Your customer-facing app may be licensed elsewhere; back-office reconciliation, partner onboarding, and collections still deserve software you control. DigiOpera engineers audit-trail-heavy platforms for NBFCs, payment ops, and B2B finance teams from Gurugram with NDA-first delivery.
Fintech growth breaks when loan books live in spreadsheets and partner settlements reconcile manually at month-end. DigiOpera builds operations platforms—servicing workflows, ledger views, exception queues, and regulator-ready exports—while your licensed frontend or banking partners handle customer-facing transactions. We speak the language of ops leads who need immutable logs, not growth-hack dashboards alone.
Disbursement checks, EMI schedules, restructuring, and NPA workflows with maker-checker rules.
Multi-rail settlement matching, exception dashboards, and export to GL systems.
DSA onboarding, commission statements, and document collection with KYC hooks.
Role separation, session timeouts, IP allow lists, and encrypted credential vaults are baseline—not upsells. Sensitive actions require dual approval; reports show who changed what and when auditors ask. We document data flows for your compliance team; regulatory licensing remains your responsibility.
Tell us your operational constraints. We respond within one business day with a practical roadmap.
Bank files, payment gateway webhooks, credit bureau APIs, and core banking connectors feed unified ops consoles. Idempotent webhook handling and replay tools recover gracefully when partners have outages—reducing manual repair work your ops team dreads on Monday mornings.
Modular services, queue-backed batch jobs, and observability from sprint one let volumes grow without emergency rewrites. Same squad continuity through hypercare means the engineers who built reconciliation rules fix production edge cases fast.
We focus on operations, partner, and admin systems; licensed consumer apps typically involve your regulated entity and specialised vendors we integrate with.
Yes—KYC document capture, co-lending splits, and RBI reporting exports are familiar patterns in our India fintech work.
We minimise card data scope—often tokenising via gateway partners—and architect so sensitive PAN never lands in application logs.
Laravel, Node.js, or .NET with PostgreSQL, Redis queues, and hardened API gateways—selected to match your IT and audit preferences.
Full repository and deployment transfer on completion; escrow arrangements available for enterprise contracts.
We specialise in back-office ops—reconciliation, partner portals, collections—not licensed banking frontends.
Immutable event logs, role separation, and export formats your compliance team can sample during due diligence.
Government-recognised registrations and verifiable corporate identifiers.
Registered office: 3rd Floor, Landmark Cyber Park, Sector 67, Gurugram, Haryana 122102, India
Share rails, volumes, and compliance constraints—we will map modules and a realistic phased build.
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