Modernise financial products, rails and operations.
Digital banking, payments modernisation, embedded finance and operations automation for banks, lenders and payment companies.
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Financial institutions face pressure from digital-native competitors, new payment rails, open banking and customer expectations shaped by the best consumer apps — while carrying legacy cores and heavy compliance obligations.
Shivacha FinTech transformation modernises the customer-facing layer, exposes capabilities through APIs, rebuilds payment and ledger infrastructure where it constrains growth and automates operations — working within your regulatory obligations and with your licensed partners.
Challenges
What stands in the way
Legacy cores
Core systems slowing product change.
Payment modernisation
New rails and standards to support.
Operational cost
Manual reconciliation and servicing.
Partner ecosystems
Demand for APIs and embedded finance.
Approach
How Shivacha helps
- 1
Ledger-first design
Money movement modelled before screens.
- 2
API enablement
Banking capabilities exposed safely.
- 3
Operations automation
AI and workflow automation in back-office.
- 4
Partner abstraction
Providers behind adapters for flexibility.
Deliverables
- Digital channels
- Banking and payment APIs
- Modern ledger or core integration
- Automated reconciliation
- Embedded finance capabilities
- Operations tooling
Services
Services in this solution
Digital Banking Solutions
Digital banking solutions that modernise customer channels, automate operations and open banking capabilities through APIs.
Learn morePayment Platform Development
End-to-end payment platforms: acceptance, processing, orchestration, settlement, reconciliation and payouts at scale.
Learn moreBanking API Development
Banking APIs for accounts, payments, cards and data — secure, versioned and documented for partners and internal teams.
Learn morePayment Reconciliation Automation
Automated reconciliation of payments, provider reports, settlements and bank statements — with exception workflows.
Learn moreOpen Banking Development
Open banking integrations and platforms — account information, payment initiation, consent management and data analytics.
Learn moreCompliance Automation
Automate compliance workflows — onboarding reviews, alert triage, reporting preparation and evidence collection.
Learn moreProducts
Platforms that accelerate delivery
Shivacha Digital Bank
A configurable digital banking platform for banks and licensed partners.
Learn moreShivacha Payment Orchestration
Route every payment to the best provider — and fail over automatically.
Learn moreShivacha Banking API
Secure, versioned banking APIs over any core — with sandbox and developer portal.
Learn moreShivacha Lending Platform
Origination, decisioning, servicing and collections — configurable end-to-end.
Learn moreLearn more
Related work and thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreFinTech app development cost: scoping payments, banking and lending products
FinTech budgets are shaped less by screens than by partners, ledgers, compliance and reliability. A guide to the drivers behind a neobank, wallet, payments or lending build.
Learn moreModular monolith first: when microservices are actually worth it
Microservices solve organisational scaling problems and introduce distributed-systems problems. Most products should earn them.
Learn morePayment Platform Launch Checklist
Operational, technical and partner readiness items before processing live payments.
Learn moreFinTech Platform Architecture Guide
Ledger-first architecture for financial products: account models, money movement state machines, partner abstraction and reconciliation.
Learn moreFAQ
Frequently asked questions
Do we need to replace our core banking system?
Usually not immediately. Sidecar cores, API layers and incremental migration deliver value with lower risk.
Can you support ISO 20022 migration?
Yes, including message mapping, enrichment and reconciliation impacts.
Discuss Your Financial Platform.
Tell us what you're launching. A solution architect will reply with an approach, an implementation timeline and next steps.