Technology

Every BFSI and fintech leader we’ve worked with at Speqto Technologies eventually asks us the same question: “Our monolith works fine today, so why should we spend money breaking it apart?” Fair question. The honest answer is — you shouldn’t do it for today. You do it for the three years after today, when your […]

Over the last few years, our team at Speqto Technologies has built portals for NBFCs, cooperative banks, insurance brokers, and a couple of wealth management firms. One thing that keeps surprising clients: the hardest part is rarely the UI. It’s getting core banking integrations, compliance workflows, and support escalation to work together without the whole […]

Most banks we talk to aren’t short on fraud rules. They have hundreds of them — thresholds on transaction amount, geography mismatches, velocity checks, blacklisted IFSC codes. The problem isn’t the lack of rules; it’s that fraudsters have learned to operate just below every threshold. That’s where AI earns its place, not as a buzzword, […]

We’ve sat across the table from enough BFSI and fintech leaders to notice a pattern. Nobody wakes up one day and decides their vendor is a problem. It happens slowly — a delayed release here, a “we’ll check and get back to you” there — until one day you realize your product roadmap is being […]

Every fintech founder we’ve sat across the table with asks some version of the same question: “Will this architecture hold up when we go from 10,000 users to 10 lakh?” It’s a fair worry. BFSI platforms don’t get the luxury of a slow ramp-up — a UPI integration, a loan disbursal module, or a trading […]