Data Science

Last quarter, a mid-sized NBFC we work with needed four senior Java developers to migrate their loan management system before RBI’s new compliance deadline. Their HR team had been running the hiring process for eleven weeks. Three offers were made. Two candidates ghosted after accepting, one joined a competitor for a better package mid-negotiation. The […]

At Speqto Technologies, we’ve spent the better part of a decade building software for banks, NBFCs, insurance companies, and fintech startups. Over that time, we’ve seen the same outsourcing mistakes repeat themselves across companies that otherwise have sharp business instincts. Financial services leaders know how to evaluate risk in lending books or investment portfolios, but […]

A few months back, we sat in a review call with an NBFC client whose loan origination system had grown into a genuine mess. Every time they wanted to launch a new lending product or plug in a fresh credit bureau, their engineering team had to rebuild integration logic from scratch. Six weeks of “simple […]

Ask any operations head at a bank, NBFC, or fintech where their biggest risk actually lives, and rarely will the answer be “cybersecurity” or “market risk.” More often, it’s something far less glamorous — a reconciliation sheet that someone forgot to update, an approval that sat in an inbox for four days, or a compliance […]

Every fintech founder we’ve worked with at Speqto Technologies has faced the same dilemma at some point: ship fast to grab market share, or slow down and build things properly. The good news is that this isn’t actually an either-or choice. We’ve helped payment platforms, NBFCs, and digital lending startups launch in months, not years, […]