Industry — Banking & Financial Services
We build customer-facing and back-office banking software for institutions that carry a legacy core, an audit trail obligation, and a release window that closes on Sunday night. We integrate with what you have instead of asking you to replace it.
Banking & Financial Services
Banking projects rarely fail on the feature list. They fail where the new system meets the old one: a core that only exposes overnight batch files, a payment rail with its own release calendar, customer data that cannot leave the jurisdiction, and a change window that closes before Monday's cut-off.
Aryavos builds inside those constraints. We deliver the customer-facing apps, back-office tooling, and integration layers that sit around your core — with the logging, access control, and documentation your risk and audit teams will ask for. Which obligations are in scope, from PCI-DSS to GDPR to KYC and AML workflows, is agreed at the start and designed into the build rather than retrofitted after launch.
What We Build
Work for banks, credit unions, lenders and payment companies — usually alongside an existing core, an incumbent vendor, and a release calendar we do not control.
Move functions off the core one at a time behind an API and event layer, so the old system keeps running while it gradually loses responsibility — instead of a single cutover weekend nobody wants to sign off.
Retail and business banking apps for web and mobile — onboarding, accounts, payments, statements and servicing — built to degrade gracefully when a downstream system is in its maintenance window.
Lending, neobanking, wallet and embedded finance products, including the unglamorous parts: sponsor-bank integration, ledger design, reconciliation and dispute handling.
Payment initiation, gateway and rail integration, idempotent transaction handling, and reconciliation that survives partial failures and late settlement files.
Origination, decisioning, servicing and collections workflows — with versioned rules and decision logs, so a credit decision taken months ago can still be explained.
Portfolio and advisory platforms: market data ingestion, position and performance calculation, statements, and role-based access that separates what an advisor sees from what a client sees.
Engineering Stack
Java
Python
JavaScript
Swift
React
Angular
Node.js
Flutter
PostgreSQL
MongoDB
MySQLHow We Work
The things that tend to decide whether a banking project holds up once it is past the demo and into a change-controlled environment.
Mobile, web, branch tooling and the support console drift apart when three teams build them against three different integrations. We build them against one contract, so a balance, a limit or a fee reads the same whether a customer checks it at midnight or an agent checks it on a call.
Payday, month-end and incident days are the load profile that matters. We design for concurrency, back-pressure and slow downstreams rather than for a clean benchmark on an empty database.
Encryption in transit and at rest, MFA and biometric options, least-privilege access, secrets management and dependency scanning — with threat modelling during design rather than surprises during the penetration test.
Shared codebases, automated tests and infrastructure as code keep year two cheaper than year one. Runbooks and documentation are part of the handover, so you are never paying us for access to your own system.
On-premise, private cloud or hybrid, including split deployments and residency boundaries where a regulator or an internal policy requires the data to stay put.
Message formats, scheme rules and reconciliation logic are part of the requirements we work from — not something handed back to your team to translate for us.
Key Features
None of these are difficult in isolation. They get difficult when they have to agree with the core, survive a downstream outage, and leave a record someone can audit six months later.
Balances, statements and transaction history — including the honest handling of the moments when the core returns a stale balance, a partial response, or nothing at all.
Accounts, cards, loans and insurance served from a single product catalog, so a rate or an eligibility rule changes in one place instead of across six screens and two apps.
Payment, balance and security alerts with per-customer preferences, delivery retries and a record of what was sent — which is what gets pulled up when a transaction is disputed.
Internal, inter-bank and bill payments with idempotency on retries, an unambiguous pending-versus-settled state, and receipts that reconcile against the ledger.
Locations with opening hours, accessibility details and current service availability, cached on the device so they still resolve on a weak connection.
Chat, case history and self-service actions, with a handover to a human agent that carries the context the customer already typed instead of starting the conversation again.
Frequently Asked Questions
The problem, who it's for, and where you are now. That's enough for us to come back with something useful.
hello@aryavos.com
HQ
Noida, India & New York, USA
What happens after you send it
A developer reads it, not an auto-responder. Expect questions about scope and constraints first, then a suggested way to start.
