ShieldX provides a decisioning infrastructure that sits between a bank’s core banking system, loan origination, CRM, and outreach channels, routing every customer action through a five‑stage control plane. The platform normalizes signals, applies risk scoring, enforces compliance checks such as TRAI, RBI FPC, and DPDP consent, and logs each step for regulator‑ready audits, ensuring credit, collections, and servicing decisions are validated before execution.
Funding
Funding not disclosed
Founders
Product
Problem
Banks operate multiple systems—core banking, loan origination, CRM, and outreach channels—without a unified layer to evaluate actions against risk and regulatory requirements. This leads to unscored decisions, compliance breaches (e.g., TRAI, RBI FPC, DPDP), and lack of auditability, exposing institutions to regulatory penalties and operational inefficiencies.
Solution
ShieldX provides a decisioning infrastructure that sits between a bank’s core systems and outbound channels, ensuring every credit, collections, or servicing action is processed through a controlled workflow. Incoming signals are normalized, risk‑scored, and subjected to sequential compliance checks for regulations such as TRAI, RBI FPC, and DPDP consent. Only after passing all mandatory stages does the decision route to the appropriate outreach channel, with each step logged to generate regulator‑ready audit records. The platform’s control plane prevents overrides without a documented reason, enabling banks to demonstrate compliance in real time and respond to regulator inquiries with complete decision histories.
Target Audience
Primary customers are Indian banks and financial institutions that need to govern credit, collections, and servicing decisions across multiple internal systems and outbound channels.
Features
- Signal layer that ingests and normalizes events from CBS, LOS, and CRM before evaluation
- Real‑time risk scoring engine that assigns quantitative risk levels to each trigger
- Automated compliance enforcement for TRAI, RBI FPC, DPDP, and other Indian regulatory frameworks
- Configurable routing logic that directs decisions to the appropriate outreach channel only after all checks pass
- Immutable audit trail that records every stage, providing regulator‑ready documentation for each transaction
- Control plane that logs override attempts and requires justified reasons, ensuring governance and accountability