Case study · financial services · India
Three engines, one platform, numbers that reconcile themselves.
A financial services group was running three businesses at once: people, customers and money. Each ran on its own subscription, and every month someone copied numbers between them by hand. This is what replaced that.
The problem
Why the usual answer stops working
The default is four or five subscriptions stitched together: one for the customer pipeline, another for HR, spreadsheets for reconciliation, something else for payouts. It works until it does not, and it fails in three predictable ways.
The numbers never agree
The pipeline says a deal closed. The finance sheet says the commission is still pending. Nobody can tell you which is true without half a day of cross checking, and the answer is stale by the time it arrives.
Compliance lives in somebody’s head
Filing dates, data handling obligations, partner agreements and the deadlines that come with them, all tracked informally until one of them is missed.
It does not scale
Painful at twenty five people and impossible at ten times that. Every new tool is another subscription, another integration, and another place the numbers can disagree.
What was built
What we built instead
One application. One login. The three engines that were living in separate tools now read from the same records, so there is nothing to reconcile between them.
People
Attendance with location verified check in, leave against financial year balances, payroll and payslips, tax declarations, and the whole employee lifecycle from the onboarding checklist through to final settlement.
Customers
Leads captured from every channel, website, social, walk in and referral, into one live queue. A multistage pipeline that handles loans, wealth and insurance side by side, where each file carries its own money model from sanction through to payout.
Money
The part most systems skip: matching what the banks actually paid against what was expected, flagging the gaps as disputes, and calculating payouts on money received rather than on optimistic projections.
The whole company on one screen
A single view for a director: who is in today, what is waiting for approval, how the pipeline is really doing, and every regulatory obligation with its deadline and its proof of filing.
Partners
External partners push business in through their own channel, with revenue share computed automatically and each partner structurally unable to see any other partner’s data.
The shapes
What it looks like
The real product belongs to the client, so these screens are illustrations drawn for this page in our own style, with sample data. The shapes are what matter: one view of the company, a pipeline that carries its own money model, and compliance with evidence attached.
Under the surface
Engineering decisions that mattered
Anyone can ship something that demos well. The harder problem is building something a business can still rely on years later, after the requirements have changed and the data has outgrown the first design. These five decisions are why this one holds.
Money is never floating point
Every amount is stored as whole paise and every calculation is exact. A commission that is off by a rounding error is a trust problem, not a bug report, so the arithmetic is written to make that impossible.
The server is the only source of truth
Totals and derived figures are computed once, on the server, never in the browser. Two managers looking at the same number always see the same number.
Fast on the phones people actually have
The application loads screen by screen instead of all at once, so the first load is quick on the low end phones and patchy connections a field team really uses.
Costs capped before launch, not after
Budget alerts and usage limits were configured before the system went live, so infrastructure spend stays inside a known monthly ceiling instead of arriving as a surprise invoice.
Documented for whoever comes next
A living architecture document is checked against the code as the system evolves, so it stays maintainable by someone other than the person who wrote it.
Why it holds up
The part that is hard to fake
Feature lists are easy to write. What makes this one hold up is the discipline underneath, which is unusual for an internal tool.
No guesswork in the money pipeline
There is deliberately no AI and no estimation anywhere near commissions, slabs, payouts or reconciliation. Every rupee traces to an explicit business rule you can read. In a financial platform that is not a limitation, it is the entire point.
Sensitive data is protected and every look is logged
Personal identifiers are encrypted rather than sitting in plain text, access to sensitive records is gated by role, and every reveal is written to an audit trail. You can answer who saw what, and when.
Compliance is tracked, not remembered
A live register of every obligation across the group, each with its deadline, its owner, a mandatory evidence upload and a reminder before it expires.
The money maths cannot silently break
Automated test suites run before every release, covering the calculations end to end. A change that would quietly alter a payout fails the build instead of reaching production.
The outcome
What changed
- Several subscriptions and a monthly reconciliation ritual became one platform, and the reconciliation happens on its own.
- Compliance moved from memory to a register with evidence attached, so it can be proved rather than asserted.
- A director sees the real state of the business on one screen instead of waiting for three reports to be assembled.
- Headroom to grow several times over without rebuilding, because the cost does not rise with every seat added.
- The firm owns the code, the repository, the hosting and the data. No per user fee, and no vendor holding the business hostage.
Your business
If this sounds like your business
The industry vocabulary changes and the shape does not. A distributor calls it batch and credit, a school calls it admissions and fees, an advisory firm calls it cases and payouts. In every one of them the same thing goes wrong: the tools stop agreeing with each other, and a person fills the gap by hand every month. If you recognise that, the monthly price by team size is one page away, or you can just tell us what you need below. If a packaged product would serve you better, we will say so on the call.