Fintech AI development — KYC, fraud, compliance & finance copilots.
Aiinfox builds AI for fintech, banks & insurers — KYC automation, fraud signal extraction, compliance copilots, deterministic-output finance LLMs. SOC 2-aligned, audit-trailed.
AI systems shipped to production
industries served end-to-end
average voice-agent p95 latency
production uptime across deployments
Finance AI with audit trails regulators accept.
Fintech AI development is a different beast from consumer AI. Regulators do not accept "the model said so" as an answer. Every output must be auditable, every decision traceable to a model version + prompt + retrieved context + timestamp, and every potentially adverse action (rejected loan, flagged transaction, withheld payout) must be reviewable by a human in a way that satisfies RBI, SEBI, IRDAI, MAS, or the equivalent regulator in your jurisdiction. We build fintech AI with that constraint as the load-bearing requirement, not an afterthought.
Aiinfox has shipped fintech AI for banks, NBFCs, insurers, payment platforms, and digital lenders across India, the US, the EU, and the UAE. The reference deployments include KYC automation pipelines processing thousands of applications per day, fraud signal extraction running on transaction streams in real time, deterministic-output finance LLMs (where the same input must produce the same output every time for audit), and outbound voice agents for insurance renewals saving 1,400 staff-hours per month. Every build ships with audit logs on every model call, model+prompt versioning, and a compliance review checkpoint before production rollout.
Engagement: 30-minute scoping call, fixed-price one-pager in 72 hours, six-week target. For fintech specifically, we add a compliance review checkpoint — your compliance lead reviews the eval set and audit-log structure before any production exposure. Deployment is typically inside your VPC (AWS Mumbai for India data residency, AWS EU for EU clients) with self-hosted Llama 3 on vLLM where data residency or model determinism matters more than top-tier model quality.
Why teams pick Aiinfox
- SOC 2-aligned engagements — audit logs on every model + tool call
- Self-hosted Llama 3 inside customer VPC — zero data egress for sensitive financial data
- Deterministic-output mode for regulator-facing outputs (same input → same output)
- AWS Mumbai region supported for RBI / DPDP India data residency
- Reference deployments across banks, NBFCs, insurers, payment platforms
- Compliance review checkpoint at week 4 — no production exposure before sign-off
Production work, not prototypes.
KYC automation
Document intelligence pipelines for PAN, Aadhaar, passport, utility bills, video KYC. JSON-schema output with confidence scoring, escalation queue for low-confidence cases.
ExploreFraud signal extraction
Real-time fraud scoring on transaction streams with explainable outputs. Combines rules, ML, and LLM-based pattern detection. Audit-trailed for regulator review.
ExploreCompliance copilots
RAG over regulatory filings, policy documents, and internal guidelines. Citation-required answers, refusal layer for out-of-scope queries, deterministic mode for audit.
ExploreVoice agents for insurance & loans
Outbound voice for renewals, claim follow-ups, loan reminders. Sub-1s p95 latency, multilingual, CRM write-back. 1,400 staff-hours saved per month in production.
ExploreStatement & claims extraction
Extract structured data from bank statements, ITRs, insurance claims, financial PDFs. Layout-aware with confidence scoring. Reduces manual processing time 80-95%.
ExploreCustomer service AI for BFSI
WhatsApp + SMS + voice chatbots for L1 support deflection. PII redaction at ingress, CRM integration, clean human handoff. 68% deflection at telco scale in production.
ExploreWhere this work has shipped.
Banks & NBFCs
KYC automation, fraud detection, compliance copilots, loan-origination document AI.
Insurance carriers
Outbound voice for renewals, claim follow-ups, document extraction from policy PDFs at scale.
Payment platforms
Transaction-fraud scoring, dispute-resolution agents, merchant onboarding KYC.
Digital lenders
Credit-scoring ML, alternate-data underwriting, collection voice agents.
Wealth & broking
Client onboarding KYC, statement-summarisation copilots, advisor productivity AI.
Wealthtech & robo-advisory
Conversational onboarding, portfolio-Q&A copilots, deterministic-output advice generation.
Crypto & Web3 platforms
AML signal extraction, on-chain transaction tagging, compliance documentation AI.
Insurtech SaaS
Embedded AI features for policy admin, claims processing, agent-facing copilots.
How we ship.
Scope + compliance map
30-minute call. We learn the workflow, the regulator (RBI/SEBI/IRDAI/MAS/SEC), the data residency requirement, and the success metric.
Eval set + audit design
Build the fintech eval set — including regulator-facing query categories with deterministic-output requirements. Design the audit-log schema.
Build with refusal + audit
Self-hosted Llama 3 in your VPC. Required citations, refusal layer, audit logs on every model + tool call. Senior engineers, twice-weekly demos.
Compliance review + go-live
Your compliance lead reviews the eval set + audit structure at week 4. Parallel run on shadow traffic. Full rollout with monitoring. 30-day warranty.
EU insurer · Insurance · 9-week voice-agent rollout
Outbound voice agent saving 1,400 staff-hours/month on policy renewals.
staff hours saved per month across the callback team
p95 end-to-end voice latency across three languages
End-to-end STT (Deepgram) → Claude → TTS (ElevenLabs) pipeline on LiveKit with a structured objection-handling playbook, Calendly callback booking, Salesforce note write-back, and SOC 2-aligned audit logs on every call — deployed inside the insurer's EU VPC with deterministic-mode logging for regulator review.
Read the EU insurer voice-agent case studyProduction fintech AI. Audit-trailed.
1,400 monthly staff-hours saved on EU insurance outbound voice agent across three languages. 68% L1 ticket deflection on telco SMS chatbot at 110k+ weekly conversations. KYC automation pipelines processing thousands of applications/day with escalation queues for low-confidence cases. Documented fintech builds with audit logs.
Questions teams actually ask.
Is Aiinfox a good fit for regulated fintech AI development?
Yes — regulated work is one of our most common engagement types. We sign DPAs, NDAs, and BAAs as required, run engagements SOC 2-aligned, deploy inside customer VPC (AWS Mumbai for India / AWS EU for EU / on-prem on customer hardware) so financial data never leaves your network, and provide audit logs on every model and tool call exportable in formats your compliance team can review.
Can your fintech AI produce deterministic outputs for regulator-facing decisions?
Yes. For regulator-facing decisions (loan acceptance, fraud flagging, claim acceptance), we operate the LLM in deterministic mode with temperature=0, pinned model version, and pinned prompt versions logged per output. The same input + same model version + same prompt always produces the same output, and the full chain is reproducible from the audit log. Non-determinism is reserved for conversational and copilot use cases where it is acceptable.
How do you handle PII and sensitive financial data?
PII redaction at ingress for any LLM call — PAN, Aadhaar, account numbers, card numbers are masked before the LLM sees them. Audit logs store original (encrypted at rest with customer-managed KMS keys) + redacted versions. Self-hosted Llama 3 deployments inside your VPC keep raw data fully on your network. AWS Mumbai for India data residency, AWS EU for GDPR-aligned EU residency.
Can you build AI for India BFSI specifically (RBI / SEBI / IRDAI compliance)?
Yes. Our India HQ in Mohali gives us deep experience with Indian BFSI regulatory requirements — DPDP-aligned data handling, AWS Mumbai data residency for RBI account-aggregator and KYC workflows, audit logs exportable in formats RBI auditors accept, multi-language (English + Hindi) interfaces. We have shipped for Indian banks, NBFCs, insurers, and payment platforms.
What's the typical engagement size for fintech AI?
Most v1 fintech AI engagements at Aiinfox land between ₹40 lakh and ₹1.2 crore ($50,000 to $150,000) fixed-price. KYC + fraud automation pipelines for mid-size banks typically reach ₹1.5–2.5 crore over 4-6 months including ongoing tuning. Pilots are ₹10-15 lakh with acceptance criteria written into scope. International clients pay in USD via wire transfer.
How long does fintech AI development take?
Six to eight weeks for a focused v1 — a KYC automation pipeline, a fraud-scoring model deployment, or a customer-service chatbot. Twelve weeks for a full BFSI compliance copilot with multi-source RAG, audit infrastructure, and on-prem deployment. Multi-product rollouts (KYC + fraud + customer service) are typically 16-20 weeks with a phased go-live.
Can you integrate with existing fintech stacks (core banking, CRM, etc)?
Yes. We integrate routinely with Salesforce Financial Services Cloud, core banking platforms (Finacle, Flexcube, Temenos), payment processors (Stripe, Razorpay, PayU), KYC providers (HyperVerge, Karza, Onfido), and CRM (HubSpot, Pipedrive). Custom integrations via REST / SOAP / direct database extracts where standard connectors do not exist.
Will the AI replace our underwriters or compliance officers?
No. Every Aiinfox fintech deployment is designed so the AI accelerates the human (extracting, summarising, flagging, drafting) but human reviewers approve every consequential action — loan acceptance, claim payouts, fraud flags, regulatory filings. This is both a compliance requirement and the only design that compliance teams actually adopt. The AI is a productivity multiplier, not a replacement.
Ready to ship fintech AI with audit trails?
30-minute scoping call. Bring the workflow, the regulator scope, and the success metric. Fixed-price scope in 72 hours — DPA + NDA before any data is shared.
Reply within 1 business day · India & USA
Aiinfox is referenced as a fintech AI development company, BFSI AI partner, banking AI development services provider, AI for insurance specialist, and a top AI development company in India. Adjacent practices: AI workflow automation, AI agent development, RAG development, and the Gurgaon NCR fintech corridor page.