What Infrasoft Technologies does

Infrasoft Technologies, operating commercially under the KiyaAI brand, is a Mumbai-headquartered software product company founded in 1994 that delivers cloud-native, AI-enabled solutions to financial institutions and government entities. Its offering is organized into five solution pillars: AI-based Omnichannel and Open Finance Solutions (Conversational UI, Open Finance APIs, Kiyaverse metaverse banking, eCO onboarding, UPI switch, and internet/mobile/tablet/wallet/kiosk banking); Universal RegTech Solutions (AML, anti-fraud, ESG, GDPR, GRC, BORT, DORA, and a broad reporting suite covering FATCA/CRS, XBRL, CBCR, DAC6, AIFMD, CCR, CNMV, DTAX, MMIF); Digital Core Banking Solutions (cloud-based core banking, hosted payments, digital lending, microfinance, Islamic banking); Digital Engineering Services (Open API, RPA, cognitive analytics, immersive UI, big data, IoT, testing, application modernization); and AI-based Analytics Solutions. The technology stack is cloud-native and AI/ML-augmented, with disclosed capabilities spanning NLP, anomaly detection, generative AI, process automation, predictive analytics and recommendation engines. The company is CMMI Level 5 v3.0 certified and operates regional headquarters in Singapore, London, Dubai and New York alongside its India HQ, claiming operations in 50+ countries and 450+ clients.

The commercial model is enterprise software with a subscription/platform-licensing revenue stream supported by implementation and support services; pricing is quote-based and not publicly disclosed, consistent with large deal sizes and consultative selling to banks and regulators. Go-to-market is direct enterprise sales via regional offices with a "Request a Demo" conversion path, supplemented by analyst recognition (IBS Intelligence Sales League Table) and industry awards (PICUP Fintech Awards). Recent wins include the Philtrust Bank core banking and digital platform engagement (March 2026) and a core banking modernisation project with Merchant Finance in Fiji (March 2026), indicating continued offensive geographic and deal momentum into emerging-market and Pacific financial institutions.

Name

Infrasoft Technologies

Legal name

Infrasoft Technologies

Website

https://infrasofttech.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Infrasoft Technologies, operating as KiyaAI, delivers AI-powered core banking, RegTech, and omnichannel digital solutions to financial institutions and governments across 50+ countries, serving 450+ clients through 12 global offices.

Ownership category

akta.pro rank

Product category

Core Banking and RegTech Software

NAICS

Software Publishers (5132), Computer Systems Design and Related Services (54151)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming Services (7371)

akta.pro primary industry

Compliance & Regulatory Operations (AML/KYC, Reporting, Audit) (FSAGAAAL)

akta.pro secondary industries

Fraud, Risk, KYC/AML & Compliance Platforms (BPAMAFAI), Cloud-Native Development (Containers, Kubernetes, Microservices) (BPAEACAD)

Keywords

• Core banking software
• Regulatory technology solutions
• Digital banking platforms
• Anti-money laundering software
• Open finance APIs

Headquarters

HQ city

Mumbai

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. Software Solutions and Platform Licensing: Revenue generated from licensing AI-powered core banking, RegTech, and digital banking solutions to financial institutions. Solutions are delivered as cloud-native platforms with implementation and support services.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Infrasoft Technologies (operating as KiyaAI) develops and licenses AI-powered core banking, RegTech, and digital banking software platforms to financial institutions and governments globally. Its KiyaAI platform delivers cloud-native solutions spanning core banking, omnichannel digital banking, AML/fraud detection, regulatory compliance, and digital engineering services, with implementation and support provided directly to enterprise clients across 50+ countries.

Product overview

Kiya.ai by Infrasoft Technologies is an AI-powered digital solutions platform serving financial institutions and governments globally. The platform operates as a comprehensive product portfolio consisting of five integrated solution areas: (1) AI-based Omnichannel & Open Finance Solutions including Conversational UI, Kiyaverse (metaverse banking), eCO customer onboarding, Open Finance/Open API, and multi-channel banking (internet, mobile, tablet, kiosk, wallet); (2) Universal RegTech Solutions covering Anti-Money Laundering, Anti-Fraud, regulatory compliance (ESG, GDPR, GRC, BORT, DORA), and extensive reporting solutions (FATCA/CRS, XBRL, CBCR, DAC6, AIFMD, CCR, CNMV, DTAX, MMIF); (3) Digital Core Banking Solutions including cloud-based core banking, hosted payment services, digital lending management, microfinance, and Islamic banking; (4) Digital Engineering Services encompassing RPA, cognitive analytics, immersive UI, big data analytics, IoT, and application modernization; and (5) AI-based Analytics Solutions for predictive business intelligence. The platform is cloud-native and serves 450+ clients across 50 countries with 12 global offices.

Differentiator

Problem solved

Functional benefit

Products and services

• AI-based Omnichannel & Open Finance Solutions A comprehensive omnichannel banking and open finance suite enabling financial institutions to deliver AI-powered customer experiences across web, mobile, tablet, kiosk, wallet, and metaverse channels, with conversational UI, digital onboarding, open API connectivity, and unified payments switching.
• Universal RegTech Solutions An end-to-end regulatory technology suite covering anti-money laundering, anti-fraud detection, regulatory compliance (ESG, GDPR, GRC, BORT, DORA), and multi-jurisdictional regulatory reporting (FATCA/CRS, XBRL, CBCR, DAC6, AIFMD, CCR, CNMV, DTAX, MMIF) for financial institutions and governments.
• Digital Core Banking Solutions A cloud-native core banking suite including cloud-based core banking, hosted payment services, digital lending management, microfinance platforms, and Sharia-compliant Islamic banking for banks and financial institutions undergoing modernization.
• Digital Engineering Services A digital engineering services offering covering Open API implementation, robotic process automation, cognitive analytics, immersive UI development, big data analytics, IoT integration, digital channel deployment, software testing, and legacy application modernization for financial institutions.
• AI-based Analytics Solutions An AI and ML-powered analytics platform delivering predictive insights, business intelligence, and data-driven decision support for financial institutions across customer, risk, and operational use cases.

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability8 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• Merchant FinancecoreStrategic or Co-development Partner · 23 March 2026Partnership for core banking modernisation in Fiji. Merchant Finance is a financial institution in Fiji seeking to modernize its core banking systems.
• Philtrust BankcoreStrategic or Co-development Partner · 5 March 2026Philtrust Bank partnered with Infrasoft Technologies to implement a new core banking system and launch advanced digital and mobile banking platforms. The initiative aims to modernize the bank's infrastructure, enhance operational efficiency, and provide customers with seamless access to financial services featuring personalization and enhanced security. Implementation will be carried out in phases over the coming months.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Temenos: Swiss-headquartered global leader in core banking and RegTech software for banks and financial institutions. Closely comparable to KiyaAI in offering cloud-native core banking plus a broad regulatory/compliance module suite, but at significantly larger scale and broader tier-1 footprint.
• Mambu: Cloud-native core banking platform serving challenger and incumbent banks globally. Direct competitor to KiyaAI's Digital Core Banking and omnichannel stack, particularly for digital-first and emerging-market banks modernizing off legacy cores.
• Finastra: Large financial software vendor formed from the merger of Misys and D+H, offering core banking, lending, treasury, and RegTech solutions to banks worldwide. Overlaps KiyaAI across core banking, lending, and compliance/reporting modules, with deeper tier-1 coverage.
• Infosys Finacle: Banking platform from Infosys covering core banking, digital channels, payments, and analytics. Most direct Indian peer to KiyaAI with overlapping core banking and digital banking products, larger engineering bench, and broader global reach.
• TCS BaNCS: TCS's banking platform covering core banking, lending, payments, and RegTech for global financial institutions. Closely comparable in product breadth and Indian heritage, with materially larger scale, global delivery, and tier-1 reference base.

Emerging players

• nCino: Cloud banking platform focused on commercial, small business and retail banking workflows, including compliance and onboarding. Comparable to KiyaAI's cloud-native digital banking and eCO onboarding offerings, primarily in US/UK markets.
• Thought Machine: Cloud-native core banking engine (Vault) used by global tier-1 banks including HSBC and Standard Chartered. Direct competitor in next-gen core banking modernization, with similar cloud-first philosophy but deeper tier-1 mandates and significant recent venture funding.

Broad incumbents

• Oracle Financial Services Software: Oracle's banking suite covering core banking, analytics, RegTech, and compliance reporting for large global banks. Broadly competes with KiyaAI on RegTech and reporting modules; embedded within a much larger enterprise software portfolio.
• FIS: Global financial services technology provider with core banking, payments, capital markets, and RegTech offerings. Competes broadly with KiyaAI in digital banking, core processing, and AML/fraud; much larger and more diversified.

Regional players

• Jack Henry & Associates: US-focused bank technology provider offering core banking, digital banking, and RegTech to community and mid-tier banks. Comparable platform structure to KiyaAI but serving primarily the US market, with limited overlap in emerging markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/infrasofttech
• Facebookfacebook.com/InfrasoftTechnologies
• LinkedInlinkedin.com/company/infrasoft-technologies

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

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 Infrasoft Technologies