The startup offers a financial platform that integrates white-labeled banking services with AI-driven recommendations for financial products, borrowing, and lending. Users can consolidate their savings, investments, credit cards, and loans from various institutions into a single dashboard, enhancing their ability to monitor and grow their finances digitally.
Funding
$2.8M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Many smaller banks in India struggle to offer the same level of digital financial services as larger institutions and fintech companies. These banks often lack the resources to develop and maintain comprehensive digital platforms, hindering their ability to attract and retain customers. This disparity limits access to modern financial tools for a significant portion of the population.
Solution
OneStack provides a white-labeled mobile banking application integrated with existing core banking systems, enabling traditional banks to offer a modern, digital experience. The platform consolidates various banking services and financial products, including those from third-party providers, into a single dashboard. By analyzing customer data, the application delivers personalized recommendations to improve financial health. This allows banks to compete with larger institutions and fintech companies by offering a comprehensive suite of digital financial tools under their own brand.
Target Audience
OneStack primarily targets small to medium-sized banks in India seeking to enhance their digital offerings and compete with larger financial institutions and fintech companies.
Features
- White-labeled mobile application customizable with bank's branding
- Integration with existing core banking systems (CBS) via APIs
- Consolidated view of accounts, loans, investments, and credit cards
- AI-powered personalized recommendations for financial products and services
- Secure payment processing via BBPS, UPI, and Bharat QR
- OCEN framework-powered lending solutions
- Support for mutual funds, gold investments, and insurance products
- End-to-end security compliant with RBI regulations