FinTech AI Engineering

AI Solutions for FinTech & Banking

XPndAI builds AI agents, fraud detection models, RAG-powered compliance tools, and custom fintech software for banks, NBFCs, lenders, and fintech startups.

What We Build
For Your Business

End-to-end AI and software engineering with measurable enterprise outcomes.

How Leading Teams
Deploy This Technology

1

AI Credit Agent — NBFC Loan Origination

An NBFC deployed our AI credit underwriting agent to process retail loan applications. The agent pulls bureau reports, validates income documents via OCR, computes internal risk score, and generates a structured credit memo — cutting TAT from 3 days to under 4 hours.

2

Compliance RAG — Banking Regulatory Queries

A mid-size bank built a private RAG system on top of 10 years of RBI circulars, internal policies, and SEBI guidelines. The compliance team now gets instant, cited answers to regulatory questions, reducing external legal consultation cost significantly.

Built With Modern Tools

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Common Questions Answered

Everything you need to know before starting an AI project with XPndAI.

What AI solutions does XPndAI build for fintech companies?

XPndAI builds AI agents for loan origination and underwriting, fraud detection models, AI-powered credit scoring, document AI for KYC/KYB automation, conversational AI for customer support, algorithmic trading assistants, and RAG-powered compliance knowledge bases for RBI and SEBI regulations.

How much does fintech AI development cost in India?

Fintech AI projects at XPndAI range from ₹10–20L for a KYC automation pipeline or AI chatbot, ₹30–80L for a credit scoring engine with ML models, and ₹1Cr+ for enterprise fraud detection or an AI-native lending platform. US/Gulf clients:

5K–$250K. All pricing is fixed-fee, no surprises.

Can XPndAI integrate AI with Finacle, FinnOne, or core banking systems?

Yes. XPndAI has integrated AI pipelines with Finacle, FinnOne Neo, Temenos T24, and custom core banking APIs. Our AI agents read loan ledger data, trigger underwriting workflows, and post structured decisions back to core banking via secure REST APIs with full audit trails.

Is XPndAI compliant with RBI and SEBI regulations for AI in finance?

Yes. XPndAI builds fintech AI with RBI Digital Lending Guidelines compliance, SEBI algorithmic trading regulations, PCI-DSS for payment data, and SOC 2 Type II aligned infrastructure. All AI decisions include explainability reports and human-in-the-loop override capabilities required by Indian regulators.

How long does it take to build a fintech AI product?

A KYC document AI or customer support chatbot MVP takes 4–6 weeks. A credit scoring model with ML training takes 8–12 weeks. A full AI-native lending or wealth management platform takes 4–6 months. XPndAI delivers working prototypes in Week 2 of every engagement.

Can your AI detect financial fraud in real time?

Yes. XPndAI builds real-time fraud detection systems using ML anomaly detection on transaction patterns, device fingerprinting, behavioural biometrics, and velocity checks. Our models process transactions in under 50ms and reduce false positives significantly versus rule-based systems.

Do you build AI for NBFCs and lending startups?

Yes — NBFCs and lending fintechs are among our most common clients. XPndAI builds AI underwriting engines, automated bureau integration (CIBIL, Experian, CRIF), income verification via bank statement analysis, voice-based loan application agents, and collections AI that reduces NPAs through smart follow-up workflows.

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Deep Dive. Free.

Talk directly to our lead engineers. We audit your requirements, propose the exact architecture, and give you a transparent roadmap — all in one call.

  • Technical Architecture Blueprint — custom for your use case.
  • Scalable Infrastructure — built for enterprise growth.
  • Production-Ready Code — rigorous QA and deployment.
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