← State of Embedded Finance 2026

Decimal Technologies

Can a no-code banking infrastructure platform become the composable operating layer that powers digital banking transformation for financial institutions across India and emerging markets?

HQGurgaon, Haryana, India
IndustryInfrastructure / BaaS
The story

Decimal Technologies began as a no-code enterprise application platform and pivoted to become a dedicated AI-driven digital banking infrastructure provider for regulated financial institutions. Its vSuite platform now powers end-to-end digital banking journeys — from customer onboarding and KYC through lending origination, channel payouts, and SME banking — for 35+ banks and NBFCs primarily in India and the Gulf. The embedded finance layer (launched later) extends this infrastructure to non-bank platforms via white-label APIs, positioning Decimal as an enabler of bank-grade capabilities for fintechs and enterprises.

Last 12 months
2026-03
The stack
Lending
Digital Lending Origination (personal loans, auto loans, home loans, multi-product)AI-driven credit decisioning and underwritingBuy Now Pay Later (BNPL) platformSME / Business lending originationLoan disbursement automationiCollect (collections module)
Accounting gap: minor