Our Solutions

Digital Lending

End-to-end lending solution for new-age banks and NBFC's to create omnichannel experience for their customers built over service-oriented architecture that can be configured seamlessly to match the evolving business needs

Mutual Fund Commerce

Commerce engine to bring the end-to-end mutual fund discovery and transaction experience online for investors and distributors

Insurance Commerce

Insurance solution for Life and General Insurance enterprises that are looking for digital business transformation with highly engaging customer experience, efficient processes and lean business models

Digital Lending

End-to-end lending solution for new-age banks and NBFC's to create omnichannel experience for their customers built over service-oriented architecture that can be configured seamlessly to match the evolving business needs

Mutual Fund Commerce

Commerce engine to bring the end-to-end mutual fund discovery and transaction experience online for investors and distributors

Insurance Commerce

Insurance solution for Life and General Insurance enterprises that are looking for digital business transformation with highly engaging customer experience, efficient processes and lean business models

Our Customers

We help enterprises and fast growing startups bring ideas to life faster. With our tried and tested lean approach,we will help you realise and execute your product vision in no time.

120+

Products

11+

Years

185+

People

  • 120+

    Products

  • 11+

    Years

  • 185+

    People

Our Case Studies

Aditya Birla Finance Limited

Digital Lending Platform

Aditya Birla Finance Limited (ABFL), is one of India's most reputed non-banking financial companies (NBFC) which offers a wide range of customized financial solutions.

ABFL partnered with Kuliza to transform their end-to-end loan process from an offline process to digitally streamlined processes that include paperless operations, workflow-based automated decision-making and credit scoring powered with insightful analytics.

Intellecap

Digital Lending Platform

Intellecap is a pioneer in providing innovative business solutions that help build and scale profitable and sustainable enterprises.

Kuliza helped Intellecap to design and build a new-age digital lending platform to bring together investors, start-up and service providers.

Capital First

Mobile Enablement

Capital First is a leading provider of financial service across consumer and wholesale businesses.

Kuliza helped Capital First to build their official mobile app to transform Product Discovery, Lead Generation and Loan Application Tracking to provide a rich experience to their customers.

Murabaha

Digital Lending Platform

Murabaha Club is an innovative alternative finance business, initially providing loans to UK SMEs with a vision to become the UK's No.1 Islamic Finance Platform serving SME and consumer borrowing needs.

Kuliza is helping Murabaha Club build a peer-to-peer lending platform for investors, borrowers and lenders to come together on a global digital lending marketplace.

HDFC Life

Partner Commerce Platform

HDFC Life is one of the leading life insurance companies in India offering a range of individual and group insurance solutions.

Kuliza helped HDFC Life create a SaaS based 'Insurance on cloud' application to increase conversions from partner aggregators. With this application, aggregators can customize and create their own HDFC Life stores quickly in line with their brand identity.

UTI

Digital Transformation

UTI Mutual Fund is one of the largest mutual funds in India with investor accounts of over 1 crore under its 229 domestic schemes and plans.

Kuliza is currently undertaking digital commerce transformation for UTI MF, also rebuilding the transaction & content platform.

Birla Sunlife

Mutual Funds Investment App

Birla Sun Life is among India's leading financial services company.

Kuliza helped Birla Sun Life AMC build digital investment applications 'Active Account' on Android and iOS that helps individuals invest in Liquid Funds in a simple click.

Finask Us

Mutual Funds Investment App

FinAskus is an automated financial planning and investing service, helping people to better manage, protect, and grow their wealth.

Kuliza helped FinAskus build goal based investment platform to provide its customers a convenient, intelligent and cost effective way to serve their financial needs.

ICICI Bank

Enterprise Apps

ICICI Bank is India's largest private sector bank with total assets of US$ 109 billion for FY 2016.

Kuliza helped ICICI Bank build a desktop app for processing and segregating their loan application to send it to archive. Kuliza also built an web app to sort and verify the documents uploaded for customers for their loan and other applications.

Our Implementation Process

STAGE

Discovery & Brainstorming

  • Action
  • Audit of Existing Business
  • Goal Setting Workshop
  • Current Business & process evaluation
  • Outcomes
  • High Level Business Requirement
    Definition document
  • Personal
  • Product Managers
  • Business Analysts
  • Tech Lead
  • Solution Architect

Product Manager

Business Analysts

Tech Lead

Solution Architect

User Experience Design

  • ACTIONS
  • User research
  • User Stories
  • Benchmarking
  • Information Architecture
  • Wireframing
  • OUTCOMES
  • Storyboarding of complete
    digital business
  • User Stories
  • User Flows
  • High Fidelity Wireframes
  • PERSONAL
  • Product Manager
  • UX Lead
  • UX Engineer

Product Manager

UX Lead

UX Engineer

Visual Designs

  • ACTIONS
  • Visual Layout
  • Colour & Font Guidelines
  • Visual Designs
  • OUTCOMES
  • Visual Designs
  • Design Guidelines
  • PERSONAL
  • Product Manager
  • Design Lead
  • Visual Designer

Product Manager

Design Lead

Visual Designer

Architecture

  • ACTIONS
  • Solution Architecture
  • Sprint Planning
  • Tech Stack & Development
    planning
  • OUTCOMES
  • Detailed Engineering roadmap
    document
  • Sprint Plan
  • PERSONAL
  • Product Manager
  • Tech Leads
  • Solution Architect

Product Manager

Tech Lead

Solution Architect

Backend & Frontend Development

  • ACTIONS
  • Backend Engineering
  • Sprints
  • Daily Scrums
  • Creation of UAT environmen
  • OUTCOMES
  • UAT Deployment
  • Demo of engineered features
  • PERSONAL
  • Product Manager
  • Project Manager
  • Tech Leads
  • Backend Engineers
  • Frontend Engineer

Product Manager

project-manager

Tech Lead

Backend Engineers

Frontend Engineer

QA

  • ACTIONS
  • Test Case Definition
  • UAT
  • Integration Testing
  • Load, Stress and Security Testing
  • OUTCOMES
  • Test Case Documentation
  • Test Case Results
  • PERSONAL
  • Product Manager
  • Tech Leads
  • Quality Analysts

Product Manager

Tech Leads

Quality Analysts

Discovery & Brainstorming

  • Action
  • Audit of Existing Business
  • Goal Setting Workshop
  • Current Business & process evaluation
  • Outcomes
  • High Level Business Requirement
    Definition document
  • Personal
  • Product Managers
  • Business Analysts
  • Tech Lead
  • Solution Architect

User Experience Design

  • ACTIONS
  • User research
  • User Stories
  • Benchmarking
  • Information Architecture
  • Wireframing
  • OUTCOMES
  • Storyboarding of complete
    digital business
  • User Stories
  • User Flows
  • High Fidelity Wireframes
  • PERSONAL
  • Product Manager
  • UX Lead
  • UX Engineer

Visual Designs

  • ACTIONS
  • Visual Layout
  • Colour & Font Guidelines
  • Visual Designs
  • OUTCOMES
  • Visual Designs
  • Design Guidelines
  • PERSONAL
  • Product Manager
  • Design Lead
  • Visual Designer

Architecture

  • ACTIONS
  • Solution Architecture
  • Sprint Planning
  • Tech Stack & Development
    planning
  • OUTCOMES
  • Detailed Engineering roadmap
    document
  • Sprint Plan
  • PERSONAL
  • Product Manager
  • Tech Leads
  • Solution Architect

Backend & Frontend Development

  • ACTIONS
  • Backend Engineering
  • Sprints
  • Daily Scrums
  • Creation of UAT environmen
  • OUTCOMES
  • UAT Deployment
  • Demo of engineered features
  • PERSONAL
  • Product Manager
  • Project Manager
  • Tech Leads
  • Backend Engineers
  • Frontend Engineer

QA

  • ACTIONS
  • Test Case Definition
  • UAT
  • Integration Testing
  • Load, Stress and Security Testing
  • OUTCOMES
  • Test Case Documentation
  • Test Case Results
  • PERSONAL
  • Product Manager
  • Tech Leads
  • Quality Analysts

Our Team

MobileApp Developer

Works on native as well as hybrid mobile apps

Strong capabilities in native iOS and Android SDK

Expertise in emerging technologies such as React Native

Hybrid frameworks such as Ionic, PhoneGap, Cordova, Sencha

Would have created integrations with legacy as well new age systems

Would have built mobile apps for leading financial and commerce businesses

Comes from a Tier 1 engineering school

Backend Developer

Can pick up any open source technology

Knows new stacks such as Python, Node.JS, Scala amongst others

Has decent understanding of architecture design

Expertise in big data technologies such as Mongo and Hadoop

Strong capabilities in unstructured databases

Would have worked across multiple financial and commerce products

Will belong to a tier 1 engineering school

Product Manager

Capability to convert a concept or a digital business vision to a digital product

Can manage product across the various stages of product life cycle

Work with business leaders to define product roadmap

Understands UX, front-end design as well as backend engineering

Has worked across multiple product startups as well as with digital businesses amongst enterprises

Can help the business define MVP across various digital contexts

Own the product program from Kuliza's side

Will belong to a Tier1 engineering or business school

Architect

Works with IT and Tech leaders within organisations to design digital product architecture

Can architect systems across any technology

Knows how to create massively scalable systems

Knows the best practices for creating new age digital products

Deep knowledge of information security guidelines and best practices for a Financial / Commerce enterprises

Expertise in creating enterprise-ready architectures for new age digital systems

Strong knowledge of structured as well as unstructured databases

Will have architected digital systems for multiple enterprise level products

Comes from a tier 1 engineering school

UX and Visual Designer

Knowledge of user centred design process

Expertise in creating customer journeys and storyboarding

Creating digital interaction from requirements and design concepts

Concept sketching, prototyping and wireframing

Visual Designers have strong capabilities in converting wireframes to visual stories

Consider every bit of detailing to create winning brand and visual experience

Understand cross-device interactions and behaviours

Comes from a Tier 1 Design School

Frontend Developer

Knowledge of current trends and best practices in front-end architecture including performance, accessibility and usability

Experience in responsive, CSS3 media queries, and mobile implementation

Experience in leveraging REST, JSON, SOAP and other service layer technologies

Proper understanding of ReSTful standards and best practices. Comfortable with CSS, Less, SCSS, etc

Experience in creating configrations, build and test scripts for Continuous Integration environments

Experience in self-contained, reusable, and testable modules and components

Working experience with Bootstrap, Yeoman, Dart, Polymer or Web Components

Experience with front-end testing framework such as Jasmine, Chai, Mocha, Karma or Protractor

Strong skills with Javascript(DOM, multiple browser/OS support), HTML5, CSS3, and building MVC and/or MVVM based architecture using AngularJs, Backbone.js, Knockout or Ember.js

Our Team

Front-End Developer

Knowledge of current trends and best practices in front-end architecture including performance, accessibility and usability

Experience in responsive, CSS3 media queries, and mobile implementation

Experience in leveraging REST, JSON, SOAP and other service layer technologies

Proper understanding of ReSTful standards and best practices. Comfortable with CSS, Less, SCSS, etc

Experience in creating configrations, build and test scripts for Continuous Integration environments

Experience in self-contained, reusable, and testable modules and components

Working experience with Bootstrap, Yeoman, Dart, Polymer or Web Components

Experience with front-end testing framework such as Jasmine, Chai, Mocha, Karma or Protractor

Strong skills with Javascript(DOM, multiple browser/OS support), HTML5, CSS3, and building MVC and/or MVVM based architecture using AngularJs, Backbone.js, Knockout or Ember.js

Backend Developer

Can pick up any open source technology

Knows new stacks such as Python, Node.JS, Scala amongst others

Has decent understanding of architecture design

Expertise in big data technologies such as Mongo and Hadoop

Strong capabilities in unstructured databases

Would have worked across multiple financial and commerce products

Will belong to a tier 1 engineering school

Mobile-App Developer

Works on native as well as hybrid mobile apps

Strong capabilities in native iOS and Android SDK

Expertise in emerging technologies such as React Native

Hybrid frameworks such as Ionic, PhoneGap, Cordova, Sencha

Would have created integrations with legacy as well new age systems

Would have built mobile apps for leading financial and commerce businesses

Comes from a Tier 1 engineering school

Product Manager

Capability to convert a concept or a digital business vision to a digital product

Can manage product across the various stages of product life cycle

Work with business leaders to define product roadmap

Understands UX, front-end design as well as backend engineering

Has worked across multiple product startups as well as with digital businesses amongst enterprises

Can help the business define MVP across various digital contexts

Own the product program from Kuliza’s side

Will belong to a Tier1 engineering or business school

UX and Visual Designer

Knowledge of user centred design process

Expertise in creating customer journeys and storyboarding

Creating digital interaction from requirements and design concepts

Concept sketching, prototyping and wireframing

Visual Designers have strong capabilities in converting wireframes to visual stories

Consider every bit of detailing to create winning brand and visual experience

Understand cross-device interactions and behaviours

Comes from a Tier 1 Design School

Architect

Works with IT and Tech leaders within organisations to design digital product architecture

Can architect systems across any technology

Knows how to create massively scalable systems

Knows the best practices for creating new age digital products

Deep knowledge of information security guidelines and best practices for a Financial / Commerce enterprises

Expertise in creating enterprise-ready architectures for new age digital systems

Strong knowledge of structured as well as unstructured databases

Will have architected digital systems for multiple enterprise level products

Comes from a tier 1 engineering school

Our Culture

FOCUS

Build products that help you earn online revenue from your customers (E.g. E-commerce, Fintech, BFSI products).

HONESTY

We practise honesty with our products, our charges and our purpose. We are honest with our customers, employees and ourselves. When we do well, we celebrate our successes.

EXCELLENCE

We deliver great products to our customers and we work to build a great company known for its ability to innovate whilst begin agile. We strive to be the best at what we pursue and pursue it relentlessly.

BOLDNESS

We welcome intelligent risk-taking . we reward our people our clients who push us out of our comfort zone in the persuit of excillence.

COMMITMENTS

We treat our customers and each other with respect. When we commit or acquire our customer's commitment, we set clear expectations and deliver on our commitments.

CRAFTSMEN

We hire people who yearn to be master craftsmen. We are designers who are great artists. We are developers who have mastered the art of programming, not management.

RESPONSIBILITIES

We avoid traditional hierarchies and create self-governing teams. These are built on values of freedom, responsibility and accountability.

SKILLS

We revere people with horizontal and vertical ambition. Our people love to dig deeper, expand their knowledge and hone their skills and expertise. This adds far more value to our customers and ourselves.

FOCUS

Build products that help you earn online revenue from your customers (E.g. E-commerce, Fintech, BFSI products).

HONESTY

We practise honesty with our products, our charges and our purpose. We are honest with our customers, employees and ourselves. When we do well, we celebrate our successes.

EXCELLENCE

We deliver great products to our customers and we work to build a great company known for its ability to innovate whilst begin agile. We strive to be the best at what we pursue and pursue it relentlessly.

BOLDNESS

We welcome intelligent risk-taking . we reward our people our clients who push us out of our comfort zone in the persuit of excillence.

COMMITMENTS

We treat our customers and each other with respect. When we commit or acquire our customer's commitment, we set clear expectations and deliver on our commitments.

CRAFTSMEN

We hire people who yearn to be master craftsmen. We are designers who are great artists. We are developers who have mastered the art of programming, not management.

RESPONSIBILITIES

We avoid traditional hierarchies and create self-governing teams. These are built on values of freedom, responsibility and accountability.

SKILLS

>We revere people with horizontal and vertical ambition. Our people love to dig deeper, expand their knowledge and hone their skills and expertise. This adds far more value to our customers and ourselves.

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