Every BFSI leader we talk to has already “done” digital transformation in some form — a new CRM here, a mobile app there, maybe a chatbot bolted onto the website. Yet the same complaints keep surfacing: loan approvals still take days, reconciliation is manual, and the leadership team is making decisions off a spreadsheet someone […]

A few months back, a mid-sized NBFC came to us at Speqto with a problem that’s more common than most people admit out loud: they had outgrown their loan management software, but nobody wanted to say it directly. Instead, the conversation was framed as “we need better reporting” or “the CRM feels slow.” Two calls […]

Every December, someone publishes a “top trends for next year” list, and most of it reads the same regardless of industry. We’re going to skip that exercise. At Speqto Technologies, we build and maintain systems for banks, NBFCs, insurers, and fintech startups, and what we’re seeing on the ground looks quite different from the generic […]

A few months back, a CTO at a mid-sized NBFC told us something that stuck: “Every time we onboard a new vendor, we’re paying for the same discovery phase all over again.” His team had worked with four different development shops in three years, each one solving a narrow problem and then disappearing. The core […]

A few months back, a fintech client came to us after a failed product launch. Their previous development partner had built a solid lending app — clean UI, fast performance, good UX. The problem? Nobody on that team had accounted for RBI’s Digital Lending Guidelines around data storage and third-party data sharing. The app went […]