XPndAI is India's BFSI-focused custom AI engineering company. We build AI agents and automation systems for NBFCs, digital lenders, banks, fintechs, and payment companies — not generic apps, not SaaS products. Your domain logic, your integrations, your source code. Fixed price from ₹5L.
XPndAI focuses exclusively on AI systems for financial institutions. Each vertical requires deep knowledge of the financial workflow, regulatory environment, and document landscape — knowledge a generic development firm does not have.
Complete credit assessment pipeline — document extraction, bureau, bank statement analysis, policy rules, credit memo. For NBFCs and digital lenders.
Full loan origination system development — from borrower portal to LOS to disbursement automation. Modular or full-stack build.
Alert triage, investigation automation, sanctions screening, SAR drafting. PMLA + FIU-IND compliant.
LC document checking, UCP 600 rule engine, discrepancy detection. SWIFT MT 700 parsing for banks and corporate treasury.
PSP settlement vs bank vs ledger — automated 3-way reconciliation. Exception management, chargeback tracking, merchant net settlement.
Real-time payment status, failed payment resolution, UPI dispute filing, refund initiation, NACH mandate queries. Resolves 55–70% without human escalation.
Chargeback intake, Visa VDR + Mastercard MDR reason code engine, evidence collection, deadline tracking. 15–25% win rate lift. RBI TAT compliant.
XPndAI Extract is not an OCR product — it is the structured data layer that makes FinTech AI agents possible. Every agent depends on high-accuracy structured extraction from financial documents.
Underwriting Agent — Data Flow
This transforms ₹2/page document extraction into a component of ₹12L–₹50L custom AI systems — because the extraction quality is high enough to drive automated underwriting decisions.
| Factor | XPndAI (BFSI Specialist) | Generic Dev Company |
|---|---|---|
| Domain knowledge | Credit policy, PMLA, UCP 600, bureau APIs — built in | Not their domain — you explain it to them |
| RBI / PMLA compliance | Architecture includes compliance controls | Retrofitted — often incomplete for audit |
| Financial document AI | XPndAI Extract — 40+ Indian banks, KYC, GST, trade docs | Third-party OCR API — not tuned for Indian formats |
| Pricing model | Fixed price — source code at handover | T&M — scope creep, no ownership guarantee |
| Monthly cost after launch | Hosting only (₹15k–₹40k/month) | SaaS licence ₹5L–₹20L+/month at scale |
| Turnaround | First delivery 8–14 weeks | Often 6–18 months for comparable scope |
A FinTech AI development company builds custom AI systems for financial institutions — not generic software and not off-the-shelf SaaS. XPndAI builds in five BFSI verticals: AI underwriting agents for NBFCs and digital lenders; AI loan origination systems (LOS); AML and financial crime investigation agents for banks and fintechs; trade finance document intelligence for banks and corporate treasury; and AI payment reconciliation for PSPs and marketplaces. Each build is custom: your credit policy, your compliance requirements, your integrations, your source code. Fixed price. No ongoing licence.
FinTech AI requires domain knowledge a generic development company does not have. Encoding credit policy rules (CIBIL floor, FOIR ceiling, sector exclusions) into an auditable AI system is different from building a CRUD app. AML investigation automation requires understanding PMLA obligations, FIU-IND reporting formats, and alert triage logic. LC document checking requires UCP 600 rules. XPndAI brings this domain depth to every build — the system delivered is designed for regulator examination from day one, not retrofitted after the fact.
FinTech SaaS products (credit scoring platforms, AML alert tools, reconciliation SaaS) give you a monthly licence and a vendor model — you pay for access, not ownership. XPndAI uses fixed-price project pricing: you get the source code at handover, pay hosting costs only after launch (typically ₹15k–₹40k/month for hosting), and there is no ongoing licence. For mid-size NBFCs and fintechs processing significant volume, the break-even on custom builds vs SaaS is often under 18 months. For banks and large institutions, custom builds are the only way to get auditable decision logic and true data sovereignty.
XPndAI Extract is the document intelligence layer underneath every XPndAI FinTech AI agent. It handles the hard part of reading financial documents: parsing bank statements from 40+ Indian banks in every format, extracting KYC documents (PAN, Aadhaar, passport), reading ITR, Form 16, GST returns, SWIFT MT 700 trade documents, and commercial trade documents in English and Arabic. Instead of paying a per-API-call OCR vendor that returns raw text, Extract returns structured data (salary credits, EMI debits, FOIR, identity fields, trade document terms) that the AI agent can act on directly. This is what makes ₹2/page document extraction a component of ₹20L FinTech AI solutions — the data quality is high enough to drive automated decisions.
One discovery call. Map your requirements. Fixed-price quote within 5 business days.
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