Retail Banking Services

We deliver comprehensive digital banking services that eliminate branch visits. Our solutions power multi-account management, PPF operations, locker services, and real-time balance retrieval for millions of users.

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1000+Projects delivered

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Compliant banking, fully digitalized.

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Customers today expect 24/7 access to the full range of banking services without the need to visit physical branches. Managing disparate systems for multiple account types, PPF operations, and locker services often creates significant friction for the end user.

Our solution provides a unified account dashboard featuring real-time OBP integration. It includes RBI-compliant PPF opening and linking, comprehensive locker management with nominee support, and automated statement generation to ensure a seamless, all-in-one digital banking experience.

Work

Client Results and Success

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Impact

Business Impacts We Have Made

Active Users Monthly active users: 5M+
Self-Service Rate Reduced branch visits: +50%
User Engagement Increased app usage: +55%
PPF Opening: Fully digital process: 100%

Services

Our Retail Banking Services

Multi-Account Dashboard

We provide a single unified view for managing Savings, Current, NRE, NRO, and PPF accounts. This centralized interface consolidates disparate account types into one cohesive user experience.

Digital PPF Account Opening

We implement a fully digital PPF account opening process. Our workflows ensure strict RBI compliance is built directly into the application flow for seamless, paperless enrollment.

PPF Linking from Other Banks

We enable users to link PPF accounts held at other institutions. Our system handles the complex branch transfer logic and backend communication within the application interface.

Safe Deposit Locker Management

We digitize the end-to-end locker management lifecycle. This includes integrated nominee KYC validation to ensure security and regulatory adherence at every step.

Real-Time Balance Retrieval

We utilize live OBP integration to provide instantaneous balance synchronization. These sensitive data fetches are further protected by biometric authentication at the point of reveal.

Automated Statement Generation

We support the immediate generation and download of account statements. Our Java-based backend infrastructure allows users to export data in both PDF and CSV formats.

Engagement

Complete Digital Banking Transformation Services for Enterprises and Startups alike

Customer Experience and Onboarding

We help enterprises acquire customers faster without compromising compliance or security.

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Core Banking Modernization

By re-architecting infrastructure and optimizing data pipelines, we enable faster customer interactions and real-time processing.

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Retail Banking Services

Our solutions focus on intuitive UX, secure authentication, and high availability to support peak traffic without performance drops.

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Loan Services and Credit

We integrate KYC, risk scoring, and audit trails to ensure transparency and regulatory compliance.

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Money Transfers and Payments

We implement secure, multi-mode payment infrastructures that support UPI, NEFT, RTGS, IMPS, and internal transfers within a unified experience.

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Credit Card Management

A Unified Card Platform that handles credit card life-cycle management, from instant digital issuance to real-time transaction tracking.

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TECHNICAL HIGHLIGHTS

Retail Banking Services by Engineers Who Have Delivered 1000+ Projects

Production-proven implementations with enterprise-grade architecture.

We enforce strict regulatory validation at the system level. This ensures single-account-per-user rules for PPF are automatically maintained, preventing non-compliance during the digital enrollment process.

We implement direct, low-latency hooks into the Oracle Banking Platform. This allows for live balance synchronization across all account types, ensuring data accuracy without the lag of middle-layer reconciliation.

We secure sensitive financial data using a biometric-protected balance reveal. This ensures that even within an authenticated session, account balances remain masked until verified by the user's local biometric hardware.

We digitize the validation of locker nominees within the application. Our automated workflow manages the KYC submission and verification process, removing the need for physical document handling at the branch level.

Our Java-based backend infrastructure handles high-concurrency requests for account statements. We provide robust support for PDF and CSV generation, ensuring users have immediate access to their financial history.

Insights

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Contact

Accelerate Your AI-Native Digital Banking Transformation

Speak with our digital banking experts about modernizing legacy systems, improving performance, or building a new banking platform without disrupting critical operations.

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FAQ

FAQs About Our Retail Banking Services

The dashboard consolidates Savings, Current, NRE, NRO, and PPF accounts through real-time OBP integration. Balance data is retrieved live for each account type. The view is unified — users do not navigate between separate sections for each account.

RBI rules permit only one PPF account per user. This constraint is validated at the system level during the PPF opening flow, not as a manual check. The application prevents duplicate PPF account creation before the request reaches the core banking system.

Users can link a PPF account held at another bank to their profile within the application. The branch transfer logic required to move the PPF relationship is handled within the flow. Users do not need to visit a branch to initiate this.

Real-time balance data is retrieved via OBP integration and is protected behind biometric authentication. The balance is not displayed until the user completes biometric verification, reducing the risk of exposure if a device is accessed by someone other than the account holder.

Statements are available in PDF and CSV formats. PDF generation is handled by a Java backend. CSV output supports use cases where users need to process transaction data in spreadsheet tools.

Nominee KYC validation is built into the locker management flow. The workflow captures and validates nominee details before the locker service is activated. This removes the branch visit that nominee registration previously required.

The implementation uses React Native with TypeScript and Redux for the application layer, Oracle Banking Platform for core banking integration, and Java Spring Boot for backend services. The HDFC Design Library is used where mandated by the bank. Integration feasibility with other core banking systems is assessed during the discovery phase.

Scope determines timeline. A discovery call is the right starting point to size the engagement against your specific account types, compliance requirements, and existing system integrations.

Retail Banking Services

Compliant banking, fully digitalized.