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Seamless Digital Onboarding for Financial Institutions

Banking


Effortless
End-to-End Solutions for

Banking Excellence

Transforming lending processes for Banks and NBFCs with state-of-the-art solutions, optimising every step from customer acquisition to fund disbursal and collections. Experience the convergence of efficiency and excellence.

Seamless Digital Onboarding for Financial Institutions

Banking


Effortless
End-to-End Solutions for

Banking Excellence

Transforming lending processes for Banks and NBFCs with state-of-the-art solutions, optimising every step from customer acquisition to fund disbursal and collections. Experience the convergence of efficiency and excellence.

overview

overview

Elevate Your Business With Data-Driven Decisions

Improve your lending strategy with our tailored solutions that empower you to make informed decisions at every stage of the customer’s lending journey within a privacy-compliant framework.

Solutions

Solutions

A Comprehensive Suite for Banking

Customer Acquisition

Use 80+ filters to find business details and contact information of the decision makers from over 30 million verified businesses in India.

Digital Onboarding

Verify and onboard MSMEs faster by accessing business details including GSTIN, PAN, TAN, Udyam & financials instantly using a single API.

Risk Assessment

Complete your criminal background verification and keep track of current case matters and FIRs using Perfios.

Fraud Control

Instant credit bureau pulls from CIBIL, Experian, CRIF, and Equifax with automated score parsing and dedup.

Underwriting

Trusted by over 1,000 institutions, Perfios BSA captures and analyzes statements from multiple sources to provide a complete view of your customers’ creditworthiness.

Customer Engagement

Businesses worldwide leverage PFM to generate consolidated end-user financial reports and deliver personalised advice & product recommendations

Features

Benefits

Driving Efficiency Across Everyday Use Cases

Video KYC Onboarding

largest Business Database in India

80+ Easy to Use Filters and Templates

API and Web-App Based Access

Frequent Data Refresh

Features

Case Studies

Driving Efficiency Across Everyday Use Cases

Kotak 811

Private Sector Bank

Problem

Needed to launch a fully digital savings account with instant onboarding at scale, reducing branch dependency.

Solution

Implemented Decimal's digital onboarding platform with Aadhaar eKYC, Video KYC, and AI document processing for instant account activation.

Impact

Onboarding time reduced from days to minutes

Millions of digital accounts opened

Significant reduction in branch dependency

Kotak 811

Private Sector Bank

Problem

Needed to launch a fully digital savings account with instant onboarding at scale, reducing branch dependency.

Solution

Implemented Decimal's digital onboarding platform with Aadhaar eKYC, Video KYC, and AI document processing for instant account activation.

Impact

Onboarding time reduced from days to minutes

Millions of digital accounts opened

Significant reduction in branch dependency

See More Case Studies

Explore More

Discover how other platform modules complement this capability.

AI Decisioning Engine

Digital Onboarding

Lending Origination

FAQ

Frequently Asked Questions

Frequently Asked Questions

Common questions about in principle.

Common questions about in principle.

What is In Principle Approval (IPA)?

How fast is Decimal's IPA engine?

Can IPA evaluate customers for multiple products simultaneously?

Does IPA integrate with credit bureaus?

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

    ISO 27001

    International standard for information security management systems certification.

    AES-256 encryption at rest and TLS 1.3 in transit for all data across the platform.

    Data Security

    AES-256 encryption at rest and TLS 1.3 in transit for all data across the platform.

    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.

  • ISO 27001
    AES-256 encryption at rest and TLS 1.3 in transit for all data across the platform.
    AES-256 encryption at rest and TLS 1.3 in transit for all data across the platform.

Insights & Resources

Insights & Resources

Latest from Our Blog

Stay ahead with insights on banking infrastructure, AI decisioning, digital lending, and fintech strategy.

Complying with DPDP Act: A Guide to Digital Consent

API Ecosystem

Complying with DPDP Act: A Guide to Digital Consent

After 10 years of building distributed systems, here's what nobody tells you about microservices — and why composable, modular architecture is the smarter starting point for most teams.

Complying with DPDP Act: A Guide to Digital Consent

API Ecosystem

Complying with DPDP Act: A Guide to Digital Consent

After 10 years of building distributed systems, here's what nobody tells you about microservices — and why composable, modular architecture is the smarter starting point for most teams.

Complying with DPDP Act: A Guide to Digital Consent

API Ecosystem

Complying with DPDP Act: A Guide to Digital Consent

After 10 years of building distributed systems, here's what nobody tells you about microservices — and why composable, modular architecture is the smarter starting point for most teams.

Understanding In-Principle Approval: Fast-Track Your Lending Journey

Lending

Understanding In-Principle Approval: Fast-Track Your Lending Journey

After 10 years of building distributed systems, here's what nobody tells you about microservices — and why composable, modular architecture is the smarter starting point for most teams.

Understanding In-Principle Approval: Fast-Track Your Lending Journey

Lending

Understanding In-Principle Approval: Fast-Track Your Lending Journey

After 10 years of building distributed systems, here's what nobody tells you about microservices — and why composable, modular architecture is the smarter starting point for most teams.

Understanding In-Principle Approval: Fast-Track Your Lending Journey

Lending

Understanding In-Principle Approval: Fast-Track Your Lending Journey

After 10 years of building distributed systems, here's what nobody tells you about microservices — and why composable, modular architecture is the smarter starting point for most teams.

AI & ML

From Features to Intelligence: Rethinking Product Strategy in the Age of AI

After 10 years of building distributed systems, here's what nobody tells you about microservices — and why composable, modular architecture is the smarter starting point for most teams.

AI & ML

From Features to Intelligence: Rethinking Product Strategy in the Age of AI

After 10 years of building distributed systems, here's what nobody tells you about microservices — and why composable, modular architecture is the smarter starting point for most teams.

AI & ML

From Features to Intelligence: Rethinking Product Strategy in the Age of AI

After 10 years of building distributed systems, here's what nobody tells you about microservices — and why composable, modular architecture is the smarter starting point for most teams.

Explore More

See IPA in Action

See IPA in Action

Book a demo to see instant pre-qualification powering real-time customer offers.

Request Demo

Request Demo

Request Demo