Technology and Security for Fintech
Ship like a startup, operate like a bank.
Fintech companies live with a tension that most software businesses never feel: the product must change every week to compete, and it must never fail in a way that touches customer money or regulated data. Payment processors, lending platforms, wealth apps and neobanks all need engineering that moves quickly inside a control framework that regulators, banking partners and auditors will accept.
We work with fintech teams at both ends of that tension. On the delivery side we build CI/CD pipelines with the approvals, evidence and rollback paths that a change-management policy requires. On the assurance side we run penetration tests, embed security scanning into every build and prepare the documentation that RBI-regulated partners and PCI DSS assessors ask for. The same team handles both, so security is not a separate department slowing delivery down.
What Fintech Teams Are Up Against
The problems below come up in almost every fintech engagement we take on. Recognising them early is most of the work of solving them.
Regulatory expectations from several directions
RBI guidelines for regulated entities and their outsourcing partners, PCI DSS for card data, SEBI requirements for market intermediaries and the Digital Personal Data Protection Act all apply to different parts of the same product. Each brings its own audit evidence.
Payment data localisation and segregation
Payment system data must be stored in India, and card data must be isolated from the rest of the platform. Architecture decisions made early determine whether this is simple or a rebuild.
Fraud and account takeover
Fintech applications are attacked constantly: credential stuffing, OTP interception, API abuse and business-logic fraud such as manipulating limits or fees. Standard scanners do not find logic flaws.
Partner and auditor due diligence
Banks, NBFCs and payment networks require security questionnaires, penetration test reports and policy evidence before integration. Missing paperwork delays go-live by months.
Release velocity under change control
Daily releases and a formal change process are compatible only when the pipeline itself produces the approvals, test evidence and audit trail.
How We Help
Each of these maps to one of our services, delivered by the same team so nothing falls between vendors.
DevSecOps pipelines with built-in evidence
Every build runs SAST, dependency and container scanning, secret detection and policy checks, with results stored as audit evidence. Blocking rules match your risk appetite and your partners’ requirements.
Penetration testing that covers business logic
Manual testing of authentication, KYC flows, transaction limits, API authorisation and mobile app hardening, reported in the format partner banks and PCI assessors expect, with a free retest.
PCI DSS, ISO 27001 and RBI readiness
Scope definition, cardholder data environment segmentation, policy sets, control implementation and evidence collection, plus support during the QSA or certification audit.
Resilient infrastructure with data residency
Multi-availability-zone deployments in Indian cloud regions, encrypted storage, key management, disaster recovery drills and monitoring that meets uptime commitments to partners.
AI for support, onboarding and risk
Document extraction for KYC, support assistants grounded in your policies, and transaction-classification models, all deployed with access controls and audit logging.
Typical Engagements
- Pre-integration security assessment demanded by a partner bank, including VAPT and policy review
- PCI DSS scope reduction and segmentation for a payments platform
- CI/CD rebuild with change-management evidence for an NBFC lending product
- Mobile app penetration test before a public launch
- Ongoing DevSecOps and quarterly testing as a managed service
Fintech Questions, Answered
Can you help us pass a partner bank’s security due diligence?
Yes. We review the questionnaire, run the penetration test and gap analysis, produce or update the policies they expect, and package the evidence. Most delays come from missing documents rather than missing controls.
Do you provide a PCI DSS certificate?
Certification is issued by a Qualified Security Assessor or through a self-assessment questionnaire depending on your transaction volume. We prepare you for either, implement the controls and support the assessment; we do not act as the assessor.
How do you handle production data during testing?
Testing runs on staging with synthetic data wherever possible. Where production access is unavoidable it is scoped in writing, limited to agreed windows and never involves exporting customer data.
Can our developers keep releasing daily during an audit?
That is the goal of the pipeline design. Automated evidence means the audit reviews what the pipeline already records instead of freezing releases.
Tell us about your Fintech project
Share what you are building or what an auditor, partner or customer is asking for. We reply within 24 hours with a clear next step.