Financial
Services

Capital is not money. It is a system of trust, risk, and inclusion.

Banking is regulated. Value is engineered.

We advise banks, NBFCs, FinTechs, and investors with regulatory, risk, and digital rigor — from Paris to Pune.

Financial Services Value Chain Decision Matrix

05

Strategic Ecosystem & Inclusion

UPI, ONDC, AA, and financial inclusion stack.

04

Capital & Risk Architecture

IRB, ECL, stress testing, and capital optimization.

03

Digital & Customer Journey

Open banking, AI credit, and customer 360.

02

Regulatory & Compliance Framework

RBI, SEBI, SFB, and FinTech sandbox.

01

Operational Resilience & Recovery

NPA, SARFAESI, and real-time fraud systems.

Core Consulting Capabilities

Business Transformation & Digital Banking

UPI, ONDC, AA, and open banking operating model design.

  • UPI stack & ONDC financial services integration
  • Account Aggregator (AA) & consent framework
  • Core banking modernization (CBS, LOS, LMS)
  • AI/ML credit underwriting & fraud analytics
  • PSL compliance & priority sector lending strategy
  • High-performance digital bank organization

Turnaround & Restructuring Advisory

IBC-CIRP, PCA, and capital restoration for banks & NBFCs.

  • 13-week cash flow & NPA runoff modeling
  • RBI PCA framework & prompt corrective action
  • SARFAESI & DRT recovery optimization
  • DIP financing & pre-packaged IBC resolution
  • Lender committee & security enforcement
  • Operational stabilization & branch rationalization

Strategic Communications & Regulatory Advocacy

Reputation management, RBI/SEBI compliance, and policy engagement.

  • Crisis response (data breach, fraud, mis-selling)
  • Investor perception audits & equity story
  • RBI master direction & SEBI LODR advocacy
  • FinTech sandbox & SRO engagement
  • Media training & spokesperson prep
  • Internal change & culture transformation

Risk & Valuation Modeling

IRB, ECL, stress testing, and M&A valuation for banks & NBFCs.

  • RBI IRB approach & PD/LGD/EAD modeling
  • IFRS 9 ECL & forward-looking provision
  • RBI stress testing & ICAAP framework
  • Bank valuation (P/B, P/E, dividend discount)
  • FinTech GMV & customer LTV modeling
  • Lender information memorandum (IM) support

Transactions & Capital Markets

M&A, IPO, QIP, and SFB licensing for banks, NBFCs, and FinTechs.

  • Buy-side & sell-side due diligence
  • Quality of earnings & NPA bridge
  • SFB licensing & RBI in-principle approval
  • IPO, QIP, rights issue & DRHP drafting
  • Synergy modeling & integration planning
  • SEBI, RBI, CCI clearance strategy

The future of finance is not digital. It is inclusive.

We design the risk, compliance, and credibility to deliver it.

Begin Financial Services Mandate