What Decimal Technologies does

Decimal Technologies Private Limited is a Gurgaon-headquartered B2B SaaS company founded in 2009 that sells an AI-driven, composable digital banking platform called vSuite to financial institutions globally. The platform is built on a five-layer architecture (experience, orchestration, decisioning, integrations, and ecosystem) and is composed of modular products: vDesigner/vFlow for no-code UI and workflow building, vConnect for middleware, vModeler for visual data modeling, vRules/iBRE for business rules, vRuntime for execution, vHub for API marketplace and integrations, and GateX for AI decisioning. On top of vSuite, the company delivers vertical-specific solutions for retail banking (digital onboarding, digital lending, video banking, credit cards), wholesale banking (Vistaar distribution, channel lifecycle, payouts), SME banking (onboarding, lending, supply chain finance), insurance, and cross-industry document intelligence.

The platform is sold on an enterprise subscription basis with custom quote-based pricing, 99.9% uptime SLAs, and an average deployment time of eight weeks. Distribution is direct enterprise sales supplemented by system integrator alliances with Deloitte, Accenture, EY, and PwC. Customers include Kotak Mahindra Bank, AU Small Finance Bank, Yes Bank, UGRO Capital, Jana Small Finance Bank, JAFZA, and Masar Alnumou Finance across India, UAE, Saudi Arabia, the United States, and the Philippines. The company operates with 251-500 employees, completed a $3M seed round in December 2024, and is preparing for a Series A raise to fund geographic expansion and product roadmap acceleration.

Revenue is generated primarily through recurring SaaS subscriptions to the vSuite platform, with monetization anchored in enterprise contracts that bundle multiple modules (decisioning, integrations, workflow, document processing) under SLAs. The unit economics are supported by 1,500+ APIs, 600+ pre-built integrations, and 70+ ecosystem partnerships (credit bureaus, core banking, KYC, cloud), which serve as both a competitive moat and a basis for cross-sell and partner-driven pipeline.

Name

Decimal Technologies

Legal name

Decimal Technologies Private Limited

Website

https://decimaltech.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

251–500 employees

Short description

Decimal Technologies is a Gurgaon-based B2B SaaS company that sells vSuite, an AI-driven composable digital banking platform, to banks, NBFCs, fintechs, and insurers across India, the Middle East, and the United States. The no-code platform powers customer onboarding, lending origination, AI decisioning, video banking, and document processing for 35+ financial institutions.

Ownership category

akta.pro rank

Product category

Banking Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199)

akta.pro primary industry

Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)

akta.pro secondary industries

Credit & Overdraft Enablement (Credit Lines, Underwriting Integrations) (FSAGAAAJ), Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC)

Keywords

• No-code platform
• Banking software
• Enterprise applications
• Financial technology
• AI banking platform

Headquarters

HQ city

Gurugram

HQ country

India

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. SaaS Platform Subscription: Decimal generates revenue through SaaS platform subscriptions for their vSuite banking infrastructure platform. Services include AI decisioning, integration hub, workflow orchestration, and document processing. The platform is sold to financial institutions with enterprise agreements including SLAs, support response times, and performance guarantees.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Decimal Technologies provides vSuite, a no-code AI platform for intelligent banking that enables financial institutions to rapidly build, deploy, and manage enterprise applications. The platform offers a five-layer composable architecture comprising vDesigner, vFlow, vConnect, vModeler, vRules (iBRE), vRuntime, vHub, and GateX, and is trusted by 35+ leading financial institutions to power 400M+ accounts globally.

Product overview

Decimal Technologies offers vSuite, a comprehensive AI-driven digital banking platform with a modular, composable architecture. The platform comprises core components: vSuite (the foundational five-layer platform), vDesigner & vFlow (no-code UI and workflow builder), vConnect (middleware and orchestration), vModeler (visual data modeling), vRules/iBRE (business rules engine), vRuntime (execution layer), vHub (API marketplace and integration intelligence), and GateX (AI decisioning engine). Built on top of vSuite, the company provides industry-specific solutions across Retail Banking (Digital Onboarding, Digital Lending, Video Banking, Lead Management, Credit Card), Wholesale Banking (Vistaar Distribution Platform, Channels Lifecycle Management, Channels Payouts), SME Banking (Business Onboarding, SME Lending, Supply Chain Finance), Insurance (Onboarding, Lead Management), and Cross-Industry (Internal Workflows, iCollect, Document Management). The platform serves 35+ leading financial institutions across India, UAE, Saudi Arabia, United States, and Southeast Asia.

Differentiator

Problem solved

Functional benefit

Brands

• vSuite: AI Platform for Intelligent Banking - composable banking platform for configuring, automating and launching digital banking journeys, AI-driven decisioning, and financial products
• Vahana
• vHub
• GateX
• Vistaar
• iCollect
• vDesigner
• vRules (iBRE)

Products and services

• vSuite
• vDesigner
• vFlow
• vConnect
• vModeler
• vRules (iBRE)
• vRuntime
• vHub
• GateX

Quantifiable outcome

• Onboarding time reduced from days to minutes with 80% faster customer onboarding
• +6 more outcomes

Named customers9 records

Segments7 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration21 records

AI capability13 records

Feature10 records

Partnerships

13 partnerships are on record, tiered core and minor.

• AWScoreTechnology or IntegrationCloud infrastructure partnership providing cloud-native deployment capabilities for Decimal's platform on AWS cloud services
• Google CloudcoreTechnology or IntegrationCloud infrastructure partnership for hosting and running Decimal's banking platform on Google Cloud Platform
• Microsoft AzurecoreTechnology or IntegrationCloud infrastructure partnership for Azure-based deployment of Decimal's platform and services
• TransUnion CIBILcoreTechnology or IntegrationCredit bureau data partnership providing credit scoring and credit history data for loan decisioning
• CRIF High MarkcoreTechnology or IntegrationCredit bureau partnership for credit risk data and scoring services in the Indian market
• ExperiancoreTechnology or IntegrationGlobal credit bureau partnership for credit information and risk assessment services
• EquifaxcoreTechnology or IntegrationCredit bureau partnership providing alternative credit data and risk analytics
• FinaclecoreTechnology or IntegrationCore banking system integration with Infosys Finacle for seamless data connectivity
• TemenoscoreTechnology or IntegrationCore banking system integration with Temenos for enterprise banking platforms
• DeloittecoreImplementation/ SI/ Consulting PartnerSystem integrator partnership for implementation services and digital transformation consulting
• AccenturecoreImplementation/ SI/ Consulting PartnerSystem integrator partnership for consulting and implementation of Decimal's platform at enterprise clients
• EYminorImplementation/ SI/ Consulting PartnerConsulting partnership for advisory services on digital transformation and compliance
• PwCminorImplementation/ SI/ Consulting PartnerConsulting partnership for implementation and transformation services

Scale indicators14 records

Recent moves6 records

Expansion highlights7 records

Broad incumbents

• Temenos: Global core banking platform provider serving retail, corporate, and wealth management banks. Decimal integrates with Temenos and competes against it for the orchestration and experience layers atop core banking.
• Q2 Holdings: Provider of digital banking solutions for regional banks and credit unions including onboarding, lending, and data/analytics. Comparable as a US-listed B2B fintech SaaS for FIs, though larger and more established.
• Infosys Finacle: Core banking and digital banking suite from Infosys serving global banks. Decimal integrates with Finacle as a partner and competes against it for the digital experience and lending orchestration layer.
• Oracle Financial Services: Enterprise core banking, lending, and compliance platform from Oracle serving large global banks. Comparable as an incumbent BFSI software vendor competing for the same digital transformation budgets.

Direct peers

• nCino: Cloud-native banking operating system offering unified onboarding, lending, and account opening workflows for banks and credit unions. Closely comparable to Decimal's vSuite as a composable SaaS layer for FIs, with overlap in digital onboarding, credit decisioning, and SME banking.
• Mambu: Composable cloud banking platform providing core banking, lending, and onboarding services to banks and fintechs globally. Most direct competitor to Decimal's vSuite given its composable architecture and lending/onboarding focus.
• Thought Machine: Cloud-native core banking platform (Vault) enabling banks to build and deploy retail and commercial products on a flexible ledger foundation. Comparable to Decimal in the composable banking thesis, though more core-led than orchestration-led.
• Alkami Technology: Digital banking platform for US regional and community banks and credit unions, offering onboarding, lending, and account servicing SaaS. Comparable in the digital banking SaaS playbook for FIs, though US-focused.
• Intellect Design Arena: Indian banking software vendor offering digital lending, onboarding, and wealth platforms to global banks. Closest India-listed comparable to Decimal with overlapping BFSI product suite and customer base.
• Newgen Software: Indian enterprise content and process management platform with strong BFSI footprint, providing digital onboarding, loan origination, and workflow automation. Comparable to Decimal in product scope and customer overlap (Indian banks).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Decimal_tech
• LinkedInlinkedin.com/company/decimal-technologies
• Facebookfacebook.com/decimaltech

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Decimal Technologies