Mobile Banking Platform

The mobile banking platform modern banks deserve.

A cloud-native, API-first mobile banking platform that delivers secure, real-time digital banking experiences across iOS, Android, and the web. From account management and payments to investments and lending, every interaction is protected by embedded fraud detection, adaptive authentication, and intelligent transaction monitoring—ensuring seamless performance without compromising speed or security.

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Core Capabilities

Numbers that speak for themselves

Deliver secure, real-time mobile banking experiences that scale effortlessly from everyday transactions to millions of concurrent users across digital channels.

API availability

0ms

average API response

0.0%

successful API calls

customers prefer mobile banking

Market Landscape

The Indian mobile banking market at a glance

India crossed 500+ million mobile banking users in 2024, with monthly active sessions growing 3× in five years. Yet most bank apps still run on bolted-on legacy cores never designed for a mobile-first, always-on customer.

HyperBolt

Cloud-native, customer-first

Mobile + Internet Banking unified core · <300ms cold start · biometric + device binding · real-time alerts · ISO 20022 + REST API

Legacy Core Banking App

Bolt-on mobile wrapper

Hybrid WebView shell, no native feel · 2–4s screen loads · separate OTP hop · nightly batch sync

PSU Bank Mobile Stack

Vendor-licensed white-label app

Generic UI across banks, slow releases · monolithic backend · GC pauses · multi-year vendor lock-in

DIY / In-house Build

Self-built mobile banking app

Tightly coupled to one CBS · 12–24 mo build · limited RBI/NPCI compliance assurance

500M+

Mobile banking users in India

₹45 L Cr

Monthly value via mobile banking

150+

Banks offering mobile apps

24×7

Always-on app availability

<0.02%

Mobile banking fraud rate

Customer proof

What the Mobile Banking does

How it's built

What the mobile banking engine does

Mobile Banking · Transaction Flow Engine

A modern mobile banking engine serves as the technological backbone for a bank's app, managing all message flows between the customer's device and the bank's core banking infrastructure. Its core functions include:

Authentication & Session

Secures and validates every login

• Authenticates users via biometrics, MPIN, or device binding
• Validates session tokens against backend identity service
• Checks device trust score and SIM-binding status
• Ensures request authenticity before app access

API Orchestration

Connects app screens to core banking APIs

• Transforms app requests into core banking system calls
• Ensures compliance with bank's API gateway standards
• Handles bidirectional transformation (request/response)
• Maintains message integrity across micro-services

Transaction & State Management

Manages complete in-app journey lifecycle

• Controls flow from initiation to confirmation
• Implements exactly-once transaction state machine
• Prevents duplicate or inconsistent processing
• Maintains full lifecycle tracking for each user action

Sync & Reconciliation

Keeps app data accurate across channels

• Processes real-time core banking sync events
• Performs continuous balance and statement reconciliation
• Confirms debit and credit accuracy across channels
• Eliminates stale data and manual reconciliation errors

Security & Fraud Prevention

Real-time protection against fraud

• Applies inline risk scoring on app sessions and transactions
• Detects suspicious logins and device anomalies
• Enforces strict security policies and step-up auth
• Protects users in real time without latency impact

Why HyperBolt TPAP Switch

The first TPAP switch engineered for India's real-time UPI scale and modern fraud challenges.

Most legacy switches are built on outdated architectures with bolt-on gateway shells and external risk engines. HyperBolt is cloud-native, real-time, and designed for high-speed PSP journeys with built-in intelligence.

CAPABILITY

Typical India Fintech-tech

HyperBolt TPAP Switch

Architecture

Hybrid gateway wrapper bolted onto a legacy switch core

Native, API-first switch built for instant PSP journeys

Response time

Routing and validation within 2–4 seconds

Optimized for near-instant routing and confirmations

Concurrent transactions

Handles peak-hour transaction spikes inconsistently

Scales horizontally to support millions of concurrent transactions

Validation & checks

Performs handle, balance, and limit validation with added hops

Ensures secure and instant validation within the switch

NPCI connectivity

Indirect integration via batch jobs and middleware

Direct, real-time integration with NPCI's UPI switch

Reconciliation

Relies on end-of-day batch sync for settlement accuracy

Maintains continuous, real-time settlement and TCC/RCC sync

Availability

Scheduled downtime during nightly batch windows

24x7 operational with no downtime dependency

Security

Basic device-ID and OTP-based authentication

Mutual TLS, device-binding, and step-up authentication

Monitoring & tracking

Limited visibility into transaction and settlement status

Real-time transaction monitoring, alerts, and anomaly tracking

Built for real-time UPI load

Optimized for high-volume transaction traffic with low-latency processing and consistent performance under peak PSP load.

Inline transaction orchestration

Smart orchestration logic embedded within the switch backend ensures faster routing decisions without external system dependencies.

Full transaction visibility

Every routed transaction is traceable with detailed logs, status tracking, and audit-ready records for transparency.

Secure & RBI/NPCI compliant

Built with strong encryption, mutual TLS, and full compliance with RBI and NPCI guidelines for UPI switches.

High reliability & uptime

Designed for 24x7 availability with minimal downtime, ensuring uninterrupted access across all PSP integrations.

Seamless NPCI connectivity

Direct integration with NPCI's UPI switch ensures fast, reliable data exchange and real-time transaction processing.

Get a demo built around the modules and hops you just clicked.

Add modules from the acquiring or issuing map, mark the hops you want to deep-dive on, and we'll bring a payments engineer with a session scoped to exactly that surface area.

Reach out us at

Sales and Services:

sales@auisy.com

Marketing & Promotions:

marketing@auisy.com

General Information:

info@auisy.com

Phone :

91-020-61096815

Project Management and Editorial Office

3rd Floor, Shreyas Eterna, Above Lopmudra Clinic, Homi Baba Road, Bavdhan, Pune 411021.