AI Fraud Detection & AML
Real-time transaction scoring using ML models trained on your own patterns — detecting fraud, money laundering, and account takeover with sub-100ms latency and under 0.05% false positive rates at full production scale.
FinTech & Banking Technology
Engineering the Future of
Financial Services.
From real-time fraud detection to core banking modernisation, Kalp Corporate builds the intelligent systems that keep financial institutions secure, compliant, and ahead of disruption — without the years-long timelines of legacy vendors.
50+
FinTech Products Built
97%
Fraud Detection Accuracy
<100ms
Transaction Scoring Latency
PCIDSS
Compliance Standard
Industry Challenges
FinTech Moves at Software Speed. Most Banks Are Still Moving at Procurement Speed.
Fraud Evolving Faster Than Rules-Based Defences
Synthetic identity fraud, account takeovers, and real-time payment fraud are outpacing static rule systems. You need adaptive ML models that learn from your own transaction patterns — not someone else’s generic dataset.
Legacy Core Systems Blocking Digital Innovation
Core banking systems built in COBOL decades ago prevent the real-time APIs, instant payments, and personalised products that challenger banks launch in weeks. Modernisation is no longer optional — it is existential.
Regulatory Reporting Consuming Engineering Capacity
Basel III, IFRS 9, AML transaction monitoring, and GDPR compliance together demand enormous manual effort. Every hour your engineering team spends on regulatory plumbing is an hour not spent on differentiated product.
Data Silos Preventing Customer Intelligence
Transaction, account, and behaviour data sit in separate systems with no unified customer view. The financial institutions that win the next decade will turn that data into hyper-personalised, predictive financial experiences.
$48B
Lost to payment fraud globally in 2024 (Nilson Report)
71%
of bank executives say legacy technology is their #1 barrier to digital transformation
$3.7T
Projected global FinTech market value by 2030 — incumbent banks that modernise will capture it
What We Build
End-to-End FinTech Engineering — From Core Infrastructure to Customer Experience
We build the intelligent financial systems that give FinTechs and banks competitive advantages that are genuinely hard to replicate — not off-the-shelf tools anyone can license tomorrow.
Discuss Your FinTech Roadmap →Core Banking Modernisation
API-first core banking layers, microservices decomposition of legacy monoliths, event-driven architectures for real-time ledgering, and cloud-native infrastructure that scales without per-seat licence fees.
Payment Platform Engineering
ISO 20022-compliant payment rails, instant payment processing, multi-currency wallets, PSD2 open banking integrations, and acquiring platform development with PCI DSS compliance designed in from the start.
Credit Scoring & Risk Models
Alternative data credit scoring using open banking transaction history and behavioural signals — enabling fairer lending decisions and expanding credit access beyond traditional bureau-only models.
Regulatory Reporting Automation
Automated Basel III, IFRS 9, and GDPR compliance reporting pipelines — replacing manual data aggregation with reliable, auditable, regulatory-grade infrastructure that satisfies external auditors.
Open Banking & BaaS Platforms
PSD2-compliant open banking API platforms, Banking-as-a-Service infrastructure, embedded finance integrations, and developer portals that let partners build financial products on your rails.
Our FinTech Delivery Approach
Built for Regulated Environments — With the Speed of a Startup
Financial services projects require compliance rigour without the enterprise delivery timelines. Our process delivers both in parallel, not sequentially.
Regulatory & Architecture Review
We map your regulatory obligations, audit your data landscape, and design an architecture that is compliant by construction — so audits validate rather than disrupt your development timeline.
Rapid POC & Model Validation
For AI use cases, we deliver a working proof-of-concept on your real transaction data within 48 hours — with real performance benchmarks before any production commitment is made.
Secure Build & Compliance Testing
Agile delivery with PCI DSS, AML, and GDPR controls embedded throughout — penetration testing, code reviews, and regulatory evidence collection happen in parallel with feature development.
Production & Ongoing Monitoring
Deployment with real-time model monitoring, automated drift detection, regulatory reporting pipelines, and 24/7 incident response SLAs that meet financial services operational requirements.
Technical Capabilities
Deep FinTech Engineering Expertise Across Every Layer
Financial systems demand higher correctness, lower latency, and stricter auditability than almost any other domain. We have built for those standards across 50+ FinTech engagements.
Real-Time Payments Infrastructure
Event-driven payment processing at millions of transactions per day — Kafka-based event streaming, idempotent transaction handling, and ACID-compliant distributed ledgers.
ML Risk & Fraud Models
Graph ML for network fraud, LSTM time-series anomaly detection, and ensemble credit scoring — all with explainability outputs for regulatory review and model governance documentation.
Financial-Grade Security
PCI DSS Level 1 architecture, HSM key management, tokenisation, end-to-end encryption, and OWASP-compliant application development as baseline requirements on every engagement.
Regulatory Compliance Engineering
PSD2 Strong Customer Authentication, Open Banking API standards, AML/KYC workflow automation, GDPR consent management, and Basel III reporting pipelines built into the core architecture.
Financial Data Platforms
Real-time customer 360 views, transaction analytics warehouses, predictive churn models, and personalisation engines that turn financial data into measurable revenue at scale.
Digital Banking Products
Mobile-first banking apps, white-label neobank platforms, digital lending journeys, robo-advisory interfaces, and BNPL infrastructure — built for conversion, retention, and regulatory approval.
Technology Stack
Proven FinTech Technology, Chosen for Reliability Under Pressure
Every technology chosen for correctness, auditability, and production track record in regulated financial environments — never for trend alone.
Python
Java
Go
Apache Kafka
PostgreSQL
Redis
XGBoost
PyTorch
Graph ML
Kubernetes
AWS
Azure
Snowflake
dbt
ISO 20022
Stripe Connect
Plaid
React Native
HashiCorp Vault
Prometheus
Grafana
FinTech Track Record
Measurable Results Across 50+ FinTech Engagements
97%
Average fraud detection accuracy across deployed ML transaction scoring models in production
<100ms
Real-time transaction scoring latency at full peak production load
60%
Reduction in manual regulatory reporting effort through automated compliance pipelines
50+
FinTech and banking products shipped across payments, lending, and core banking
Common Questions
FinTech Engineering Questions, Answered Directly
What FinTech solutions does Kalp Corporate build?
+
We build fraud detection systems, payment platforms, core banking APIs, regulatory reporting automation, credit scoring models, digital lending platforms, open banking integrations, and real-time transaction analytics for FinTech companies and banks ranging from early-stage startups to established institutions.
Are your solutions compliant with banking regulations?
+
Yes. We design for PCI DSS, PSD2, Open Banking standards, Basel III reporting, AML/KYC requirements, and GDPR from the architecture stage. Compliance is built into the system design — not retrofitted after development is complete.
How do you handle real-time fraud detection at scale?
+
We build ML-based scoring models that evaluate transactions in under 100ms using graph analysis, behavioural pattern recognition, device fingerprinting, and velocity checks — processing millions of events per day without any latency impact on the customer experience.
Can you integrate with our existing core banking system?
+
Yes. We integrate with Temenos, Finastra, Thought Machine, and custom core banking systems via REST, ISO 20022, and FIX protocol APIs. Legacy COBOL-based systems are supported through adapter layers that enable modern API access without requiring a full core replacement.
What AI use cases deliver the most ROI in banking?
+
Fraud detection (97%+ accuracy), credit risk scoring with alternative data, AML transaction monitoring, document verification automation, customer churn prediction, and hyper-personalised product recommendations consistently deliver the highest measurable ROI across banking engagements.
How long does a typical FinTech project take?
+
A focused fraud detection or credit scoring model takes 8–14 weeks from scoping to production. A full digital banking platform or lending system typically runs 4–9 months. We deliver a fixed-scope proposal with milestones and delivery dates before any development begins — no surprises.
Ready to Modernise?
Build the Financial Infrastructure That Wins the Next Decade
Book a free 60-minute FinTech architecture consultation. We will review your current stack, identify your highest-ROI opportunities, and propose a roadmap — no obligation to proceed.
Explore Other Industries
We Bring the Same Domain Depth to Every Vertical We Serve
Services We Apply in FinTech
The Engineering Capabilities Behind Every FinTech Solution
Custom Software Development
When automation requires a custom interface, self-service portal, or integration layer, our development team builds the surrounding system that makes it all work seamlessly.
AI & Machine Learning
Embed intelligence directly into your custom software — predictive features, NLP interfaces, recommendation engines, and automation that compounds value over time.
Cybersecurity & Compliance
Cloud infrastructure without security architecture is a liability. We embed security into every layer — from IAM policies and network segmentation to runtime threat detection.