AI laid across legacy and modern systems.

Senior technologists for New Zealand banks, lenders, insurers and payment providers.

Your people sign off what matters
AI layer reads, checks and routes the work
  • Core banking
  • Credit rules
  • Payments
  • Documents and ID
  • Cloud platforms
  • Mobile and web
  • Data
  • Your preferred models
Legacy systems Section through the stack you already run. Modern systems

Every case checked, not a sample.

Built for a nationwide non-bank lender. Now the pattern we bring to every engagement.

  1. Reads

    Payslips, bank statements, IDs and uploads, interpreted as they arrive.

  2. Checks

    Lending policy, credit rules and QA checklists on every application.

  3. Decides

    Clean cases flow straight through. Exceptions go to the right person.

  4. Explains

    Every check logged with its reasons, so each decision is audit-ready.

Proof from lending, payments and banking.

100%

of applications checked in real time, up from about 10% under manual QA.

AI-driven compliance checks

Non-bank lending

Read how the checks work

70%+

faster end-to-end payment processing, with suppliers paid up to 55 days sooner.

Payments platform

<12 mo

to deploy a new cloud-native core banking platform.

Banking

18 mo

from a 30-year-old legacy stack to an AI-enabled digital lending business.

Digital lending

All five cases

What we design, build and run.

AI integration and automation
AI reads, checks and routes the work, on the stack you already run.
Compliance solutions
From sampling to every case, with a full audit trail.
Digital design, mobile and web
Products customers want to use.
Consulting and advisory
Solve the right problem first.
Managed services and hosting
We run what we build.
All five services in full
A Trippl workshop: six people lean over a table of printed process maps.
Current-state mapping: people, process and systems, measured rather than assumed.

Inspect, assess, design, deliver.

Four steps, each one the ground the next is built on.

  1. Inspect

    You can’t transform what you don’t understand. We start with data and dialogue.

  2. Assess

    Find where the value is, and avoid solving the wrong problem.

  3. Design

    Co-design AI-assisted workflows that fit your people, process and platforms.

  4. Deliver

    Rapid sprints, then measure what gets adopted, not just shipped.

The four steps in full

Senior people, in Auckland and India.

120+ yrs of collective delivery experience.

  • Utsav Sharma

    Founder and CEO

  • Nigel Pollock, CMInstD

    Chief Commercial Officer

  • Lewis Kwong

    Engineering Team Lead, NZ

  • Lishu Gupta

    Engineering Team Lead, India

Read the team’s bios
  • AWS
  • IBM
  • Mambu
  • Apptio
  • IDVerse
  • Atomic
Technology partners