AI-First ยท India & MEA ยท 10 Countries

One Platform.
Six Products.
Infinite Possibilities.

Teknospire's full financial stack powers banks, corporates, governments and fintechs-from last-mile agent banking to AI-driven reconciliations, treasury, lending, and open finance.

$90Bn+Transaction Value
500Mn+Transactions Processed
10+Countries Live
Our Product Suite
Who We Serve
๐ŸŽฏ
  • FinX- & Digital Banking
  • FinRecon-Reconciliation & Close
  • FinStream-Treasury Management
  • FinCredX-Digital Lending
  • FinEscrow- Fund Governance
  • FinOpen-Open Banking Platform
Target Segments
๐Ÿฆ
  • Banks & FIs
  • Corporates
  • Governments
  • Fintechs
Countries Live
10+
AI Reconciliation Engine

FinRecon- Truth,
in Every
Transaction.

Automate reconciliation with intelligent matching, exception handling, and audit-ready workflows.

Reconciliation Engine
FinRecon ยท Live
๐Ÿ”„
  • Auto-matched Transactions12,847
  • Exceptions Flagged23
  • Continuous ReconciliationLive
  • Audit-ready Records100%
Match Accuracy
AI-Assisted
โœ…
98.5%
โ†‘ Auto-reconciled
Audit Findings
Zero
Post-deployment
Treasury & Liquidity

FinStream- See
EveryFlow.

Gain real-time visibility across banks, accounts, and currencies from a single interface.

Treasury Overview
FinStream ยท Live
๐Ÿฆ
$4.82M
โ†‘ 18.4% vs last month
Cash Pools
Multi-bank
๐Ÿ’ฐ
  • Multi-bank Visibility
  • Multi-currency Tracking
  • Consolidated Positions
Admin Saved
93%
Less manual work
Open Banking Infrastructure

FinOpen- Connected
Without
Limits.

Integrate banks, fintechs, and enterprise systems through a unified API-driven architecture.

API Gateway
FinOpen ยท Live
๐ŸŒ
  • API-first Architecture
  • Bank Integrations
  • Partner Connectivity
  • High Availability
Integrations
Live Connections
๐Ÿ”—
200+
โ†‘ API Endpoints
Uptime SLA
99.9%
Guaranteed
Embedded Credit Intelligence

FinCredX- Decisions,
Instantly.

Transform transaction data into real-time credit insights and financing decisions.

Credit Dashboard
FinCredX ยท Live
๐Ÿ’ฐ
  • Approved-Real-time decisioning
  • Under Review-Data-driven scoring
  • Declined-Adaptive risk evaluation
  • Intelligent Credit Insights
AI Credit Score
Bureau + Alt Data
๐Ÿค–
94%
โ†‘ Repayment rate
Decision Time
<60s
Sub-minute approvals
Escrow & Fund Governance

FinEscrow- Trust,
Built Into
Every Flow.

Control fund movement with automated conditions, milestone-based releases, and compliance-ready workflows.

Escrow Flow
FinEscrow ยท Live
๐Ÿ 
  • Funds Securedโœ“
  • Conditions Verifiedโœ“
  • Milestone Achievedโœ“
  • Funds Releasedโ†’
Compliance
UAE ยท KSA ยท Oman
๐Ÿ”’
RERA
โ†‘ Compliant & Ready
Audit Trail
100%
End-to-end
Digital Banking Platform

FinX- Banking,
Beyond
Branches.

Enable wallets, agent networks, and community banking to extend financial access at scale.

FinX Agency Network
Live ยท Real-time
๐Ÿ“ฑ
  • Multi-channel Onboarding
  • Agent-led Distribution
  • Wallet-enabled Ecosystem
  • Cross-network Interoperability
Inclusion Impact
Women-Led
๐ŸŒ
57%
โ†‘ Women clients
Active Agents
1,500+
163K+ clients

Trusted by financial institutions across GCC & MEA

2015Founded
$90Bn+Transaction Value
0Mn+Transactions Count
0+Live Countries
ZeroDowntime SLA
Our Story

A decade of Bank-tech innovation, from wallets, banking software to treasury and open banking to AI powered workflows

Founded in 2015 to help financial institutions digitize their banking and payments infrastructure so the unbanked can be served. Through our flagship platform FinX, we partner with banks, MFIs, NBFCs, and fintechs across the globe.

We have operated in association with local authorities in Zimbabwe, Zambia, Nigeria, Senegal, Madagascar, DRC, Ivory Coast, Mali, Burkina Faso, and India. Our MEA operations - including Oman and Saudi Arabia - are registered as Future Connect Technology (FCT).

View Our Journey โ†’
Today ๐Ÿ›๏ธ
Enterprise & Government Scale
AI-powered treasury, reconciliation and escrow live across banks, corporates and Ministries of Finance in 10+ countries.
2023 ๐Ÿค–
AI Products Launched
FinRecon AI and FinStream treasury management go live for enterprise clients across GCC.
2020 ๐ŸŒ
8 African Nations
FinX Mobile Banking deployed simultaneously across 8 countries-reaching 163K+ clients.
2016 ๐Ÿ“ฑ
First Africa Deployment
Zimbabwe & Mozambique-agency banking and bill payments go live.
2015 ๐Ÿš€
Founded in Bengaluru
Teknospire founded to digitize financial infrastructure for emerging markets.
Case Study

Optimising Global Liquidity with FinStream

A rapidly expanding multi-entity corporation centralised and automated treasury operations across 12 global banking partners.

18%Reduction in external borrowing (Year 1)
93%Reduction in treasury admin time
100%Sweep accuracy achieved
ZeroAudit findings post-deployment
  • Auto-connect 150+ bank accounts across 12 global banking partners
  • Eliminate manual cash pooling and spreadsheet dependency entirely
  • Automate intercompany loan tracking with built-in interest calculations
  • Enable multi-currency sweeping across 8 currencies with real-time visibility
View Full Case Study โ†’
Download the Case Study
Get the full FinStream treasury transformation story

๐Ÿ”’ We respect your privacy. No spam, ever.

Product Suite

Transforming Financial Infrastructure

Nine intelligent platforms designed to modernise every layer of your financial operations-from AI reconciliation to doorstep digital banking.

๐Ÿ”œ Coming 2026
FinOpen
Open banking platform enabling secure data sharing between banks and third-party providers.
2026
๐Ÿ”œ Coming 2026
FinCredX
Credit exchange product-access new credit bureaus and share financial data securely.
2026
๐Ÿ”œ Coming 2026
FinVam
AI-driven vendor and asset management platform for CFO-level control and reporting.
2026
Why Choose Us

Built Different, By Design

Eight core principles that make Teknospire the trusted infrastructure partner for financial institutions across emerging markets.

๐Ÿค–
AI-First Design
Harness artificial intelligence for automation, prediction, and smarter financial decisions across every product.
โšก
Open Banking Ready
Seamlessly integrate with banks, ERPs, PSPs, and third-party ecosystems via robust API infrastructure.
๐Ÿ”
Enterprise-Grade Security
Built with bank-level compliance, AES-256 encryption, and ISO 27001:2022 regulatory alignment.
๐Ÿš€
Faster Time-to-Value
Deploy quickly with modular, API-first platforms designed to scale as your institution grows.
โš™๏ธ
End-to-End Automation
From payments to reconciliation, treasury to escrow-complete financial workflows in one suite.
๐Ÿ“‹
Compliance by Design
Audit-ready logs, regulatory reporting, and embedded governance at every step of the process.
๐ŸŒ
Regional Relevance
Tailored for GCC and Africa with multilingual, multi-currency, and local compliance support.
๐Ÿ“ˆ
Proven Scalability
Trusted to handle 500Mn+ transactions and $90Bn+ in flows across markets worldwide.
Client Stories

What Our Clients Say

"

When you are operating in rural and semi-urban markets, where connectivity is inconsistent and transactions are highly sensitive, the technology cannot fail even onceโ€ฆwe needed a system that is reliable, scalable, and deeply aligned with our field operationsโ€ฆour teams are focused on customer relationships and financial inclusion, not on managing complex tech systemsโ€ฆwe wanted a partner who understands the ground reality and can build around itโ€ฆthatโ€™s where Teknospire stood outโ€ฆthey didnโ€™t just give us a product, they adapted their technology to our ecosystem and helped us grow with confidence.

CFO
BAOBAB Finance Director
Multi-entity Corporation, GCC
"

Through FinX Agency Banking, weโ€™ve built a network of 1,500+ agents who are now reaching over 163,800 clients-with women making up 57% of those served. Each of these numbers represents a real person gaining access to financial services that were once out of reach.

BB
BANK MUSCAT Operations Head
Baobab Financial Services
Technology

AI-Powered By Design

Every product in the FCT suite has purpose-built AI capabilities-not bolted on, but embedded from the ground up.

Backend
Python FastAPI Kafka
Frontend
React Next.js
Data & AI
PostgreSQL ML / NLP
Infra & Security
AWS / Azure AES-256 REST ยท ISO 20022
๐Ÿ”„
FinRecon
98%
Auto-Reconciliation
AI Matching Engine-98% auto-reconciliation with zero human intervention on matched transactions.
๐Ÿฆ
FinStream
90d
Cash Flow Forecast
Predictive Cash Flow-90-day ML forecasts with anomaly detection and sweep automation.
๐Ÿ’ฐ
FinX Lending
<60s
Loan Decisioning
AI Credit Scoring-Sub-minute loan decisioning with configurable business rule engine.
๐Ÿ’ฌ
FinX Conversational
NLP
Natural Language
NLP Banking-Natural language transactions via WhatsApp, SMS, and in-app chat.
Our Journey

From 2015 to 2025

A decade of resilient delivery across multiple markets, bridging the gap for the unbanked and building the future of financial infrastructure.

Founded ยท 2015
  • Founded Oct 2015
  • FinX product line kick-off
2015
2016
First Africa ยท 2016
  • FinX Bill Payments & Agency Banking
  • Zimbabwe & Mozambique
India Expansion ยท 2017
  • FinX Wallet-India & Nepal
  • Agency Banking-Zambia
2017
2018
Hylobiz ยท 2018
  • Hylobiz Collection & Payout
  • India & UAE-SMBs
UAE Launch ยท 2019
  • FinX Wallet & Remittance
  • UAE deployment
2019
2020
Scale ยท 2020
  • FinX Mobile Banking
  • 8 African Nations
Pivot ยท 2021
  • Sold Hylobiz to Indian FinTech
  • Product pivot to B2B
2021
2022
Agency Scale ยท 2022
  • FinX Agency Banking
  • Agency Banking multi-country rollout
AI Launch ยท 2023
  • AI-powered FinRecon launched
  • FinStream launched
2023
2024
Escrow ยท 2024
  • FinEscrow launched
  • A91 PropTech platform
Government ยท 2025
  • FinStream-Ministry of Finance
  • GCC expansion deepens
2025
2016-First Africa
Zimbabwe & Mozambique Go Live
First cross-border deployment of FinX Bill Payments and Agency Banking in Africa.
2020-Scale
8 African Nations Onboarded
FinX Mobile Banking deployed across eight African nations simultaneously.
2023-AI Launch
FinRecon AI Goes Live
AI-powered reconciliation and FinStream treasury management launched for enterprise clients.
2025-Government
Ministry of Finance Implementation
FinStream implemented for government treasury single account (TSA) management.
Global Presence

Where We Operate

Deployed across 10+ countries with on-ground teams, local partnerships, and 24/7 support infrastructure.

Teknospire global presence map
Markets We Serve

Industries We Empower

From central banks to fintechs, from governments to real estate-our platforms are built for every player in the financial ecosystem.

๐Ÿฆ Banks & Financial Institutions
๐Ÿ’ณ Fintechs & Payment Service Providers
๐Ÿข Corporates & Conglomerates
๐Ÿช Small & Medium Enterprises
๐Ÿ›๏ธ Government & Public Sector
๐Ÿ—๏ธ Real Estate & Infrastructure
๐Ÿ’ผ Investors & Custodians
โš–๏ธ Regulators & Industry Bodies
Regulatory Compliance

Compliance Across Every Market

Built to meet the regulatory requirements of India, GCC, and Africa-with certifications and frameworks embedded, not added later.

๐ŸŸข
ISO 27001:2022
Information Security Management-Certified and active across all deployments.
๐ŸŸข
PCI-DSS
Payment Card Industry Data Security Standard-certified for card-present and digital transactions.
๐ŸŸข
GDPR
Data protection compliance for EU and aligned markets with privacy-by-design principles.
๐ŸŸข
AML / KYC
Anti-money laundering and Know Your Customer frameworks built into every onboarding flow.
๐ŸŸก
ZATCA
Saudi e-invoicing authority compliance-ready for FCT Saudi 2026 launch.
๐ŸŸก
NCA / PDPL
Saudi National Cybersecurity Authority and Personal Data Protection Law alignment.
๐ŸŸข
SOX
Sarbanes-Oxley financial controls with immutable audit trails and approval workflows.
๐Ÿ”ต
SOC 2 Type II
In progress-Q3 2026 target. Unlocking North American and European enterprise markets.
Security & Compliance

Enterprise-Grade Data Security

Our solutions safeguard customer data and meet regulatory compliance with a centralised solution for authentication, authorization, and entitlements.

๐Ÿ”
Access Control, Limits & Approvals
Granular permission management with configurable approval workflows across all financial operations.
๐Ÿ“‹
Immutable Audit Trails
Every transaction, access event, and configuration change is logged for complete regulatory traceability.
๐Ÿงฉ
Unified Identity Management
Powerful entitlements engine with industry-specified INFOSEC policies compliance built in.
๐Ÿ›ก๏ธ
ISO 27001:2022 CertifiedInformation Security Management System
  • Data Encryption AES-256 Active
  • Multi-Factor Authentication Enabled
  • GDPR Compliance Compliant
  • PCI-DSS Certified
  • ZATCA / SADAD (Saudi) Ready
  • SOC 2 Type II In Progress
Deployment Options
Cloud (SaaS)On-PremiseHybrid
What's Next

2026 Roadmap

Expanding into Saudi Arabia, deepening our GCC footprint, and launching next-generation AI features across our product suite.

Q1
Q2
Q3
Q4
01
Q1 2026
AI Treasury Forecasting
Launch of predictive cash flow AI engine in FinStream-90-day rolling forecasts with anomaly detection built-in.
FinStreamAI/MLForecasting
In Development
02
Q1 2026
Saudi Arabia Launch
Full FCT operations launch in Saudi Arabia with ZATCA e-invoicing, SADAD integration, and NCA cybersecurity compliance.
FCT SaudiZATCASADAD
Planned
03
Q2 2026
FinRecon v3.0
Next-gen reconciliation engine with multi-entity support, real-time ERP sync, and generative AI exception resolution.
FinReconGen AIERP Sync
Roadmap
04
Q2 2026
FinOpen & FinCredX
Open banking platform and credit exchange product launches-enabling banks to share data securely and access new credit bureaus.
FinOpenFinCredXOpen Banking
Roadmap
05
Q3 2026
SOC 2 Type II Certification
Completing SOC 2 Type II audit to strengthen enterprise trust and unlock North American and European market entry.
ComplianceSOC 2Enterprise
In Progress
06
Q4 2026
FinVam & AI Analytics Suite
AI-driven vendor and asset management platform + cross-product analytics dashboard for CFO-level reporting.
FinVamAnalyticsCFO Suite
Planned
Available across GCC & MEA ยท 10 countries live

Ready to Transform Your Financial Infrastructure?

Join leading banks and enterprises across 10 countries who trust Teknospire to modernise their financial operations.

๐Ÿ”’ ISO 27001:2022 Certified ยท PCI-DSS ยท No-obligation demo ยท 10 countries live

๐Ÿ“… Book a Demo
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