Fortify your financial institution and accelerate growth with purpose-built AI — from real-time fraud detection and intelligent credit scoring to automated compliance, algorithmic trading, and personalised financial advisory platforms.
Financial services have entered an era of profound transformation. The institutions and fintech ventures that are winning today share a common thread — they have embedded artificial intelligence and machine learning into the very core of their operations, not bolted it on as an afterthought.
At Extech IT Solution, we build custom AI solutions for banks, NBFCs, payment processors, insurance companies, lending platforms, and fintech startups. From real-time fraud detection and alternative-data credit scoring to robo-advisory, AML transaction monitoring, and automated document processing — every solution we build is designed to strengthen security, accelerate approvals, cut compliance costs, and deliver measurably superior customer experiences.
Our fintech AI platforms are architected with security-first, compliance-by-design principles — meeting RBI guidelines, PCI DSS, GDPR, and SOC 2 Type II requirements out of the box so your team can move fast without regulatory risk.
Ensemble machine-learning models analyse every transaction in milliseconds — scoring risk across hundreds of behavioural and contextual features, flagging suspicious activity with 98%+ accuracy while keeping false positive rates low enough to preserve customer experience.
Alternative-data credit scoring models assess applicants using bank statement analytics, digital footprint signals, and behavioural patterns — enabling financial inclusion for thin-file customers while maintaining robust risk discipline across your lending portfolio.
AI-powered document verification, facial recognition for liveness checks, sanctions screening, and transaction-level AML monitoring — processing compliance workflows in minutes rather than days while satisfying regulatory reporting requirements automatically.
Secure, compliant, and reliable — from architecture to live deployment and beyond.
A complete intelligent financial technology platform — covering every dimension of modern fintech from fraud prevention to algorithmic trading and regulatory compliance.
Multi-layered anomaly detection models process every transaction in real time — analysing device fingerprints, behavioural biometrics, network signals, and transaction patterns to identify fraudulent activity with 98%+ precision while maintaining seamless UX for legitimate customers.
Next-generation credit underwriting engines leverage traditional bureau data alongside alternative data signals — bank statement cashflows, UPI behaviour, digital commerce history — to make faster, fairer, and more accurate lending decisions at any portfolio scale.
Quantitative trading algorithms and AI portfolio management tools process market signals, news sentiment, and macroeconomic indicators to execute data-driven investment strategies — with backtesting, risk-parameter controls, and real-time performance attribution built in.
360-degree customer intelligence platform that segments users by financial behaviour, product affinity, life-stage, and churn risk — enabling highly targeted product cross-sell, personalised financial recommendations, and proactive retention interventions.
Conversational AI assistants handle account enquiries, loan application guidance, investment queries, and complaint resolution — 24/7 across web, mobile, and WhatsApp — with full core banking context integration and seamless live agent escalation when required.
AI-powered OCR and NLP extract, validate, and process KYC documents — Aadhaar, PAN, passports, bank statements, GST filings — in seconds. Liveness detection, sanctions screening, and regulatory reporting automation complete the end-to-end compliance workflow.
Proven AI applications delivering measurable impact across every segment of the financial services ecosystem.
Fraud detection, credit risk modelling, customer segmentation, chargeback prediction, and branch operations automation for regulated financial institutions.
Real-time transaction risk scoring, chargeback prediction, merchant risk profiling, and dispute resolution automation for payment processing platforms.
Inventory automation, pick-path optimisation, slotting intelligence, and dock scheduling for 3PL warehouses and distribution centres.
Robo-advisory engines, portfolio optimisation algorithms, risk tolerance profiling, and goal-based financial planning tools for wealth and investment platforms.
Alternative credit scoring, loan origination automation, collections propensity modelling, and default prediction for digital lending and BNPL companies.
AML transaction monitoring, suspicious activity reporting automation, regulatory filing generation, and audit trail management for compliance-heavy financial institutions.
Quantified business outcomes our fintech clients consistently achieve after deploying Extech's AI financial platform.
AI detects and blocks fraudulent transactions in real time — cutting financial fraud losses and chargeback costs while protecting customer trust and institutional reputation.
Automated loan approvals, instant KYC verification, and AI-assisted document processing compress days-long manual workflows to minutes — dramatically improving customer acquisition speed.
Operational costs across underwriting, compliance, customer service, and reporting are substantially reduced through intelligent automation — directly improving net interest margin and operating efficiency ratios.
Detailed real-world applications across the financial services value chain.
Our multi-signal fraud engine monitors login behaviour, device fingerprints, geolocation anomalies, and transaction velocity simultaneously — detecting account takeover attempts and synthetic identity fraud with near-zero false negatives. Behavioural biometrics add a passive authentication layer that stops fraudsters without friction for genuine users.
AI credit underwriting processes loan applications in seconds by analysing bank statement cashflows, UPI transaction patterns, merchant category spending, and employment verification signals — enabling instant credit decisions for customers without traditional credit histories, while maintaining portfolio default rates within acceptable risk parameters.
Graph neural network models analyse transaction networks to identify structuring, layering, and integration patterns associated with money laundering — generating Suspicious Activity Reports (SARs) automatically with evidence chains, reducing analyst review time by 70% while significantly improving detection recall versus rules-based systems.
AI recommendation engines analyse each customer’s spending patterns, savings behaviour, life-stage triggers, and financial goals to serve precisely timed, contextually relevant product offers — credit cards, insurance, mutual funds, savings products — through the right channel at the right moment, dramatically improving cross-sell conversion rates.
Our robo-advisory platform profiles each investor’s risk tolerance, time horizon, tax situation, and financial goals — then constructs and continuously rebalances optimised multi-asset portfolios using modern portfolio theory enhanced by AI market regime detection, all delivered at a fraction of the cost of traditional advisory services.
Every Extech fintech platform is architected with compliance built in from the ground up — not retrofitted after development.
Full Payment Card Industry Data Security Standard compliance for all cardholder data storage, processing, and transmission across your platform.
Data minimisation, consent management, right-to-erasure workflows, and privacy-by-design architecture for EU customer data compliance.
Service Organisation Control audit framework applied across security, availability, processing integrity, confidentiality, and privacy trust criteria.
Platforms designed in alignment with Reserve Bank of India digital lending guidelines, SEBI investment advisor regulations, and IRDAI insurance technology frameworks.
Battle-tested, enterprise-grade technology stack combined with financial-sector-specific frameworks, data sources, and compliance integrations.
Financial domain expertise, regulatory intelligence, and precision AI engineering — all under one roof committed to your growth and compliance.
Our fraud, credit, and AML models are trained on financial transaction datasets with domain-appropriate feature engineering — delivering accuracy that generic AI simply cannot match for financial use cases.
PCI DSS, GDPR, SOC 2, RBI, and SEBI compliance is architected into every layer of our solutions from the first sprint — not patched in after audit findings force remediation.
Event-driven microservices processing thousands of transactions per second with sub-100ms fraud scoring latency — fast enough for payment gateway and lending use cases without compromise.
We integrate with Finacle, Temenos, BankWare, and custom CBS/LOS/LMS systems via well-defined APIs — adding AI capabilities to your existing stack without disruptive core system replacement.
Our credit and risk models produce auditable, explainable outputs — meeting regulators' requirements for model interpretability in lending decisions and providing justifiable adverse action notices.
Continuous model monitoring, quarterly retraining schedules, regulatory update support, and a dedicated account team — we remain your committed technology partner through every business cycle.
Tell us your fintech challenge — our financial AI specialists will design a compliant, high-performance solution that drives growth and reduces risk.
Empowering businesses with innovative IT solutions and cutting-edge technology services.
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