Digital KYC
Integrations with supported KYC and verification providers.
Industry Products · Fintech Platform
Fintech Platform Development for Secure Digital Finance Experiences
Secure, scalable software for payments, wallets, lending, collections and financial dashboards, built with strong security and compliance-ready workflows.
We help fintech startups, NBFCs, cooperatives and financial service providers build digital products that are easy for customers to use and reliable for operations teams.
Our approach prioritizes security, auditability and integration with regulated partners such as payment gateways, banks, KYC providers and credit bureaus where applicable.
- Wallets & Payment Flows
- Lending & Collections
- KYC & Secure Onboarding
- Security & Audit Trails
01Free product demo
Let's Launch Your Fintech Business
Share your idea, target market and must-have features. Our team will walk you through the platform and suggest the right customization plan for your launch.
- Live walkthrough of the apps
- Feature and integration recommendations
- Estimated scope and timeline
02Fintech apps & panels
One platform, every app you need.
Each role gets a purpose-built experience, all connected to a single backend and admin dashboard.
Service 01 / 3
Customer App
Simple, secure financial journeys.
Key features:
- Digital onboarding and KYC
- Wallet and payments
- Loan application and tracking
- EMI schedules and repayments
- Transaction history
- Statements and receipts
- Secure login and alerts
Service 02 / 3
Lending & Operations
Tools for credit and operations teams.
Key features:
- Loan origination workflow
- Document verification
- Credit rules engine
- Disbursement tracking
- Collections and reminders
- Agent field app
- Case notes and approvals
Service 03 / 3
Admin & Compliance
Control, visibility and audit readiness.
Key features:
- User and role management
- Transaction monitoring
- Limits and fee rules
- Audit logs
- Reconciliation reports
- Regulatory report exports
- Partner integrations
A smooth journey from start to finish.
- 1
Onboard
Customers sign up and complete KYC digitally.
- 2
Verify
Identity and documents are verified through approved providers.
- 3
Transact
They pay, transfer, invest or apply for credit.
- 4
Monitor
Transactions are monitored with rules and alerts.
- 5
Report
Statements, reconciliation and audit reports are generated.
04Advanced features
Built for real-world operations.
Features that help you run the business day to day, all configurable to your workflows.
Wallets & Ledgers
Double-entry ledgers with accurate balances.
Loan Management
Origination, EMI, interest calculation and collections.
Payment Integrations
UPI, cards, net banking and payouts via licensed partners.
Security Controls
Encryption, MFA, device binding and session controls.
Audit Trails
Immutable logs for actions and approvals.
Savings & Investments
Goal-based savings and portfolio dashboards via partners.
Risk & Business Reports
Portfolio quality, collections and growth metrics.
05AI-powered capabilities
Smarter operations with AI.
Optional AI features can help automate routine work and surface useful insights, with your team staying in control of important decisions.
AI + human oversight- Credit risk scoring support using approved data sources
- Transaction anomaly and fraud pattern detection
- Collections prioritization and reminder timing
- Document data extraction for KYC review
- AI assistant for account and repayment queries
- Spending insights and categorization
- AI outputs depend on data quality and should be reviewed where accuracy, customer commitments or sensitive information matter.
06Business & revenue models
Multiple ways to grow revenue.
Configure the models that fit your market. Results depend on your audience, pricing, operations and marketing.
Transaction Fees
Fees on payments, transfers or payouts.
Interest Income
Lending margins through compliant structures.
Premium Plans
Paid features for power users or businesses.
B2B SaaS
License your platform to other institutions.
Partner Referrals
Commissions on financial products distributed.
Built for businesses like yours.
- Fintech startups
- NBFCs and microfinance institutions
- Cooperative banks and societies
- Payment service providers
- Insurance and investment platforms
- Enterprises with internal finance tools
Technology stack
- Next.js
- React
- TypeScript
- Tailwind CSS
- Flutter
- React Native
- Kotlin
- Swift
- Node.js
- Laravel
- Python
- REST & GraphQL
- AWS
- Google Cloud
- MySQL
- PostgreSQL
- Redis
- Payment gateways
- Maps & location
- SMS, email & WhatsApp
- Analytics
From demo to launch in six steps.
- Step 1
Discovery & Demo
We understand your business model, audience and must-have features, and walk you through the platform.
- Step 2
Customization Plan
We define the modules, integrations, branding, timeline and scope in a clear proposal.
- Step 3
Branding & Design
Your logo, colours and screens are applied across customer, partner and admin apps.
- Step 4
Development & Integrations
We build custom features and connect payments, maps, messaging and other services.
- Step 5
Testing & Launch
Functional, device and performance testing, followed by deployment and app store submission.
- Step 6
Support & Growth
Monitoring, updates, enhancements and new features as your business grows.
A proven foundation, tailored to you.
11 Years of Industry Experience
We bring a decade of software, mobile and digital marketing experience to every product launch.
Faster Time to Market
Start from a proven foundation instead of building every module from scratch.
Fully Customizable
Adapt workflows, features, integrations and design to your business model.
White-Label Branding
Launch under your own brand name, domain and app store accounts.
Scalable Architecture
Cloud-ready infrastructure planned for growth in users and transactions.
Post-Launch Support
Maintenance, updates and enhancements through agreed support plans.
Fintech questions, answered.
Have a specific requirement? Let's discuss it on a quick call.
Request a Free DemoDo you build regulated financial products?
We build the technology. Licences, regulatory approvals and compliance obligations remain with the business or its regulated partners.
How do you approach security?
We apply secure architecture, encryption, MFA, role-based access, audit logs and security testing appropriate to the project.
Can you integrate KYC and payment providers?
Yes. We integrate supported KYC, payment, banking and credit bureau APIs based on your agreements with those providers.
Can you build a loan management system?
Yes. Origination, underwriting workflows, EMI schedules, collections and reporting can be included.
Is AI used for credit decisions?
AI can support risk insights, but credit policies and final decisions should follow your approved processes and applicable regulations.
Can the platform scale with transaction volume?
Yes. We plan the architecture, database design and hosting to handle growth with monitoring in place.
Ready to Launch Your Fintech Platform?
Get a branded, customizable fintech platform with the apps, admin tools and integrations your business needs, backed by a team that supports you after launch.
Prefer email? Write to info@shineing.digital