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Fintech for Businesses
Playbooks and case studies covering fintech for businesses.
What Does It Cost to Build a Loan Origination Platform
A honest cost model for building a custom loan origination platform, with the disclosure and compliance layer priced in — not hidden inside a vague 'compliance module' line item. What drives the range, what pulls it down, and the three questions that turn an estimate into a quote.
GST API Failure Cheatsheet: Handle Every Edge Case
A dense reference for backend engineers debugging GST API failures in production — error code mappings, retry contracts, and reconciliation strategies. Covers the semantic-failure trap where HTTP 200 hides a rejected filing.
5 Mistakes Teams Make When Embedding AI into a Lending Workflow
Most AI credit-scoring failures aren't model failures — they're pipeline and governance failures that surface three months after go-live. Here are the five mistakes we see NBFCs and digital lenders repeat, and what to do when your approvals stop making sense.
UPI Integration Cheatsheet for Backend Engineers
A dense reference for backend engineers integrating UPI: which flow to pick, how to handle the pending state without double-fulfilling orders, and which failure codes are actually terminal. Skip the Medium posts.
Cut Over to a New Payment Provider Without Losing Orders
A step-by-step payment cutover strategy for engineering teams running a live switch between two gateways. Covers webhook fencing, dual-write routing, and the 30-day tail where the old provider keeps firing events your new code was never written to handle.
Stripe vs. Razorpay vs. Cashfree: Pick One Before You Migrate
Choosing between Stripe, Razorpay, and Cashfree is a settlement architecture decision, not a pricing one. Here's how to pick before you spend a quarter migrating the wrong direction.
GST Compliance Cheatsheet for SaaS Billing Engineers
A dense, code-first GST reference for engineers wiring up Zoho, Stripe, or Chargebee for Indian SaaS billing. Every field, rule, and edge case mapped to the decision you actually need to make.
Build vs. Buy Your AI Scoring Model: A Decision Framework
Most build-vs-buy comparisons for AI scoring models are written by vendors and framed around cost and speed. Here is the axis that actually matters three years in — and how to score your own situation against it.
5 Mistakes Teams Make When Automating KYC Onboarding
Most KYC automation failures aren't loud rejections — they're silent passes and exception queues bigger than the manual process you replaced. Here are the five mistakes we keep seeing in production and how to recover from each.
Loan Onboarding Automation: The Edge-Case Cheatsheet
Most loan onboarding automation breaks not because of bad models, but because it lacks explicit states for messy inputs. Here is the cheatsheet for the edge cases that fill your exception queue.
Build vs. Buy AI Credit Scoring: A Lender's Decision Framework
Off-the-shelf AI credit scoring platforms often match custom models on accuracy in year one — but accuracy isn't the axis that should drive your build-vs-buy call. Here's the framework that actually matters, from explainability ownership to alternative-data fit.
Event Sourcing Explained: Stop Losing Your Audit Trail
Failed an audit because your database only stores current state? Here's how event sourcing turns your history into the source of truth — and why the audit log is actually the least interesting part.