Built on a
Simple Belief
Digital banking crossed the convenience threshold years ago. Customers can check balances, transfer money, and open accounts from their phones. But convenience alone doesn’t build relationships.
The real challenge facing banks today isn’t digital access—it’s engagement. It’s turning transactions into conversations. It’s understanding customers well enough to anticipate needs, not just respond to requests.
We exist to help banks break through the engagement plateau with intelligence that’s been evolving with banking through generations of technology
Multiple generations of
banking experiences
Our journey mirrors banking’s transformation
2000
- Company founded with strategic investment from the HDFC Group.
- Established a strong foundation with leading banking customers in India.
- Launched Internet Banking, marking the beginning of the digital banking journey.
2003–2008
- Expanded rapidly across India and the Middle East.
- Added multiple banking customers across the region.
- Introduced Mobile Web Banking, extending digital services beyond traditional channels.
2009-2016
- Acquired by Vayana, strengthening the company's growth trajectory and market positioning.
- Rebranded under the Vayana ecosystem while expanding into new geographies, including Africa.
- Delivered significant multi-country wins and established strategic customer relationships.
- Launched the 4.x Omnichannel Banking Platform, along with native mobile, tablet, and wearable banking experiences.
- Attracted strategic investment from Reliance and other institutional investors.
2017–2020
- Rebranded as Clayfin, establishing a new global identity and vision.
- Achieved strong growth through successful Small Finance Bank (SFB) implementations using the new Corporate Internet Banking platform.
- Expanded into the Asia-Pacific (APAC) region, strengthening the international footprint.
- Continued building a robust omnichannel digital banking portfolio across retail and corporate banking.
2021–2024
- Launched the Multi-Bank PFM platform to deliver enhanced personal financial management capabilities.
- Achieved ISO/IEC 27001 certification, reinforcing operational excellence and information security.
- Successfully delivered large-scale digital transformation programs while significantly scaling the organization in headcount and revenue.
2025–2026
- Introduced the 6.x Mobile-First Retail Banking Platform and advanced the Corporate Banking 6.x roadmap.
- Embedded AI across products and internal engineering processes to enhance customer experience and operational efficiency.
- Expanded the partner ecosystem with solutions across Wealth, Escrow, KYC, Security, and other banking services.
- Acquired Louie Voice (LV) to strengthen voice-enabled banking capabilities and accelerate the Cognitive Banking Platform vision.
Key Milestones
years in banking
successful projects
countries
end customers
ISO
27001:2022 certified
Why Banks Choose Clayfin
Banking-specific AI
25 years of banking data trains our AI. ClayfinML understands regulatory context, risk frameworks, and customer behavior in financial services—not just generic patterns.
Brownfield Mastery
We integrate with Finacle, Temenos, Oracle FLEXCUBE, and legacy cores. Our architecture respects your reality, not an idealized greenfield fantasy.
Proven at Scale
150+ deployments across PSU banks, private banks, small finance banks. From 100K to 10M+ customers. Our platform handles real-world banking complexity.
We’re building the next generation of banking intelligence—where AI doesn’t just automate tasks, it understands context, anticipates needs, and acts autonomously within guardrails.
Agentic AI that can execute multi-step workflows. Voice banking that feels natural. Predictive intelligence that knows what customers need before they ask. Engagement that builds relationships, not just completes transactions.
The engagement plateau isn’t the ceiling—it’s the launchpad.