frameworks to ensure compliance and trust.
AI-driven
Modernization
Modernize core systems with cloud, containers, and serverless strategies to boost security, efficiency, and agility for next-gen banking.
Process Optimization
Cut processing times and costs with RPA, low-code, and automation to streamline workflows, scale operations, and drive banking innovation.
Customer Experience &
Personalization
Unify data and leverage AI for hyper-personalized, omnichannel journeys that increase retention, satisfaction, and customer lifetime value.
Open Banking Integration
Enable secure APIs compliant with PSD2, OpenAPI, and FDX to unlock revenue streams, partner ecosystems, and personalized financial products.
Real-time Payment Platforms
Deliver instant, secure, and compliant payments with faster processing and higher approval rates to improve cash flow and competitiveness.
Payment Orchestration & Gateway Development
Optimize payments by routing across providers with orchestration, APIs, and custom gateways for speed, reliability, and seamless UX.
AI-powered Fraud Prevention
Detect fraud in real time with AI, biometrics, and blockchain identity frameworks to secure data, ensure compliance, and build customer trust.
Automated Merchant Onboarding
Automate onboarding with streamlined KYC/AML workflows to reduce activation times, ensure compliance, and scale faster in dynamic markets.
Cross-border Payment Solutions
Leverage blockchain to cut costs, shorten settlements, and simplify regulatory hurdles, enabling fast, low-cost global transactions.
Closed-loop Payment Ecosystems
Build closed-loop ecosystems to lower fees, speed settlements, and deliver personalized payment experiences that drive customer loyalty.
Embedded Finance Solutions
Embed lending, insurance, and payment options into platforms to unlock new revenue, boost engagement, and meet evolving user expectations.
Compliance Automation for Regulatory Excellence
Automate reporting, auditing, and monitoring to meet PSD2, AMLD, and FATF standards, cut manual effort, and ensure regulatory integrity.
Compliance in Digital Banking
Secure compliance across global frameworks with streamlined processes and certifications to overcome hurdles and build strong foundations.
Proactive Servicing with Predictive Analytics
Use AI dashboards to detect early delinquencies, reduce risk, and improve borrower relations through proactive servicing strategies.
Leveraging BaaS Solutions
Adopt BaaS models for efficient, flexible lending operations, improving customer experience and enabling seamless payments and decisions.
Intelligent Automation for Mortgage Processing
Accelerate mortgage applications and underwriting with intelligent automation, cutting errors and reducing turnaround times significantly.
Low-code Solutions to Streamline Manual Processes
Use low-code platforms like Appian to automate workflows, boost efficiency, and accelerate mortgage operations without heavy dev work.
Advanced Fraud Prevention
Meet KYC/KYB with SaaS tools like Veriff and Fourthline, leveraging ethical AI to streamline checks, prevent fraud, and ensure compliance.
Unified Onboarding & Self-service for Lending
Unify onboarding and self-service portals to reduce overhead, improve transparency, and deliver a seamless digital lending experience.
Powered by our Incredible Partners
Success Stories
Leaders in banking, payments, and lending trust Ciklum to modernize legacy systems, launch innovative platforms, and drive measurable financial impact.
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