Trusted by leading banks globally
AI Platform for
AI Platform for
Intelligent Banking
Intelligent Banking
Configure, automate and launch digital banking journeys, AI-driven decisioning, and financial products on a composable banking platform.
Configure, automate and launch digital banking journeys, AI-driven decisioning, and financial products on a composable banking platform.
Trusted by 35+ Leading Financial Institutions
Trusted by 35+ Leading Financial Institutions
Powering Digital Banking at Scale
Measurable outcomes for financial institutions worldwide.
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APIs Available
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APIs Available
+
Ecosystem Partners
+
Ecosystem Partners
+
Integrations
+
Integrations
M+
Accounts Activated
M+
Accounts Activated
M+
Transactions Annually
M+
Transactions Annually
M+
Requests Served
M+
Requests Served
K+
Daily Account Openings
K+
Daily Account Openings
.9%
Platform Uptime
.9%
Platform Uptime
+
APIs Available
M+
Accounts Activated
K+
Daily Account Openings
+
Ecosystem Partners
M+
Transactions Annually
.9%
Platform Uptime
+
Integrations
M+
Requests Served
Platform Architecture
The Digital Banking Stack for the AI Era
A future-ready operating layer designed for banks that need speed, flexibility, and control. Our five-layer architecture combines experience, orchestration, decisioning, integrations, and ecosystem capabilities into a single, composable platform.
Experience Layer
vDesigner
Vibe and Visual App Designer | DIY and Assisted | Mobile and Web
Create new experiences just by describing what you need, the power of Vibe. When it comes to making very specific changes the Visual Designer does the job effectively
Orchestration Layer
Decision Layer
Integration Layer
Data Layer
Experience Layer
vDesigner
Vibe and Visual App Designer | DIY and Assisted | Mobile and Web
Create new experiences just by describing what you need, the power of Vibe. When it comes to making very specific changes the Visual Designer does the job effectively
Orchestration Layer
Decision Layer
Integration Layer
Data Layer
PLATFORM CAPABILITIES
Decide. Integrate. Build.
Powering decisioning, integrations, and AI-driven configuration across every workflow, journey, and system.
GateX - AI Decision Engine
Real-time, explainable decisioning for credit, onboarding, and risk.
What It Does
Automate eligibility & credit decisions
Combine rules, AI, and data signals
Deliver real-time explainable outcomes
Enable business-owned policy control
Key Capabilities
No-code policy builder
Hybrid rules + AI decisioning
Pre-built indicator framework
Scenario testing & simulation
Use Cases
Retail & SME loan underwriting
Instant credit flow
CASA onboarding
Risk scoring and fraud detection
FTR and gatekeeping frameworks
What You Achieve
2–5x faster decisions
Higher approval accuracy
Improved STP / FTR
Full auditability
vHub – Integration Intelligence
Governed, observable execution across every integration and partner ecosystem.
Vibe - AI Across the Platform
Build, configure, and optimize applications using natural language.
vHub -
Integration Intelligence
Governed, observable execution across every integration and partner ecosystem.
GateX -
AI Decision Engine
Real-time, explainable decisioning for credit, onboarding, and risk.
vIbe -
AI Across the Platform
Build, configure, and optimize applications using natural language.
Global Presence
Global Presence
Serving Financial Institutions Worldwide
Global
Delivering scalable digital banking and lending infrastructure across key global markets and financial ecosystems.
India
UAE
Saudi Arabia
United States
Southeast Asia
Global
Delivering scalable digital banking and lending infrastructure across key global markets and financial ecosystems.
India
UAE
Saudi Arabia
United States
Philippines
Southeast Asia
Global
Delivering scalable digital banking and lending infrastructure across key global markets and financial ecosystems.
India
UAE
Saudi Arabia
United States
Southeast Asia
Product & Solutions range
Product & Solutions range
Build Faster. Deliver Smarter. Scale Without Friction.
Purpose-built solutions powered by vSuite empower industries to move faster, automate smarter, reduce operational errors, and deliver seamless digital experiences with enterprise-grade efficiency.
Retail Banking
SME Banking
Wholesale Banking
Insurance
Cross Industry
Customer Onboarding
Digital Lending
Video Banking
Lead Management
Credit Card
Retail Banking
SME Banking
Wholesale Banking
Insurance
Cross Industry
Customer Onboarding
Digital onboarding journeys with KYC, verification, and seamless account creation.
Onboard customers up to 80% faster
Increase conversion rates by 2–3×
Enable instant, fully digital account activation
Testimonials
Testimonials
What Our Clients Say
"Partnering with Decimal Technologies to develop our Video Banking solution has been fruitful for both customers and the bank. The Decimal team worked closely with us to launch a personalized Video Banking platform, enabling customers to connect face-to-face with video bankers from home. This secure, innovative platform enhanced customer experience and delivered substantial business outcomes."
Ahmer Hussain
National Business Head – Video Banking, Digital Bank AU0101
"Partnering with Decimal Technologies to develop our Video Banking solution has been fruitful for both customers and the bank. The Decimal team worked closely with us to launch a personalized Video Banking platform, enabling customers to connect face-to-face with video bankers from home. This secure, innovative platform enhanced customer experience and delivered substantial business outcomes."
Ahmer Hussain
National Business Head – Video Banking, Digital Bank AU0101
"At UGRO, our mission is 'Solve the Unsolved' Small Business Credit Needs. This Digital LOS tool built by our partner Decimal is aligned to this mission and tailor made to resolve loan disbursement related inefficiencies. We are confident this DLOS is going to take our problem-solving ability several notches higher and will create measurable impact in the SME ecosystem."
Shachindra Nath
Executive Chairman, U GRO Capital
"At UGRO, our mission is 'Solve the Unsolved' Small Business Credit Needs. This Digital LOS tool built by our partner Decimal is aligned to this mission and tailor made to resolve loan disbursement related inefficiencies. We are confident this DLOS is going to take our problem-solving ability several notches higher and will create measurable impact in the SME ecosystem."
Shachindra Nath
Executive Chairman, U GRO Capital
"Vahana Cloud shines with its simplicity, suitable for both coders and non-coders. Its user-friendly drag-and-drop interface is like building with Lego bricks. Its user-friendliness, rapid development, and dedicated support make it an invaluable tool."
Suresh Bathala
Head of Technology – Govt. Banking, Kotak Mahindra Bank
"Vahana Cloud shines with its simplicity, suitable for both coders and non-coders. Its user-friendly drag-and-drop interface is like building with Lego bricks. Its user-friendliness, rapid development, and dedicated support make it an invaluable tool."
Suresh Bathala
Head of Technology – Govt. Banking, Kotak Mahindra Bank
The implementation of the Vahana API Hub platform has been a key enabler for our digital transformation at Masar Alnumou Finance, providing a scalable, secure, and efficient integration layer across systems and partners. The team demonstrated strong professionalism, technical depth, and ownership, ensuring a smooth rollout. We consider Decimal a trusted partner in our digital journey
Salem Alabalhareth
Masar Alnumou Finance
The implementation of the Vahana API Hub platform has been a key enabler for our digital transformation at Masar Alnumou Finance, providing a scalable, secure, and efficient integration layer across systems and partners. The team demonstrated strong professionalism, technical depth, and ownership, ensuring a smooth rollout. We consider Decimal a trusted partner in our digital journey
Salem Alabalhareth
Masar Alnumou Finance
Enterprise trust
Enterprise trust
Enterprise Security & Compliance
Bank-grade security, compliance certifications, and governance built into every layer of the platform.
SOC 2 Type II
Service organization controls for security, availability, and confidentiality — independently audited.
Cloud & Infra Security
Cloud-native deployment with network isolation, DDoS protection, and continuous vulnerability scanning.
ISO 27001
International standard for information security management systems certification.
Data Security
AES-256 encryption at rest and TLS 1.3 in transit for all data across the platform.
OWASP practices
Application security aligned with OWASP standards to prevent common vulnerabilities and threats.
Transaction Security
End-to-end secure transaction processing with real-time fraud detection, monitoring, and tamper-proof audit trails.
SOC 2 Type II
Service organization controls for security, availability, and confidentiality — independently audited.
Cloud & Infra Security
Cloud-native deployment with network isolation, DDoS protection, and continuous vulnerability scanning.
ISO 27001
International standard for information security management systems certification.
Data Security
AES-256 encryption at rest and TLS 1.3 in transit for all data across the platform.
OWASP practices
Application security aligned with OWASP standards to prevent common vulnerabilities and threats.
Transaction Security
End-to-end secure transaction processing with real-time fraud detection, monitoring, and tamper-proof audit trails.
Insights & Resources
Insights & Resources
Latest from Our Blog
Stay ahead with insights on banking infrastructure, AI decisioning, digital lending, and fintech strategy.
FAQ
Frequently Asked Questions
Answers to common questions about banking infrastructure, digital lending, and AI decisioning platforms.
What is a banking infrastructure platform?
What is a digital lending platform?
What is loan decisioning automation?
What is embedded finance infrastructure?
What is a banking orchestration platform?
How does AI improve credit decisioning for banks?
FAQ
Frequently Asked Questions
Answers to common questions about banking infrastructure, digital lending, and AI decisioning platforms.
What is a banking infrastructure platform?
What is a digital lending platform?
What is loan decisioning automation?
What is embedded finance infrastructure?
What is a banking orchestration platform?
How does AI improve credit decisioning for banks?
FAQ
Frequently Asked Questions
Answers to common questions about banking infrastructure, digital lending, and AI decisioning platforms.