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
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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 - API Marketplace
A unified API ecosystem to discover, integrate, and manage fintech services through a single gateway.
vIbe - AI Across the Platform
Build, configure, and optimize applications using natural language.
vHub -
API Marketplace
A unified API ecosystem to discover, integrate, and manage fintech services through a single gateway.
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
Solutions
Solutions
Built for Every Financial Journey
Pre-built, configurable solutions that accelerate time-to-market for any financial product.
Digital Onboarding
Seamless KYC, identity verification, and account opening workflows.
Employee Banking
Corporate employee financial wellness and banking programs.
Distribution Platforms
Multi-channel distribution for financial product marketplaces.
Lending Origination
End-to-end loan origination with automated decisioning and disbursement.
Embedded Finance
Configurable rules with zero-code deployment.
SME Banking
Complete digital banking stack for small and medium enterprises.
Lending Origination
End-to-end loan origination with automated decisioning and disbursement.
Embedded Finance
Configurable rules with zero-code deployment.
Employee Banking
Corporate employee financial wellness and banking programs.
Distribution Platforms
Multi-channel distribution for financial product marketplaces.
SME Banking
Complete digital banking stack for small and medium enterprises.
Products
Purpose-Built Financial Products
Vistaar Distribution Platform
iCollect - AI Document Collector
IPA – In Principle Approval
AI-powered pre-approval engine for instant lending decisions.
Real-time credit scoring
Multi-bureau integration
Configurable approval rules
Instant customer feedback
Vistaar Distribution Platform
Multi-channel distribution for financial product marketplaces and DSA networks.
Channel partner management
Commission orchestration
Lead management
Performance analytics
Vahana Cloud
Cloud-native platform for rapid deployment of financial services infrastructure.
Multi-tenant architecture
Auto-scaling infrastructure
API-first design
Zero-downtime deployments
AI Document Collection
Streamline document collection and verification with AI-driven automation.
Automated borrower uploads
AI-based data extraction
Fraud detection
Multi-format support
Policy Management Centre
Enterprise-grade policy governance and risk rule management.
Policy versioning
Audit trails
Compliance workflows
Role-based access
Vistaar Distribution Platform
Multi-channel distribution for financial product marketplaces and DSA networks.
Channel partner management
Commission orchestration
Lead management
Performance analytics
AI Document Collection
Streamline document collection and verification with AI-driven automation.
Automated borrower uploads
AI-based data extraction
Fraud detection
Multi-format support
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 U GRO, 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 U GRO, 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
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.