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AI Should Be Your Advantage - Does It Feel Like a Bottleneck?
AI ambition in BFSI is high, but turning it into real impact is where the challenge begins. From navigating evolving security risks to ensuring reliable data can actually be trusted, and modernizing systems not built for intelligence, today’s financial institutions are facing a new layer of complexity.
31% Cybersecurity Concerns
Privacy and data security risks remain the top barrier to AI adoption.
23% Data Quality Issues
Inconsistent and unreliable data continues to impact AI output accuracy.
22% Process Unreadiness
Existing workflows are not yet optimized for automation and AI integration
Future-ready Finance, Powered by AI
Modernize fragmented financial ecosystems, accelerate onboarding,
orchestrate payments intelligently, and scale secure customer experiences
with AI-driven automation, compliance, and platform engineering.
Banking
Accelerate onboarding, modernize core systems, and boost efficiency with AI-driven fraud detection, cloud migration, and personalized digital banking journeys.
Payments
Enable real-time, cross-border, and embedded payments across fragmented payment ecosystems with intelligent orchestration, fraud prevention, and compliance automation.
Underwriting & Credit Decisioning
Streamline underwriting and decisioning across lending and insurance with AI-driven automation, predictive analytics, fraud detection, and digital workflows that accelerate approvals, modernize claims, and strengthen compliance.
Our Breadth of Expertise Across Payments & Financial Services
Powering billions in payments through long-standing partnerships that help clients reduce payment friction, accelerate time-to-revenue, modernize legacy ecosystems, and deliver best-in-class financial experiences at scale.
eCommerce Merchants
Delivering frictionless e-commerce payment experiences through modern payment rails and geo-specific innovations.
Payment Orchestrators
Offering consumers flexible and seamless payment options that reduce basket abandonment and improve conversion.
Payments Technology
Powering billions in weekly payments through the build, hosting, and implementation of mission-critical payment technologies.
What We Do
- Banking
- Payments
- Underwriting & Credit Decisioning
Customer Onboarding &
Digital Banking
Accelerate onboarding with BaaS, digital KYC/AML, and automation to enhance compliance, reduce risk, and deliver seamless digital banking.
Fraud Prevention &
Compliance
Protect with AI-driven fraud detection, real-time anomaly tracking, encryption, and zero-trust frameworks to ensure compliance and trust.
Core Banking Modernization
Modernize legacy banking infrastructure with cloud-native architectures, containerization, and intelligent automation to improve scalability, reduce operational risk, and accelerate product innovation.
Process Optimization
Cut processing times and costs with RPA, low-code, and automation to streamline workflows, scale operations, and drive banking innovation.
Customer Experience &
Personalization
Unify data and leverage AI for hyper-personalized, omnichannel journeys that increase retention, satisfaction, and customer lifetime value.
Open Banking Integration
Enable secure APIs compliant with PSD2, OpenAPI, and FDX to unlock revenue streams, partner ecosystems, and personalized financial products.
Real-time Payment Platforms
Deliver instant, secure, and compliant payments with faster processing and higher approval rates to improve cash flow and competitiveness.
Payment Orchestration & Gateway Development
Optimize payments by routing across providers with orchestration, APIs, and custom gateways for speed, reliability, and seamless UX.
AI-powered Fraud Prevention
Detect and prevent fraud in real time using AI-driven anomaly detection, behavioral analytics, and intelligent risk scoring - reducing false positives, strengthening compliance, and improving customer trust.
Automated Merchant Onboarding
Automate onboarding with AI-driven KYC/AML workflows that reduce activation times, improve compliance accuracy, and accelerate revenue realization.
Cross-border Payment Solutions
Leverage blockchain to cut costs, shorten settlements, and simplify regulatory hurdles, enabling fast, low-cost seamless global transactions.
Closed-loop Payment Ecosystems
Build closed-loop ecosystems to lower fees, speed settlements, and deliver personalized payment experiences that drive customer loyalty.
Embedded Finance Solutions
Embed lending, insurance, and payment options into platforms to unlock new revenue, boost engagement, and meet evolving user expectations.
Compliance Automation for Regulatory Excellence
Automate reporting, auditing, and monitoring to meet PSD2, AMLD, and FATF standards, cut manual effort, and ensure regulatory integrity.
Compliance & Risk Management
Strengthen compliance across lending and insurance workflows with AI-driven monitoring, digital verification, and automated governance aligned to evolving regulatory frameworks.
Predictive Risk & Decision Intelligence
Leverage predictive analytics and AI-powered dashboards to assess risk, detect anomalies early, improve underwriting accuracy, and support faster, data-driven decisions.
Intelligent Automation for Underwriting & Claims
Accelerate underwriting, mortgage processing, and insurance claims handling with intelligent automation that reduces manual effort, minimizes errors, and improves credit appraisal turnaround times.
Claims Automation & Modernization
Modernize claims operations with AI-powered intake, automated adjudication, and intelligent workflows that reduce manual processing time, improve accuracy, and enhance customer satisfaction.
BaaS-enabled Financial Workflows
Adopt scalable BaaS models to streamline lending, underwriting, payments, and servicing operations while enabling seamless customer experiences.
Low-code Workflow Transformation
Leverage low-code platforms to digitize underwriting, servicing, and claims workflows - improving agility, reducing operational overhead, and accelerating delivery.
Advanced Fraud Prevention & Identity Verification
Strengthen fraud prevention with AI-driven KYC/KYB, identity verification, behavioral analytics, and ethical AI frameworks that protect customers and ensure compliance.
Unified Onboarding & Self-service Experiences
Deliver unified onboarding and self-service journeys across lending, insurance ecosystems to improve transparency, reduce friction, and enhance digital engagement.
Holistic Innovation for the Future of Finance
We help financial institutions adopt, scale, and govern AI with confidence - combining deep
engineering expertise with a focus on security, compliance, and real-world impact.
Agentic AI
Unlock autonomous operations with AI agents that drive efficiency, reduce manual effort, and maximize business value.
Conversational AI
Enable seamless, human-like interactions to resolve queries faster, enhance support, and elevate customer engagement.
Data Strategy, Migration & Testing
Modernize data foundations with cloud migration, re-architecture, and robust QA for reliable, scalable AI adoption.
User Research & Service Design
Design intuitive, personalized experiences by deeply understanding user behavior and aligning journeys to real needs.
AI-powered Fraud Prevention
Support intelligent underwriting and claims decisioning with predictive fraud analytics and real-time anomaly detection.
Complex Platform Engineering
Build and scale secure, compliant platforms with AI-accelerated SDLC/PDLC for faster delivery and continuous innovation.
Powering BFSI Innovation with Ciklum
Deep Payments, Platform & Integration Expertise
Design and scale secure, future-ready payment ecosystems with expertise across orchestration, gateway consolidation, open banking connectivity, and complex multi-provider integrations.
AI-first Engineering, End-to-End
Embed AI across your SDLC and PDLC – from discovery to maintenance, to accelerate delivery, reduce costs, and boost efficiency.
True Partnership, Not Just Delivery
We combine roadmap-driven execution, product ownership, and engineering delivery to help BFSI organizations modernize faster and scale with confidence.
Customer-centric, Data-led Transformation
Eliminate silos, unify decision-making, and leverage AI-driven insights to optimize journeys, automate friction, and enhance experiences.
Secure, Scalable, and Flexible Financial Solutions
Our Services Playbook
Stay ahead of rising expectations, evolving regulations, and legacy drag.
Our AI-powered solutions help BFSI leaders launch products and services
faster, stay compliant by design, and scale globally with confidence.
AI-Led Product Engineering
Accelerate product delivery with AI-powered SDLC and PDLC - streamlining workflows, enhancing decision-making, and driving cost efficiency across the lifecycle.
Payment Architecture Modernization
Simplify and modernize fragmented payment ecosystems by decoupling front-end experiences from backend complexity - enabling scalable orchestration, modern payment rails, reduced operational overhead, faster integrations, and future-ready platforms.
Augmented Engineering & Intelligent QA
Boost engineering velocity with AI-assisted development and QA - leveraging automation and intelligent agents to improve quality, speed, and operational efficiency.
Experience & Service Design
Deliver secure, intuitive, and hyper-personalized financial experiences that boost retention, customer lifetime value, and competitive advantage.
Agentic Automation
Automate KYC, compliance, payments, underwriting, and claims workflows with AI agents that adapt securely, improve operational efficiency, and drive measurable ROI across BFSI.
Cloud Services
Migrate core banking systems, modernize infrastructure, and enable scalable, compliant cloud-native platforms built for agility in BFSI.
Edge Tech
Reimagine BFSI with XR, IoT, and digital twins that power immersive onboarding, smarter operations, and next-gen financial experiences.
Data & AI Services
Turn financial and insurance data into predictive insights with AI-driven fraud detection, underwriting intelligence, real-time risk scoring, and hyper-personalized customer experiences.
Expertise. Engineered. Delivered.
AI, Orchestrated: Our Specialized AI & Agentic Services
so every layer of your AI journey is covered, connected, and built to deliver.
Process Transformation & Automation
- Process Analysis & Automation: Deep-dive analysis to identify and automate bottlenecks for rapid ROI
- Process Mining: Forensic Process Intelligence and actions leveraging Process and Task mining along with Lean, VSM, FMEA and others
- Benchmarking: Benchmark processes and functions to identify immediate focus areas for improvement
AI Strategy. Enablement & CoE
- Strategic Roadmapping: Define AI strategy focused on high-impact use cases that deliver Tangible value
- CoE Establishment: Empower your internal AI CoE with the governance and best practices needed for in-house capability
- AI Governance: Establish governance frameworks for responsible deployment
Conversational AI (Chat and Voice)
- Intelligent Conversational AI: Context-aware chatbots that integrate with your systems for personalized support
- Voice AI and IVR Optimization: Design and optimize voice solutions for natural, efficient conversations
- Conversational Analytics: Embed advanced analytics to refine dialogues for improved user experience and business outcomes
Generative AI and Decision Science
- Predictive Analytics: Custom models that forecast key business metrics like sales trends and customer churn.
- Generative AI: Develop powerful generative AI applications for content creation, summarization, conversations, synthetic data and more
- Actionable Insights: Create visualization tools to translate complex data into clear, actionable insights
AI Agents & Autonomous Orchestration
- Specialized AI Agents: Deploy intelligent agents that independently execute complex, multi-step tasks with precision and consistency
- Multi-agent Workflows: Design coordinated systems where multiple AI agents collaborate seamlessly to accomplish shared objectives
- Adaptive Learning Systems: Build self-improving systems that learn from outcomes, refine performance, and continuously evolve over time
Powered by our Incredible Partners
Success Stories
Leaders in banking, payments, insurance, and underwriting trust Ciklum to modernize
legacy systems, launch intelligent digital platforms, and drive measurable business impact.
A Long-Term Engineering Partnership Powering eToro’s Growth and Scale
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Transforming the Mortgage Transfer Process for Santander
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Achieved 50% Reduction in Testing Time Through Automation Testing Framework
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Seamless Banking Transition with API Integration for Inspira
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Payment Gateway Development: Seamless Open Banking & 200+ API Integrations
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Perspectives That Matter
Why Validation is the Real AI Advantage in Financial Services
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How AI Can Help Third-Party Providers Lead the Open Finance Era
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Inside 2025’s AI Implosion: What the Winners Did That Everyone Else Missed
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