1,900+
Payroll platforms connected
A single integration layer reaching nearly 85% of the US workforce for employment and earned-income verification.
Earned wage access
Software that moves money, decides credit and holds up in an audit.
Built in production for US community banks, lenders and fintechs.
What our financial services clients shipped.
360,020
Applications processed for document fraud
Pay statements and bank statements checked by OCR, metadata and font analysis and machine learning models.
Document verification
Months
Concept to paying customers
A proprietary credit score, an onboarding flow and a risk monitoring dashboard, built and launched with signed contracts in hand.
Underwriting and onboarding
40+
Time and attendance systems integrated
Shift and hours data resolved alongside payroll to determine what a worker has actually earned today.
Earned wage access
Monolith to microservices
Without a delivery freeze
A financial planning platform re-architected while the existing product stayed live for its customers.
Financial operations platform
Bronze, silver, gold
A data foundation on AWS
Customer, application, employment, risk and payment data consolidated into layers that support eligibility decisions and regulatory reporting.
Earned wage access
Where Winjit builds in financial services.
Six areas, each with production systems behind it.
Onboarding, identity and KYC
Customer identity verification, business validation and intelligent data collection at the point of account opening.
BuiltKYC onboarding flows, company validation, applicant standalone flows
Income and employment verification
Employment status and earned income resolved across a fragmented payroll and time-and-attendance landscape.
BuiltPayroll connectivity layer, employment verification service, earned-income calculation
Credit and risk decisioning
Scoring models, real-time eligibility engines and the case management that sits behind an analyst review.
BuiltProprietary credit scoring model, advance eligibility engine, risk analyst case management, chief risk officer dashboard
Payments and disbursement
Movement of funds through banking and card-issuing rails, including instant payout paths.
BuiltBanking and payment rail integration, card issuing connectivity, instant payout flows
Document intelligence and fraud
Detection of altered and fabricated financial documents using OCR, metadata analysis and trained models.
BuiltSmart OCR pipeline, font and metadata forensics, income auto-calculation, document analysis reporting
Digital banking platforms
Neo banking, internet banking and mobile banking channels for retail and business customers.
BuiltAPI middleware connecting digital channels to the bank, with core banking integration for accounts and transactions
The systems, rails and data sources Winjit builds against.
Digital touchpoints and BaaS
Digital storefront and online banking
Mobile suite
Banking-as-a-Service and embedded finance
Open banking developer portal
Device and biometric auth, TOTP, SSL pinning, IP allow-listing, key rotation, server-side CAPTCHA
Middleware and orchestration
Request validation
Payload decryption
Authorization
API versioning
End-to-end encryption and tokenization
Source authentication, integrity checks, request dedupe, rate limiting
Core business services
Cache, database, file storage and identity data feeding every service below
Accounts and money movement
Account management
Payments and transfers
Beneficiaries
Bill payments
Card controls
Digital lending
Wealth management
Identity and risk
Identity service (KYC/AML/CIP)
Payload encryption
Customer engagement
Digital onboarding
Alerts and notifications
Communication service
Hyper-personalization for offers
Profile and limits
Service requests
Platform and ops
Admin service
Scheduled jobs
Logging
On-premise or cloud, horizontal and vertical scaling, containerised deployment, auto-scaling and monitoring
Core services and rails
Core systems of record
- Core banking systems
Payment rails and network
- Plaid
- Finix
- Raincard
Identity and verification
- Persona
- Plaid
Payroll, employment and data
- 1,900+ payroll platforms
- 40+ time and attendance systems
- AWS · dbt · Airflow
- Databricks · Looker
Integration is built against the system of record a client already runs. Replacement of a core is not a precondition for any engagement.
Winjit has delivered financial platforms at national scale across India, Mauritius, South Africa and Kenya, under multiple central bank regimes.
Two buyers. Two engagement shapes.
01 Community and regional banks
The core stays
IntegrationThird-party riskAudit evidence
- Integration to the existing core, digital banking platform and lending system rather than replacement of any of them
- Document and income verification inserted into lending and account opening workflows already in place
- Third-party risk documentation, control evidence and audit artifacts produced as part of delivery, not assembled afterwards
- Delivery under a vendor due diligence process, with named accountability and a US point of contact
Typical first engagement One workflow, instrumented and rebuilt, on the existing core.
02 Fintech and lending platforms
Roadmap, rails and regulatory surface
DecisioningRailsData platform
- Eligibility, scoring and decisioning engines built to a stated policy and instrumented for review
- Payment, payroll and identity rail integration, including the long tail nobody else wants to connect
- A data platform built early, because underwriting review and delinquency reporting are needed sooner than expected
- Scale-up and scale-down of the team against funding and roadmap reality
Typical first engagement One module, concept to production.
Compliance is a build constraint, not a review stage.
Financial software is shaped by the obligations attached to it. Those obligations enter the engagement at discovery.
Data protection and security
Customer financial data handling, access control, encryption and residency defined before delivery starts. SOC 2 and PCI DSS control requirements treated as build inputs.
Decisioning and model accountability
Scoring and eligibility logic built to be explained. Decision paths logged, model inputs recorded and adverse action reasoning retained, so a decision can be reconstructed after the fact.
Identity, onboarding and financial crime
KYC, customer identification and screening integrated into onboarding flows as enforced steps rather than optional checks.
Third-party risk and delivery evidence
Delivery runs under the assumption it will be examined. Control documentation, access records and change evidence are produced during the engagement.
The work, in full.
Earned wage access
Earned wage access platform
A payroll connectivity layer reaching 1,900+ platforms, built end to end from onboarding to instant payout.
Read the story
Underwriting and onboarding
AI underwriting platform
A proprietary credit scoring model and risk dashboard, concept to signed contracts in months.
Read the story
Document fraud detection
Document verification platform
360,020 applications screened for fraud through OCR, metadata and machine-learning models.
Read the storyQuestions engineering and risk leaders ask first.
No. Every engagement is built against the system of record a client already runs. Integration to the existing core, digital banking platform and lending system is the default, and core replacement has never been a precondition for delivery.
Yes. Scoring and eligibility engines are built so that decision paths are logged, model inputs are recorded and the reasoning behind a decision can be reconstructed after the fact.
Identity verification, company validation and customer identification are built into onboarding as enforced steps, integrated to specialist verification providers rather than reimplemented. Winjit has delivered this in production for US underwriting and earned wage access platforms.
Banking and card-issuing rails supporting secure fund movement and instant payout, integrated through providers including Plaid, Finix and Raincard.
Every US financial services programme is run from Winjit's New York office by a named engagement lead, who is the client's day-to-day contact. The engineering team in India overlaps with US Eastern time from 8:00 to 11:00 ET every working day for stand-ups, reviews and decisions. Engineering, QA, DevOps and release work all happen inside the client's own repositories and tools, so progress and access stay under the client's own controls.
SOC 2, PCI DSS, GLBA and applicable state privacy requirements are treated as build inputs. Access control, encryption, data residency and audit logging are defined before delivery starts, and the supporting evidence is shared with the client’s security and compliance teams during vendor review.
