Every account.
Every rupee.
Reconciled live.

Financial software that joins onboarding, lending, collections, payments and compliance into one governed platform — built around your products, your regulator and the way money actually moves through your business.

  • Banks & co-operatives
  • NBFCs
  • Insurers
  • Wealth & asset managers
  • Fintechs
Standards in
  • RBI-aligned practices
  • PCI-DSS
  • ISO 27001
  • CKYC / eKYC
  • UPI / NACH
  • eSign
  • DPDP

01 The risk matrix

Where finance quietly leaks.

Plotted the way your risk team plots it — impact against likelihood. Select any marker to see the fix we put in its place.

RISK 01 · KYC DROP-OFFS

Onboarding that doesn’t lose people

What we usually find Forms abandoned mid-way, documents re-submitted three times and manual verification that takes days.

What we build Digital onboarding with eKYC, CKYC hooks and video verification — most customers through in minutes, not days.

  • eKYC & CKYC
  • Video verification
  • Resume-anywhere forms

RISK 02 · SLOW APPROVALS

Credit decisions without the wait

What we usually find Underwriting in spreadsheets, files moving between tables and applicants chasing status daily.

What we build A loan origination workflow with rule-based screening, credit-bureau integration and approvals that move themselves.

  • Rule-based screening
  • Bureau integration
  • Approval workflows

RISK 03 · MANUAL RECONCILIATION

Books that close themselves

What we usually find NEFT, UPI, NACH and cash entries matched by hand — and a close that slips a day every month.

What we build Automated reconciliation across every rail, with exception queues and a daily close you can trust.

  • Auto matching
  • Exception queues
  • Daily close

RISK 04 · COLLECTIONS LEAKAGE

Due dates that chase themselves

What we usually find Due tracking in registers, reminders sent by memory and ageing visible only at month-end.

What we build Automated due engines with multi-channel reminders, allocation rules and recovery tracking per bucket.

  • Due date engines
  • Multi-channel reminders
  • Bucket analytics

RISK 05 · COMPLIANCE GAPS

Reporting built into the system

What we usually find Regulatory returns assembled by hand, AML alerts reviewed in batches and evidence scattered across folders.

What we build Transaction monitoring with case workflows and regulatory reporting generated from live data — always audit-ready.

  • AML monitoring
  • Case workflows
  • Regulatory returns

RISK 06 · FRAUD BLIND SPOTS

Signals seen before the loss

What we usually find Fraud discovered after settlement — and rules that only catch the last attack.

What we build Real-time transaction signals with risk scoring, velocity checks and alerts routed to the right officer instantly.

  • Risk scoring
  • Velocity checks
  • Instant routing

02 The vault wall

Open a box. See what changes.

Every function behind the counter, in one vault — click a box to open it.

BOX 01 · ONBOARDING

Account opening in one sitting

What we usually find Paper forms, repeated document collection and verification queues that push customers to competitors.

What we build Guided digital onboarding with eKYC, consent capture and straight-through processing to the core.

  • Digital applications
  • Consent capture
  • Straight-through to core

BOX 02 · LENDING

Origination to disbursement, tracked

What we usually find Spreadsheets, informal credit calls and disbursements that depend on who remembers what.

What we build A loan origination system — application scoring, sanction workflows, documentation and disbursement on one thread.

  • Credit workflows
  • Sanction approvals
  • Disbursement tracking

BOX 03 · COLLECTIONS

Recovery that starts on time

What we usually find Reminders late, field agents untracked and ageing analysis a month behind reality.

What we build Automated due engines, agency allocation and field recovery tracking — with the full ageing picture, live.

  • Due engines
  • Agency allocation
  • Live ageing

BOX 04 · PAYMENTS

Every rail, one ledger

What we usually find UPI, NACH, NEFT and cash reconciled separately — and disputes handled over email.

What we build A payments hub that captures every rail, auto-reconciles it and routes disputes through one queue.

  • Multi-rail capture
  • Auto reconciliation
  • Dispute queue

BOX 05 · RISK & AML

Monitoring that keeps pace

What we usually find Alerts reviewed in batches, cases tracked in spreadsheets and evidence assembled at audit time.

What we build Real-time monitoring with risk scores, case management and an evidence trail regulators can follow.

  • Real-time signals
  • Case management
  • Regulator-ready evidence

BOX 06 · CUSTOMER 360

Service without the call centre queue

What we usually find Customers calling for statements, status and letters — and officers re-keying requests into three systems.

What we build A self-service portal and app with account 360, service requests and letters generated on demand.

  • Self-service portal
  • Service requests
  • Auto-generated letters

03 What we build

Modules, issued to your stack.

Each module is a card in your wallet — activate the one you need first, the rest share the same customer, ledger and audit trail.

M-01

Core banking integration

Middleware that keeps your core and every channel in sync — without replacing either.

M-02

Loan origination (LOS)

Application to disbursement — scoring, sanctions and documentation on one thread.

M-03

Collections & recovery

Due engines, reminders, agency allocation and field recovery tracking.

M-04

KYC & onboarding

eKYC, CKYC hooks, video verification and consent capture built in.

M-05

Payments & reconciliation

Multi-rail capture, auto matching and a daily close that holds up.

M-06

Risk & compliance (AML)

Transaction monitoring, case workflows and regulatory reporting.

M-07

Customer portal & app

Account 360, service requests, letters and journeys customers finish.

M-08

Analytics & regulatory reporting

Portfolio health, delinquency and returns generated from live data.

04 After go-live

What the board reports.

Illustrative outcomes from financial builds — baselines and targets agreed with your teams before the first release. (Sample figures.)

ONBOARDING
0% KYC turnaround time
CLOSE CYCLE
0 Faster month-end close
COLLECTIONS
0% On-time recovery rate
EXCEPTIONS
0% Manual reconciliation effort

05 How the build runs

A rollout that compounds like good interest.

Every phase adds value on top of the last — the curve rises because each release is live, not because a big-bang date arrived.

  1. Discovery & controls audit

    Processes, systems and control gaps mapped — including the workarounds nobody documented.

    Leaves behind: process map + risk register
  2. Governed blueprint

    Modules, data flows and control points approved by risk, compliance and IT together.

    Leaves behind: approved release plan
  3. Build & integrate

    Platform built around your products and wired into the core, bureaus and payment rails.

    Leaves behind: working first release
  4. Pilot book / branch

    One product or branch runs live — tuned through real closes before scaling.

    Leaves behind: proven controls + trained team
  5. Scale & compound

    More products, more branches on the same base — with analytics getting sharper every cycle.

    Leaves behind: a platform that compounds

06 Interoperability

Wired like a switchboard.

Hover a pad to light its trace. We connect to the rails, bureaus and cores you already run — nothing gets ripped out.

MADDS
FIN CORE

ISO 8583 · NACH · REST · SFTP — standards first, always.

MADDS · FINANCIAL PRACTICE REF: FI-2026-0001

07 Term sheet

Let’s open the discussion.

One session with our financial services team. We map your workflows and controls, list what a platform would fix first, and you decide the next step.

  1. Clause 1 — Discovery. Workflow, controls and systems mapped in one session.
  2. Clause 2 — Quick wins. A prioritised fix list within five working days.
  3. Clause 3 — Your call. A phased scope you can start small — no obligation.
Scope
Financial services digitalisation
Phases
Audit → Blueprint → Build → Pilot → Scale
First release
Typically 6–10 weeks
Location
6th Floor, Dayal Trade Center, Adityapur, Jamshedpur – 831013
For MADDS · Accepted by the client
MADDS Legal & policies

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