Core banking, payments, lending, wealth management, and fintech platforms built for banks, NBFCs, neobanks, and capital markets.
In short: SOCIA builds financial software for banks, NBFCs, neobanks and fintechs — core banking modules, digital lending, payments, wealth management and capital-markets tooling — designed around PCI-DSS scoping and RBI guidance, with the security architecture agreed before the build starts.
Each constraint below is paired with the approach SOCIA takes to it — no problem is listed here that we have not been asked to solve.
Mainframe COBOL systems can't keep pace with mobile-first customers and modern API demands.
Modular core banking on cloud-native microservices with open API banking, deployed alongside legacy via strangler pattern.
Manual KYC, underwriting and approvals stretch the application-to-disbursal window, and applicants drop out along the way.
A loan origination build with eKYC, configurable underwriting rules, decisioning and digital agreement signing.
Fraud, AML, sanctions screening and RBI / SEBI obligations carry heavy penalties and are difficult to evidence after the fact.
Fraud detection models, real-time AML and sanctions screening, and automated regulatory reporting with a retained audit trail.
Customers expect Amazon-like experiences across web, mobile, branch, ATM, and contact center.
Omnichannel platform with unified customer 360, contextual product recommendations, and real-time service journeys.
Drawn from the same service catalogue SOCIA runs for every sector, configured around how this one actually operates.
Cloud-native core banking with accounts, deposits, loans, cards, and full GL.
Payment integrations and wallet systems built to PCI-DSS scoping rules: cards, UPI, BNPL and cross-border.
End-to-end LOS/LMS with eKYC, underwriting, decisioning, disbursal, and collections.
Robo-advisory, portfolio management, and trading platforms for HNIs and retail.
AML, KYC, sanctions, fraud detection, and regulatory reporting automation.
Low-latency trading, OMS/EMS, and market data platforms for brokers and exchanges.
SOCIA builds software, it does not certify it. These are the frameworks our clients' systems are designed to satisfy. Certification is granted to the client by its own assessor, so we never claim a certificate on their behalf.
A typical build: KYC and credit-bureau integrations, rule-based and model-based scoring, a loan origination workflow, repayment scheduling and a collections module — designed around RBI and PCI-DSS constraints.
Written as a composite of the work we do in this sector rather than a named client, because we do not publish client identities without permission.
Scope a similar buildBuild the next generation of banking, payments, and wealth management with our fintech experts.