Insights
Techpuvi Notes.
Engineering, AI, and the work of building software that lasts.
Neobanking Infrastructure in India: BaaS Providers Compared
Building a neobank in India means partnering with a regulated bank via BaaS. Here's an honest comparison of the major players, what they enable, what they don't, and how to choose.
Fraud Detection Patterns in Indian Fintech: 7 We've Shipped
Seven concrete fraud patterns we've built across lending, payments, and KYC products in India, what each looks like, what we use to catch it, and what the eval rubric is.
Building a UPI-First Lending App: Architecture from KYC to Disbursal
A complete architecture walkthrough for a UPI-first lending app, KYC, underwriting, disbursal, repayment, recovery. Designed for India's regulatory realities.
Account Aggregator Integration for Fintech: The Developer's Playbook
AA is now mandatory infrastructure for Indian fintech. Here's the developer's view, architecture, sandbox onboarding, consent flow, FIU/FIP roles, and the gotchas no one warns you about.
RBI Digital Lending Guidelines: What Your Software Must Comply With
The RBI's digital lending guidelines aren't legal trivia, they're architectural requirements. Here's what your software must implement, with concrete patterns.
How to Choose a Fintech App Development Partner in India (2026 Guide)
A checklist for evaluating fintech development partners in India, RBI experience, DPDP readiness, KYC depth, post-launch retainer model, code ownership, and the questions that separate real builders from agencies that pretend.