Fintech organisations are fundamentally redefining how financial services are designed, delivered and consumed. By combining advanced technology, data-driven insights and customer-centric platforms, fintechs are accelerating inclusion and innovation across payments, digital lending, wealth, insurance and embedded finance.

As the sector enters its next phase of maturity, regulatory and supervisory expectations are intensifying, alongside heightened scrutiny on governance, data protection, cybersecurity, algorithmic accountability and sustainable profitability. At the same time, rapid adoption of AI, cloud-native architectures and open ecosystems is reshaping competitive dynamics. Grant Thornton Bharat partners with fintech leaders to help them navigate complexity, strengthen trust and build resilient, scalable operating models fit for long-term value creation. 

Our value proposition

Deep fintech regulatory and supervisory insight

Proven expertise supporting fintechs across licensing, authorisation, regulatory engagement and supervisory preparedness, with an informed perspective on evolving policy expectations and regulatory intent. 

Risk, governance and enterprise resilience

Integrated capabilities spanning enterprise risk management, governance design, operational resilience, model and algorithm risk, cybersecurity, data privacy and third-party risk—tailored to high-growth, digital-native organisations. 

Technology, data and AI-enabled transformation

Advanced analytics, AI-driven use cases, cloud and automation capabilities that enable smarter decision-making, stronger controls, operational scalability and improved customer trust.

Ecosystem and platform-led advisory approach

In-depth understanding of fintech business models, bank and NBFC partnerships, platform strategies, embedded finance and API-led ecosystems across the financial services value chain.

Financial independence and readiness index

Our survey uncovers how India plans, saves and invests across diverse financial journeys.

    Our solutions

    We advise fintechs on technology strategy, target architectures, cloud adoption, data governance, advanced analytics and automation to support secure, resilient and sustainable growth.

    Focused interventions across payment operators, platforms and ecosystem participants to support scale, innovation and regulatory alignment in high-volume transaction environments.

    Advisory and implementation support for fintechs and institutions participating in public digital infrastructure and financial inclusion ecosystems.

    Targeted solutions for high-growth segments such as InsurTech, WealthTech, RegTech and PaymentTech, addressing evolving business models and regulatory expectations.

    Strategic engagement with scaled and scaling fintechs to address complexity arising from rapid growth, investor expectations and market expansion. 

    Supporting fintechs in establishing and scaling GCCs as strategic hubs for technology, operations, risk and analytics.

    Integrated offerings spanning licensing, risk, technology, tax and transactions to support fintechs across their entire growth journey.

    ISO27001:2022 ISMS Implementation

    ISO27001:2022 ISMS Implementation

    1.
    Problem Statement
    Implementing a robust ISMS program to achieve ISO27001:2022 certification, protecting information assets and ensuring regulatory compliance.
    2.
    Our Solution
    Defined and published ISMS policy and framework, conducted gap assessment, risk assessment, awareness sessions, internal audit, and external audit support.
    3.
    Impact
    Achieved ISO27001:2022 certification, published gap analysis report, risk register, internal audit findings, and ensured comprehensive documentation.
    Global Oracle Fusion ERP Rollout for fintech Firm Pine Labs

    Global Oracle Fusion ERP Rollout for fintech Firm Pine Labs

    1.
    Problem Statement
    Pine Labs, a USD 5.5 billion fintech firm, faced challenges managing disparate accounting systems and manual financial consolidation across 6 countries and 10 entities.
    2.
    Our Solution
    We implemented Oracle Fusion ERP, standardising processes and harmonising financial reporting across countries and entities.
    3.
    Impact
    Enabled process standardisation, ease of financial reporting, and local statutory reporting. Deployed in record time, the solution is scalable for future acquisitions and expansions.
    Oracle Fusion ERP and SCM Implementation for Lightstorm

    Oracle Fusion ERP and SCM Implementation for Lightstorm

    1.
    Problem Statement
    Lightstorm, a hyperscale networking infrastructure provider, faced challenges in local regulatory reporting, taxation, and inventory management.
    2.
    Our Solution
    Grant Thornton implemented Oracle Fusion ERP for two legal entities, streamlining processes and enabling seamless reporting.
    3.
    Impact
    Rationalised Chart of Accounts, streamlined inventory movement and procurement, and ensured data retention, security, and access control.
    Governance and Compliance posture review

    Governance and Compliance posture review

    1.
    Problem Statement
    A rapidly expanding fintech firm in B2B lending acquired an NBFC to enhance its lending capabilities. Facing swift growth and complex RBI regulations, the company needed an evaluation of its compliance and governance.
    2.
    Our Solution
    The firm undertook a meticulous review, including process walkthroughs, regulatory mapping, analysis of managerial roles, and scrutiny of intra-group transactions.
    3.
    Impact
    The evaluation yielded a risk-assessed report with timely remediation recommendations, a compliance risk framework, and a governance checklist tailored to the entity's scale and risk profile.
    Process and Control Review

    Process and Control Review

    1.
    Problem Statement
    The objective was to critically examine the efficiency and effectiveness of the current systems, identifying areas of shortfall and recommending practical improvements.
    2.
    Our Solution
    Our approach encompassed verifying customer data, conducting due diligence, and ensuring compliance with Know Your Customer (KYC) standards through document reviews and risk assessment of loan applicants.
    3.
    Impact
    The outcome was a comprehensive adherence to regulations and process optimisation, reflecting industry best practices. We delivered detailed reports on process evaluations, identified gaps, and associated risks, offering improvement...

      How Grant Thornton Bharat can support

      Grant Thornton Bharat combines deep financial services expertise with multidisciplinary consulting capabilities to help fintech organisations address complex regulatory, operational and strategic challenges.

      Our teams work closely with founders, executive leadership and boards to:

      • Anticipate and navigate regulatory and supervisory expectations.
      • Strengthen governance, risk and compliance frameworks.
      • Design resilient, scalable and compliant operating models.
      • Unlock value through technology, data and advanced analytics.
      • Proactively manage fraud, cyber and financial crime risks.

      Through our integrated consulting, risk advisory, tax and transaction services, we help fintechs build credible, trusted and future-ready businesses. 

      Our insights

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      India Payments Trends Report 2026

      Thought leadership

      The India Payments Trends 2026 report shows how quickly the country’s digital payments landscape is changing, driven by new technologies, policies, and innovation.

      Read more

      Fintech risks in India: Insights from the 2026 Barometer

      Thought Leadership

      As India’s fintech sector scales, fintech risks are becoming more complex. The FinTech Barometer 2026, developed by the Fintech Association for Consumer Empowerment (FACE) and Grant Thornton Bharat, examines how fintech players in India perceive the key risks facing the sector.

      Read more

      Fintech compliance in India: Managing regulatory risk

      Article

      Today’s environment is undeniably difficult. Supply chains are fragmented, costs remain volatile, capital is expensive and geopolitical risk has become structural rather than episodic.

      Read more
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        Get in touch

        Dharmender Jhamb

        Partner, Financial Services

        Contact Dharmender Jhamb
        Partner, Financial Services
        Dharmender Jhamb

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