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Customer stories/Large Payments Bank

Transforming financial operations into an automated, compliant engine

How a high-volume payments bank built a reusable, governed foundation for reconciliation, disputes, settlements, and payouts—without risking regulatory deadlines.

Transforming financial operations into an automated, compliant engine
  • 11 hours saved per reconciliation cycle

  • 100% disputes resolved within regulatory SLAs

  • 8M transactions daily—without manual intervention

Company

Large Payments Bank

HQ / Location

Mumbai, India

Industry

Financial Services

Department

Finance

Scale

14 million customers

The challenge

The bank’s finance team managed reconciliation, disputes, settlements, and payouts through manual file processing and spreadsheet-heavy workflows. With strict regulatory turnaround times and nightly cutoffs, teams lacked centralized visibility across systems—making compliance increasingly difficult as daily transaction volumes scaled into the millions.

Use cases transformed into AI-Native

With UnifyApps, the bank shifted from fragmented, file-based workflows to a reusable, AI-native execution model across critical finance operations:

Fino Bank UPI reconciliation

UPI reconciliation

  • BEFORE Manual file processing across disparate systems

  • COST 11 hours per reconciliation cycle

  • AFTER Automated multi-source matching and exception management

Business Impact

High-accuracy reconciliation for 8M daily transactions

Fino Bank UPI dispute management

UPI dispute management

  • BEFORE Manual file exchanges and inconsistent rule application

  • COST Risk of missing NPCI TATs and penalties

  • AFTER Automated rule-based resolution with NPCI portal integration

Business Impact

100% of disputes resolved within SLA timelines

Fino Bank CMS payout automation

CMS payout automation

  • BEFORE Manual VLOOKUPs and NEFT file prep for 200+ clients

  • COST Compliance risk vs 11:00 PM regulatory deadline

  • AFTER Automated processing driven by single source-of-truth master data

Business Impact

Ensures zero funds remain in GL accounts post-cutoff

Fino Bank Merchant settlement automation

Merchant settlement automation

  • BEFORE Manual GL posting and Excel reporting across 4 daily cutoffs

  • COST Delays and errors from manual reconciliation

  • AFTER Automated GL posting and partner-specific reporting via SFTP

Business Impact

Zero manual intervention for 500K daily transactions

7 Weeks to go-live

Traditional automation can take 6-12 months. With UnifyApps, the bank delivered complex automation in just 7 weeks—from discovery to production deployment.

Scalable, Reusable Foundation

Standardized finance data objects and shared integrations enabled rapid reuse across reconciliation, disputes, settlements, and payouts.

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