Kiya.ai
Kiya.ai, which trades as KiyaAI and whose legal entity remains Infrasoft Technologies, is a Mumbai based banking software and services group serving more than four hundred and…
Overview
Kiya.ai, which trades as KiyaAI and whose legal entity remains Infrasoft Technologies, is a Mumbai based banking software and services group serving more than four hundred and fifty clients across fifty countries from twelve offices, selling to banks, cooperative and rural banks, microfinance institutions, Islamic banks, neobanks, fintechs and governments. The estate is organized in five lines. Digital core banking covers a cloud native core, a hosted core, digital lending management, microfinance and Islamic banking. Universal RegTech covers anti money laundering and anti fraud surveillance, governance risk and compliance, environmental and social reporting, data protection and operational resilience tooling, and a deep regulatory reporting bench spanning alternative investment fund reporting, tax information exchange, central credit register submissions, Spanish market regulator filings, country by country reporting, cross border arrangement reporting and structured business reporting. The channel line covers internet, mobile, tablet, wallet and kiosk banking, an instant payments switch for India's unified payments interface, customer onboarding, contact management, a conversational interface and Kiyaverse, a banking metaverse used by Punjab National Bank for a virtual branch. Open finance is delivered through an application programming interface developer gateway with published support for the authorization protocols and for onboarding and managing account information providers, payment initiation providers and other third parties. Digital engineering services cover robotic process automation, cognitive analytics, big data, immersive interfaces, testing and application modernization, and a separate artificial intelligence based analytics line sits alongside them. Named engagements include Jordan Ahli Bank, Punjab National Bank, Bank of Maharashtra, Kerala State Cooperative Bank, Agribusiness Rural Bank, Philtrust Bank in the Philippines and Merchant Finance in Fiji. The company holds ISO 9001:2015 and ISO 27001:2022 and is appraised at CMMI Level 5, took nine placements in the 2026 IBSi Sales League Table including first in India for compliance, digital banking and payments, and won a best in class regulatory technology award in 2026.
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