M2H Infotech
M2H Infotech LLP is a founder-owned fintech infrastructure firm that builds cloud-native, regulatory-compliant platforms for UAE/GCC banks, exchange houses, payroll providers, and fintech firms, specializing in WPS payroll, FTS fund transfer, banking modernization, and financial super apps.
- Company typePrivate
- Founded2005
- HeadquartersCalicut, India
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What M2H Infotech does
M2H Infotech LLP is a privately held, founder-owned fintech infrastructure firm headquartered in Kozhikode (Calicut), India with regional offices in Dubai, UAE and Jacksonville, Florida. Founded by Mohammed Faizan Lanka and operating with 11-50 employees, the company specializes in regulated financial infrastructure for the UAE and GCC markets, building WPS (Wage Protection System) payroll platforms, Central Bank-compliant Fund Transfer System (FTS) solutions, banking and exchange house digital platforms, and multi-role financial super apps integrating AANI instant payments, BNPL, wallets, remittance, and UAE PASS/eKYC.
The company's technology foundation is a cloud-native, API-first microservices architecture designed for high-availability financial transaction processing, with published targets of 99.99% uptime and sub-50ms latency. Its proprietary platforms include the WPS Back Office Core Platform with automated SIF validation and correction, the FTS File Processing Engine with secure host-to-host bank integration, and a Financial Super App framework. The firm also operates the Officekithr sub-brand, an enterprise HRMS extending the platform into workforce management, payroll automation, and compliance reporting.
M2H generates revenue through direct enterprise sales to banks, exchange houses, payroll providers, and fintech platforms across the GCC and India. The commercial model is project-based professional services with modular component rollout, integration-only engagements, and advisory consulting offerings. No pricing tiers, rate cards, or revenue figures are publicly disclosed. The company maintains an active thought-leadership content engine through published research papers and case studies, and pursues growth through integration partnerships with payment gateway, wallet, and BNPL providers.
M2H Infotech firmographics
Firmographics- Name
- M2H Infotech
- Legal name
- M2H Infotech LLP
- Website
- https://m2hinfotech.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- M2H Infotech LLP is a founder-owned fintech infrastructure firm that builds cloud-native, regulatory-compliant platforms for UAE/GCC banks, exchange houses, payroll providers, and fintech firms, specializing in WPS payroll, FTS fund transfer, banking modernization, and financial super apps.
- Ownership category
- akta.pro rank
M2H Infotech industry classification
Industry- Product category
- Financial Technology Infrastructure
- NAICS
- Computer Systems Design and Related Services (54151)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
- akta.pro secondary industries
- Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)
Keywords
Where M2H Infotech is headquartered
LocationHeadquarters
- HQ city
- Calicut
- HQ country
- India
- HQ region
- Asia
Offices3 records
Markets served
M2H Infotech business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- Project-Based Delivery: Defined scope, structured milestones, controlled implementation for regulated financial platforms. Engagement model supports modular component rollout, integration-only work, and advisory consulting services.
- Modular Component Rollout: Phased deployment of WPS, FTS, Super App, or Portal components as separate project engagements
- Advisory & Consulting: Regulatory mapping, infrastructure design, and transformation planning engagements
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
M2H Infotech product offering
Product offeringCore offering
M2H Infotech builds and deploys modular fintech infrastructure platforms for regulated financial institutions in the UAE/GCC, including a Wage Protection System (WPS) platform with automated SIF validation, a Central Bank-compliant Fund Transfer System (FTS), digital banking and exchange house platforms, multi-role financial super apps, and strategic advisory services. The offerings are delivered as enterprise software projects via cloud-native microservices architecture, and are targeted at commercial banks, exchange houses, payroll providers, and fintech platforms.
Product overview
M2H Infotech offers a modular fintech infrastructure platform consisting of five core product families: WPS & Payroll Infrastructure (regulatory payroll systems with SIF validation, MOHRE integration, and audit reporting), UAE FTS Solutions (Central Bank-compliant fund transfer and interbank transfer systems), Banking & Exchange House Digital Platforms (legacy modernization with API orchestration and payment gateway integration), Financial Super Apps (multi-role mobile banking with remittance, wallet, BNPL, eKYC, and AANI), and Enterprise SaaS including Officekithr HRMS. These products share a common architecture foundation (microservices, API-first integration, cloud-native) and can be deployed together as an integrated digital ecosystem or standalone based on institutional needs. Strategic Advisory services complement the product portfolio for regulatory mapping and architecture planning.
Differentiator
Problem solved
Functional benefit
Brands
- Officekithr: Enterprise HRMS solutions that simplify workforce management. From payroll to compliance, all in one system.
Products and services
- WPS & Payroll Infrastructure Enterprise-grade Wage Protection System (WPS) platform built for UAE Central Bank and MOHRE regulatory compliance. Includes WPS Back Office Core System, automated SIF validation and correction engine, corporate employer portal, multi-level approval workflows, salary card integration, and reconciliation and audit reporting. Designed for commercial banks, exchange houses, and payroll providers operating in the UAE.
- UAE FTS (Fund Transfer System) Solutions Central Bank-compliant fund transfer system providing secure salary disbursement and interbank transfers with full audit traceability. Includes FTS file processing engine, secure host-to-host bank integration, automated validation and routing, real-time status tracking, and settlement and reconciliation modules. Built for UAE financial institutions requiring regulatory-aligned fund transfer processing.
- Banking & Exchange House Digital Platforms Modern digital ecosystem for banks and exchange houses that integrates legacy systems with new digital frontends. Includes internet banking integration, core banking API orchestration, host-to-host connectivity, payment gateway integrations, regulatory API integrations, and risk monitoring dashboards. Designed for institutions undergoing core banking modernization and digital transformation.
- Financial Super Apps Multi-role mobile applications integrating financial services including remittance, bill payment, salary card management, wallet integration, BNPL/salary advance, UAE PASS/eKYC, AANI (P2P, QR, split payments), and role-based admin controls. Targeted at banks, fintechs, and digital wallet operators building consumer and corporate-facing mobile financial experiences.
- Strategic Advisory & Architecture Structured fintech transformation guidance including regulatory compliance mapping, architecture planning workshops, infrastructure scalability strategy, integration readiness assessments, and DevOps and deployment frameworks. Sold as a standalone advisory engagement for financial institutions planning WPS, FTS, banking, or super app initiatives.
- Officekithr (HR Tech) Enterprise HRMS solution for workforce management including payroll automation, employee lifecycle management, and compliance reporting. Offered as a sub-brand of M2H Infotech targeting enterprises seeking HR and payroll automation.
Quantifiable outcome
- 60% reduction in manual validation processing for WPS operations
- +5 more outcomes
Companies that use M2H Infotech
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
M2H Infotech technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability4 records
Feature6 records
M2H Infotech partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered supporting and core.
- Payment Gateway ProviderssupportingIntegration partnerships with payment gateway providers to enable seamless payment processing within financial super apps and digital banking platforms
- Wallet ProviderssupportingIntegration partnerships with digital wallet providers to expand financial super app capabilities including wallet balance management and transactions
- BNPL ProviderssupportingPartnerships with Buy Now Pay Later providers for salary advance and BNPL integration within financial super apps
- Banking and Exchange House PartnerscoreStrategic collaborations with banks and exchange houses for platform modernization and digital transformation engagements
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
M2H Infotech competitors and assessment
Company assessmentBroad incumbents
- Temenos: Global core banking and digital platform vendor with strong MENA footprint serving retail, Islamic, and corporate banks. Competes with M2H for the same UAE bank modernization RFPs at the core-banking layer.
- SmartStream Technologies: Enterprise transaction processing, reconciliation, and payments infrastructure vendor serving global banks. Comparable to M2H's reconciliation, FTS, and audit-focused modules within regulated bank environments.
- Finastra: Large global fintech software provider covering core banking, payments, lending, and treasury. Competes broadly with M2H in the GCC bank transformation space, particularly in payments and digital channels.
- Network International (now Nymcard/NAPS-aligned peers): UAE-headquartered payments processor serving banks, fintechs, and merchants across MEA. Comparable in targeting the same regulated UAE ecosystem with payments and merchant infrastructure.
Emerging players
- Mambu: Cloud-native core banking and BaaS platform adopted by challenger banks and fintechs globally, including in MENA. Comparable to M2H in offering composable, cloud-native banking infrastructure to regulated clients.
- Thought Machine: Cloud-native core banking technology vendor targeting large incumbents seeking legacy modernization. Comparable to M2H's cloud-native, microservices-based approach to UAE bank platform modernization.
- Tarabut Gateway: MENA's leading open banking platform connecting banks with fintechs via APIs. Comparable to M2H's API-first, integration-heavy super app and banking platform positioning in the UAE.
- Lean Technologies: MENA open-banking and financial data infrastructure provider enabling account-to-account payments and data connectivity. Comparable to M2H in serving UAE fintechs and banks with regulated, API-based infrastructure.
Direct peers
- Path Solutions: Kuwait-based banking software provider specializing in Islamic and conventional core banking, digital channels, and regulatory compliance for MENA financial institutions. Comparable to M2H's regulated-finance specialization across GCC.
- NdcTech (NADCOM): UAE-headquartered banking and financial services technology firm offering core banking, digital, and payments transformation across the GCC. Closely comparable to M2H in serving UAE/GCC banks with regulatory-aligned modernization programs.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
M2H Infotech social profiles
Digital presenceM2H Infotech compliance and trust
Trust signalCompliance5 records
M2H Infotech financial estimates
Financial estimateRevenue estimate
Valuation estimate
M2H Infotech leadership team
Management profileNumber of profiles
Profiles1 record
M2H Infotech funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
M2H Infotech M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about M2H Infotech
What does M2H Infotech do?
M2H Infotech builds and deploys modular fintech infrastructure platforms for regulated financial institutions in the UAE/GCC, including a Wage Protection System (WPS) platform with automated SIF validation, a Central Bank-compliant Fund Transfer System (FTS), digital banking and exchange house platforms, multi-role financial super apps, and strategic advisory services. The offerings are delivered as enterprise software projects via cloud-native microservices architecture, and are targeted at commercial banks, exchange houses, payroll providers, and fintech platforms.
Is M2H Infotech a public or private company?
M2H Infotech is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was M2H Infotech founded?
M2H Infotech was founded in 2005. It employs 11 to 50 people.
Where is M2H Infotech based?
M2H Infotech is headquartered in Calicut, India, in the Asia region.
How does M2H Infotech make money?
Three revenue lines are on record. Project-Based Delivery is the primary driver. The others are modular Component Rollout and advisory & Consulting.
Who are M2H Infotech's main competitors?
Broad incumbents on record are Temenos, SmartStream Technologies, Finastra and Network International (now Nymcard/NAPS-aligned peers). Emerging players are Mambu, Thought Machine, Tarabut Gateway and Lean Technologies. Direct peers are Path Solutions and NdcTech (NADCOM).
Does M2H Infotech have an API?
No public API is recorded for M2H Infotech.
What industry is M2H Infotech in?
M2H Infotech's product category is Financial Technology Infrastructure. Its primary akta.pro industry code is FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure, with a secondary code of FSAGABAJ, Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails). Its NAICS code is 54151 and its SIC code is 6199.