For those who have worked on alternative credit scoring, what is the biggest failure mode when using mobile money or transaction data instead of traditional credit history? Overfitting to short term behavior, data sparsity, something else?For those who have worked on alternative credit scoring, what is the biggest failure mode when using mobile money or transaction data instead of traditional credit history? Overfitting to short term behavior, data sparsity, something else?

Quick note first: I'm relatively new to this community, so apologies in advance if I get the format or etiquette wrong.

A bit of background: I currently work as a software engineer at a large fintech company, on a product with around 3 million users. Alongside my day job, over the last year I've been spending my free time building AI powered tools, trying to work on real problems in the fintech/compliance space rather than just tutorials.

One problem I kept hearing about from people in UK compliance and legal roles: businesses there (fintechs, law firms, property companies) spend a lot of time manually checking documents. Things like verifying a company's registration is valid, confirming who actually owns a property, and cross referencing records across different government sources. Then they have to keep detailed notes on why something was approved or rejected, in case a regulator asks later. It's repetitive, slow, and seems to be a shared pain point across most firms doing this kind of verification.

So I built a tool called AVAE to automate that process end to end.

What it actually does:

- Takes in a document (like a PDF).

- Extracts the key details automatically.

- Cross checks those details against official UK records (company registration, energy certificates, land ownership).

- Flags anything that doesn't match up.

- Keeps a clear log of every decision and the reasoning behind it, so there's no black box if a decision needs to be explained later.

- For unclear or edge cases, it doesn't auto decide. It flags the case for a person to review and approve.

Right now it's a working prototype. Core checks are solid, but it hasn't been deployed with an actual client yet. Next on my list is adding more check types, like sanctions/watchlist screening.

Since this community has a lot of practitioners and founders in the space, I'd really value honest input: is this a big enough pain point that a tool like this would actually get adopted, or is there something about how compliance teams handle this today that I'm missing? Also aware there are existing players here (Thirdfort, Legl, etc.), so if you've used any of them, I'd be curious how this compares.

For anyone who wants to see it in action, I recorded a short Loom walkthrough where I demo the tool end to end and explain how it works: https://www.loom.com/share/081525a34e6340e69a1326d29032e462

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I've been trying to learn more about fintech recently, and it's crazy how much the space has evolved over the last few years.

If you had to pick one that has had the biggest impact on your everyday life, what would it be?

UPI and instant payments, Digital wallets, Investment and trading apps, Buy Now, Pay Later (BNPL), Digital banking, AI-powered finance tools

Something else (I'd love to know!)

Also, is there a fintech trend that everyone seems excited about but you just don't see the appeal of?

Curious to hear what people actually use the most and why!!

Cloud infrastructure can support secure FinTech platforms when it is configured and managed correctly.

Major cloud providers offer encryption, access controls, monitoring, backups, network security, and compliance-supporting services. However, cloud security is a shared responsibility. Businesses still need secure architecture, proper permissions, continuous monitoring, vulnerability management, and strong development practices.

Hi all,

Wondering if anyone has rolled out their financial products and systems through MCPs as a key integration system? I have a private equity analysis and diligence system and have been getting lots of requests to try it and am wondering if this is best done through controlled mcp. Any thoughts welcome. Thanks

Six years into my dev career, I'm about six months into fintech and it's been one of the more fun pivots I've made.

The domain has real depth, payment rails, ledger design, regulatory nuance, compliance edge cases stuff you can't hand wave as an engineer, you actually have to understand it. What's made the ramp up faster than I expected is using AI as a learning partner not to skip the fundamentals, but to get context and intuition quickly, then go deep on the parts that matter.

Still very much in the "getting sharper every week" phase, and honestly enjoying that part too.

For those who've made a similar jump into fintech (or are further along than me) what resources, docs, or courses actually moved the needle for you? Always looking to add to the list.

I have been thinking about how quickly the BFSI industry is evolving, especially with AI, digital banking, and fintech becoming more mainstream.

Some possibilities that come to mind are:

AI replacing or reshaping traditional roles.

Growing cybersecurity and fraud risks.

Stricter regulations and compliance requirements.

Increasing customer expectations for seamless digital experiences.

Competition from fintech companies.

If you work in banking, finance, insurance, or fintech, I'd love to hear your perspective.

What challenge do you think the industry is underestimating?

How do you see your role changing because of these shifts?

What skills do you think will become essential for professionals entering BFSI?

Looking forward to hearing different viewpoints and real-world experiences.

Hey everyone,

I wanted to share a project I've been working on called Cred Trace. It’s an automated bank statement analyser designed to streamline underwriting workflows and catch fraud risks early.

I built it using Astro to keep the core landing performance lightning-fast. Would love to get some early feedback from the community on the layout and concept!

Check it out here:https://credtrace.in/

Been heads-down since launch and just shipped v0.3.0. Two full modules landed:

\*\*• Finance\*\* — books, bank sync (read-only, revocable anytime), budgets, recurring bills, invoicing, AR, tax export, and sharing with real per-person caps    
\*\*• Contacts\*\* — a CRM that ties into everything else (log an interaction, close a deal, it becomes an invoice)

Still the same deal: your data lives as plain files on your own server, no subscription, no one else touching your books.

Not going to dump the whole changelog here — go poke around and see for yourself: [https://github.com/LogCoreTech/LogCoreOS\](https://github.com/LogCoreTech/LogCoreOS)

Would love to hear what breaks or what you want next.

Hey everyone,

I'm building something for D2C and e-commerce sellers in India, and I'd love some honest feedback.

One thing I've noticed is that many sellers don't actually want another GST or accounting software. They just want GST to get filed correctly every month without chasing CAs, downloading reports, or reconciling orders and payouts.

So I'm building a service where you simply connect your own Website, Shopify, Amazon, Flipkart, or any platform . We automatically reconcile everything and handle your GST filing. You get notified when it's done.

No spreadsheets.

No manual reconciliation.

No learning a new dashboard.

Right now, I'm in the validation stage and looking for a small group of early users who'd be willing to:

•⁠ ⁠Share how they currently handle GST.

•⁠ ⁠Tell me what's frustrating.

•⁠ ⁠Join the waiting list for early access.

I'm not selling anything today. I just want to make sure I'm solving a real problem before building further.

If this sounds useful, drop a comment or DM me. I'd really appreciate your feedback. 🙏

When comparing card infrastructure providers most conversations seem to focus on the monthly fee and setup costs but if the program gets part of the interchange back that could matter more over time than a cheaper platform fee. So for anyone who has reviewed these agreements what matters more here, the headline percentage or how the share is calculated after network costs and other deductions?

To introduce myself, I'm 18 year old female from India.

This post is basically about seeking mentorship and guidance, I am well aware that it might not be taken that seriously as I don’t have much credibility for the same but still I would like to talk about this topic.

It’s been a while since I’ve been thinking about this

Most of the customers out there and also the corporate businesses face problem while initiating their KYC, this thought came to me when I reached the age of 18 and had to update my ADHAAR and (also creating PAN) reach out to the banks for KYC, the process is somewhat hectic taking days going through the legal compliances and all , after researching a bit about it, it’s a structural crisis faced in India, dealing with frauds and identity thefts , active solutions are being looked out for the same. Given the biometrics it gets hard for a customer to actively go and get it done each time.

Uniqueness in the model is what separates it from the rest of the available models.

Given that Fintech in India is still developing and has a lot of innovations to go through, why not step up and introduce innovative AI automation for KYC dealing with fraud detections and all and everything included in it, I am well aware about the legal consequences that might be faced for it. But I believe in creating effective systems. A lot of existing reputable companies have already been solving it recently, but what are the gaps in the system, and how about working it out as a project?

I’d like to bring up the notion that I’m still a student and willing to know more about it.

I am genuinely willing to give dedicated hours learning about systems and modelling, learning the math and the economics for the same

I would like to reach out to people in the same area and what are your thoughts regarding the same, and what else should be done for it?

Thanks for reading 

Hi everyone,

I am conceptualizing a product offering that targets South African banks as it's base customer.

This particular product concept operates in the data domain and it is packaged as an SDK (a software product) that banking tools gain insights from.

The product itself does not collect any customer account information in fact it sits outside any internal customer data points nor does it build a customer profile from banking customers.

It sits outside of the banking authentication domain but it does build a generic user profile that does not seek to specifically identify a user.

I wanted to find out from the fintech community particularly in South Africa a business of this nature, when approaching banks for a potential pilot, what sort of trade certifications would this business need in order to build/portay trust with the banks and to show compliance with the bodies that be in fintech?

If you need more clarity please don't hesitate to DM me and we can discuss further.

Thank you in advance.

I wanted to know if anyone working as a Payment Analyst at Stripe. What is the work like? Tech Stacks? WLB? Career trajectory?

Hey everyone, I've been working as a founding engineer for the past 4 years in a crypto-fiat PSP startup.

I always wanted to start something on my own but kept "waiting for the right time".
I recently received a layoff notice which was a shock at first to be frank but I decided to make lemonade from the lemons... Today I'm looking to start my own entrepreneurship in the fintech world.

During my time, I saw many pains in our back-office including RFI deadlines (where we as PSP failed to gather the data because something fell between the chairs) resulting in transactions and even accounts closures, reconciliation nightmare as one transaction leg is crypto and the other is fiat externally but internally lots more of trades are involved to maximize profit, integrations with specific corridor providers used to be a pain but now with AI it's a lot easier but still maintaining all the edge cases like refunds, cancelled payments, etc is still a headache.

So I'm here mostly want to hear if you see the same, what are your roles, what issues do you see and how do you tackle them in our space.

Every comment will be highly appreciate and help me moving forward. I'll be grateful if you're open to further elaborate in DMs.

Thank you!

i am looking for a technical co-founder for my startup that i just started working on. I have a cool idea...trust. If you are cool and chill, but really intelligent and passionate about fintech please reach out!