Engineering the systems banking, payments and fintech run on.
Unlock Technologies, a fintech engineering company in Mumbai, designs and builds fintech applications, payment systems, and API platforms for banks, NBFCs, and financial-inclusion businesses across India — from legacy modernisation to AI-driven automation.
Transactions
Technology
The engineering foundations behind every platform we build — chosen for what regulated, high-volume financial systems actually demand.
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Cloud-Native Infrastructure
Containerised, horizontally-scalable services deployed across multi-region cloud infrastructure.
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Event-Driven Architecture
Asynchronous, event-driven pipelines built for real-time transaction processing at scale.
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API-First Design
Every capability shipped as a documented, versioned API from day one.
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Zero-Trust Security
Identity-aware access control and encryption enforced at every layer of the stack.
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Real-Time Data Pipelines
Streaming data infrastructure for fraud detection, reconciliation, and reporting.
Capabilities
Software engineering for the products and infrastructure financial institutions depend on.
Fintech Application Development
Customer-facing and back-office applications built for regulated financial products — from digital onboarding to servicing and collections — designed to hold up under audit and scale.
Explore the platform work
Payment Systems Engineering
Payment switches, gateways, and settlement flows engineered for accuracy, reconciliation, and uptime.
API Development
Documented, versioned APIs that let banks and fintechs expose products to partners safely.
Microservices Architecture
Domain-driven services that scale independently and ship without taking the platform down.
Legacy Modernisation
Phased modernisation of core banking and legacy platforms, run alongside live operations.
Industries
Built for organisations operating under regulatory and reliability constraints.
Banking
Core systems and digital channels for retail and corporate banks.
Fintech
Product engineering for lending, wealth, and neobank platforms.
NBFC
Loan origination, servicing, and collections systems.
Payments
Switches, gateways, and reconciliation at transaction scale.
Financial Inclusion
Access-first products for underserved and unbanked customers.
Digital Commerce
Checkout, wallets, and merchant platforms.
Shipping
Logistics and trade-finance systems for shipping businesses.
Let's build what your platform needs to run on.
Tell us what you're building or modernising — a member of the Unlock team will get back to you.