Decimal

Decimal Technologies is a no-code enterprise application platform and tech-fin organization specializing in transforming banking, financial services, and insurance (BFSI) through innovative digital solutions. The company provides a comprehensive platform enabling financial institutions to rapidly expand their business operations while improving customer experience and reducing operational complexity.

Core Products and Services

• Vahana Cloud Platform – Proprietary no-code, full-stack application platform enabling non-technical users to configure (not develop) native mobile applications across iOS, Android, and Web (PWA) for mission-critical banking and financial services solutions with Mobile-First approach

• Digital Customer Onboarding Solutions – Instant digital account opening enabling customers to complete KYC verification and account setup in under 5 minutes through assisted and self-service models using Aadhaar-based authentication with straight-through processing

• Digital Lending Platform – Comprehensive lending marketplace (Saarathi) and AI-enabled decisioning system for rapid loan processing, underwriting automation, lead management, and credit assessment with ML-powered risk evaluation

• Banking Sales Enablement Solutions – Mobile workforce productivity tools enabling banks and financial institutions to track sales performance, manage leads, and reduce customer acquisition costs through direct customer engagement

• Video Banking and Assisted Services – Digital assistant and video conferencing capabilities for remote customer service, product consultations, and assisted account opening for enhanced customer experience

• Vahana Hub (API Marketplace) – Integrated API ecosystem with ready-built integrations to major data providers (UIDAI, NSDL, GSTIN, CIBIL) and third-party partners (Probe42, Authbridge, Perfios, Vaultedge) enabling rapid ecosystem connectivity

• Collection and Loan Management – Back-office workflow automation and digitization for loan servicing, collections management, settlement processing, and operational efficiency

Business Model & Revenue Streams

• Enterprise SaaS licensing model where banks, financial institutions, insurance companies, and fintech platforms pay subscription fees for Vahana Cloud platform access with usage-based components and customization services

• Professional services revenue from implementation, configuration, and deployment of solutions for enterprise clients; training and support services for platform users

• API marketplace revenue from transactional fees on Vahana Hub integrations where enterprises consume third-party services through the platform

• Enterprise customer base includes top-tier banks (India's 2nd largest private bank), insurance providers, and fintech companies leveraging platform for mission-critical applications; 200+ employees with global presence across Americas, Middle East, and India

• Annual revenue in range of ₹100-500 crore (US$12-60 million equivalent) based on organizational scale; successful partnerships with Vue.ai and other ecosystem players for AI-powered enhancements