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Techno-Commercial Proposal · Confidential
Secure Enterprise
Multilingual
Localization Platform
A banking-grade infrastructure layer to localize Fino's website, mobile apps and digital banking touchpoints — starting with Hindi, built to scale to every Indian language.
Prepared for
A digital banking platform that finally speaks every Indian's language.
✓ Website
✓ Android & iOS apps
✓ Banking workflows
✓ SEO & CMS layer
Proposal at a glance
Executive summary
One platform. Hindi-first today, twelve Indian languages tomorrow.
Scope
3×
Website, Android & iOS applications — localized end-to-end, including in-app workflows and SEO metadata.
Delivery window
10–16 wks
Four phases from discovery to production go-live, with a working pilot within the first month.
Deployment
3 options
On-premise, bank-provided cloud, or Deneural-managed dedicated: the bank chooses the posture.
Architecture
Bank-controlled deployment
Languages at launch
Hindi → 11 more
Coverage
Web · Mobile · UI
Governance
AI + human review
Market opportunity
The next billion bank in Hindi, not English
India's internet has already crossed over to Indian languages.
57%
of urban internet users prefer Indian languagesHindi is the #1 language among them — English now serves only 43% of urban India online.
9/10
new Indians coming online speak no English: almost every incremental internet user is a regional-language user. This is the demographic Fino's mass-market model already serves.
536M
Indian-language internet users: up from 234M in 2016. The Hindi-speaking base alone is projected at ~201M, which is larger than the entire English user base.
+90%
respond better to local-language interfacesConversion, trust and engagement uplift when digital banking journeys move from English to Hindi.
The Regional Multiplier
Unlocking the world's largest single-language banking block.
60Cr
The Hindi Heartland
The primary demographic for Fino's mass-market banking expansion.
53Cr
Regional-First Users
9 out of 10 new Indians coming online are non-English speakers.
$300B+
Digital Spending Power
Projected annual consumption of India's vernacular-first economy.
Sources · IAMAI · KPMG–Google · Statista · BCG
अ
Why now · Fino's digital momentum
A digital-first bank meeting a regional-first customer
Fino's growth is already in the vernacular India Hindi will serve.
1.68 Cr
Total customer base: Dec 2025. 8.7 lakh new accounts were added in Q3 FY26 alone.
59.8 L
Digitally active customers: up 22% YoY in Dec 2025; every one is a candidate for native-language banking.
97%
of India's pincodes covered: ~19 lakh banking outlets, mostly in Tier 2 / 3 / rural India where Hindi dominates.
FY25 transaction throughput+29% YoY · digital throughput crossed 49% of all transactions.
An asset-light, merchant-led, mass-market bank in transition to a Small Finance Bank (SFB) licence: with a customer base for whom Hindi is not just a preference, it's the default.
UPI volume · FY25
288Cr
UPI transactions in FY25 — up +80% YoY. ~1 crore transactions every day in Q4 FY25, the bulk of them flowing through mobile screens that today render only in English.
Source · Fino Payments Bank FY25 results
01
Part one
The solution: a multilingual infrastructure layer built for regulated banking.
Not a SaaS subscription. Not a plugin. A controlled, owned, auditable platform that sits inside Fino's perimeter — and turns every digital surface multilingual at the press of a deploy.
Our understanding
The mandate, stated plainly
Localize the bank (website, apps, workflows) without giving up control of any of it.
| Area | Requirement |
|---|---|
| Website | Localization of public-facing pages built on Drupal + Cloudflare |
| Mobile apps | Android & iOS application localization, including in-app strings & flows |
| Launch language | Hindi — built so additional languages add without redesign |
| Scale | ~1M+ monthly page views, with SEO-compliant multilingual delivery |
| Security | Banking-grade privacy, infrastructure ownership, auditability |
| Governance | Controlled review & approval workflows with full traceability |
| Long-term need | Sustainable multilingual infrastructure — not a recurring SaaS dependency |
Non-negotiables we heard
For a payments bank moving toward an SFB licence, language is just the surface; the real ask is control.
- Data privacy: no external cloud routing of bank content
- Infrastructure control: bank-owned or bank-approved environments
- Auditability: workflow-level traceability across every translation
- Operational ownership: perpetual rights, no vendor lock-in
- Minimal third-party surface: fewer attack vectors, lighter compliance
Why not a SaaS translation vendor
Conventional vs. proposed
SaaS localization platforms were built for marketing copy. A bank needs something else.
| Concern | Typical SaaS vendor | Deneural × Transformics |
|---|---|---|
| Infrastructure | Vendor-controlled cloud, multi-tenant | Bank-controlled deployment, single-tenant |
| Data exposure | External routing of content possible | Controlled internal architecture |
| Ownership | SaaS dependency, no operational asset | Perpetual operational rights for the bank |
| Long-term cost | Subscription escalation tied to volume & languages | Predictable enterprise model, capped AMC |
| Governance | Vendor-centric workflows, limited visibility | Bank-centric workflows, full audit trail |
| Security surface | Additional third-party attack vectors | Dedicated, isolated, VAPT-ready stack |
| Translation quality | Generic engines, limited BFSI context | Multi-model AI + structured human review for BFSI |
| Software ownership | Right-to-use only: ends with the contract | Perpetual operational rights on the deployed platform |
| Scope coverage | Pre-login & non-transactional content only | Website, apps & banking UI workflows in scope |
| Search & user content | Typically excluded — search stays English-only | Multilingual search & UI strings as part of the build |
Solution architecture
A multilingual orchestration platform
Five layers, one perimeter.
Layer 5 · Delivery surface
SEO-compliant website
Multilingual rendering · Cloudflare-friendly
Android app
String pipeline · in-app banking flows
iOS app
String pipeline · in-app banking flows
Banking UI & workflows
Forms, errors, statements, notifications
Layer 4 · Orchestration
Content extraction & routing
CMS / API connectors · mobile string pipelines
Translation memory
Reuse, consistency, cost compression
Glossary & terminology
Banking-specific lexicon, RBI compliance terms
Layer 3 · AI + human
Multi-model AI translation
Contextual validation across multiple engines · scoring
Human review portal
Linguists · approvers · compliance reviewers
Workflow engine
Approvals · versioning · rollback
Layer 2 · Governance
RBAC
Role-based access
Audit trail
Every action logged
SLA dashboards
Throughput & latency
Compliance controls
Publishing gates
Layer 1 · Secure infrastructure (bank-controlled)
Encryption & key mgmt
Network isolation
VAPT-ready hardening
SIEM / monitoring hooks
Platform capabilities
What the platform actually does
Twelve capabilities, one operating model.
Website localization
Drupal-native pipeline with SEO-correct multilingual URLs & metadata.
Mobile app localization
Android & iOS string-resource pipelines wired to your CI/CD.
Banking UI & workflow
Forms, errors, statements and journey copy — all localized in context.
Multi-language scalability
Onboard the next language without re-architecting anything.
Translation memory
Reuse approved translations — drive cost down, consistency up.
Glossary & terminology
A managed lexicon for banking terms — the same word, every time.
Human review workflows
Reviewer, approver, compliance — structured queues with SLAs.
AI-assisted translation
Multi-model engines, scored and compared for context fidelity.
RBAC & access control
Roles, permissions and segregation of duties out of the box.
Audit logging
Immutable trail of who translated, reviewed, approved & published.
CMS & API integration
Connectors for Drupal, Cloudflare, mobile pipelines & future systems.
SEO-compliant rendering
hreflang, sitemaps, canonical URLs — multilingual SEO done right.
Translation workflow
AI does the volume. Humans own the meaning.
Every string travels the same five-stage path — extract, translate, score, review, publish.
1
Extract
Strings, metadata and content pulled from Drupal, app resource files and APIs into a unified queue.
Platform
2
AI translate
Multi-model engines produce candidate translations with glossary & translation-memory context.
AI engines
3
Score & compare
Contextual validation pipeline scores candidates for accuracy, tone and banking-term fit.
Platform
4
Human review
Native linguists & compliance reviewers correct, approve or reject — with full version history.
Linguists
5
Publish
Approved translations push back to Drupal, app builds and APIs — with audit trail and rollback.
Platform
Security & governance
Banking-grade by design
Built to sit comfortably inside an RBI audit.
Defence in depth
Twelve controls, one perimeter, zero unnecessary third-party hops.
No bank content ever needs to leave a Fino-controlled environment. Every model call, every reviewer action, any audit log stays where compliance can see it.
01
Role-based access
Granular RBAC across reviewers, approvers, admins & auditors.
02
Controlled workflow approvals
No string is published without the configured sign-offs.
03
Infrastructure isolation
Single-tenant, with optional air-gap topology.
04
Encryption
In transit and at rest — key management aligned to bank policy.
05
Audit trail
Immutable, time-stamped log of every action across the platform.
06
Logging & monitoring
Hooks for SIEM integration, alerting and forensic review.
07
Restricted operational access
Just-in-time access & segregation of duties for engineers.
08
VAPT readiness
Hardened build, regular scans, third-party VAPT support.
09
Secure deployment
Hardened images, IaC, controlled CI/CD pipelines.
10
Controlled publishing
Multi-eye gating before any string ships to production.
11
SLA-backed uptime
99.9% platform uptime · response-time SLAs on translation APIs.
12
No external whitelisting
No bank network needs to open up to a vendor's shared cloud.
02
Part two
Delivery: a working pilot by week four. Production by week sixteen.
Phased, evidence-driven, fixed-price. No mystery sprints, no open-ended retainers. Each phase ends in a deliverable the bank can sign off in writing.
Phased execution model
Four phases, four sign-offs
Every phase ends with something the bank can use.
01
Phase one
Discovery & technical assessment
1–2 weeks
- Website & mobile structure audit
- Drupal & CDN integration analysis
- Content & API dependency mapping
- Security & infra planning
- Architecture & roadmap document
02
Phase two
Prototype & pilot deployment
2–3 weeks
- Pilot localized pages & flows
- Translation workflow setup
- UI adaptation testing
- SEO validation
- Working demo portal for review
03
Phase three
Full platform development & integration
4–6 weeks
- Translation orchestration engine
- CMS & mobile pipeline integration
- Workflow engine & review portal
- RBAC, glossary, translation memory
- Audit logging & monitoring
04
Phase four
Testing, UAT & production rollout
2–3 weeks
- QA & localization validation
- Performance optimization
- UAT & stakeholder sign-off
- Production deployment
- Team training & handover
Indicative timeline
10–16 weeks, end to end
From kick-off to go-live in a single fiscal quarter.
W1W2W3W4W5W6W7W8W9W10W11W12W13W14W15W16
Discovery & planningPhase 1
Prototype & pilotPhase 2
Platform developmentPhase 3
Integration & testingPhase 3 / 4
UAT & go-livePhase 4
Indicative — final timing depends on integration complexity, approvals & infra readiness
● Build ● Review & validation
Multi-language scalability
Built for one language. Designed for twelve.
The platform is a SaaS-ready architecture.
Hindi launches first. Every other language plugs in.
Launch
हिन्दी
Hindi
मराठी
Marathi
বাংলা
Bengali
தமிழ்
Tamil
తెలుగు
Telugu
ಕನ್ನಡ
Kannada
ગુજરાતી
Gujarati
മലയാളം
Malayalam
ਪੰਜਾਬੀ
Punjabi
ଓଡ଼ିଆ
Odia
অসমীया
Assamese
+
More to follow
Each additional language is an incremental onboarding — not a platform rebuild. The architecture is designed to absorb new languages without redesign. Commercial terms for each language tranche will be agreed separately based on content volume and compliance requirements.
Infrastructure deployment
Three ways to run it
Pick the deployment model that suits the bank's posture today.
Option A
Fully on-premise
Entire platform deployed inside Fino's infrastructure. Maximum control, strongest compliance posture.
- Internal governance end-to-end
- Zero external infra dependency
- Easiest fit for SFB-grade audits
ServersFino
DeploymentDeneural
MaintenanceDeneural
Security policyFino
Recommended
Option B
Fino-owned, Deneural-managed VPS
Deployed inside a cloud or VPS environment contracted and owned by Fino, but fully managed by Deneural — the fastest, most flexible deployment model.
- Fino retains absolute infrastructure ownership
- Deneural manages the technical stack & uptime
- Cleanest split of operational responsibility
Cloud / VPSFino (Contractor)
DeploymentDeneural
MaintenanceDeneural
Security policyFino
Option C
Deneural-managed dedicated
Isolated, dedicated infrastructure provisioned and managed by Deneural — fastest to deploy.
- Lowest internal infra effort
- Dedicated, isolated environment
- Fully managed ops & monitoring
InfrastructureDeneural
DeploymentDeneural
MaintenanceDeneural
Operations & monitoringDeneural
Resource allocation
A dedicated, named team
No shared resources, no rotating consultants.
AI
Autonomous AI Agents
24/7 Translation & Orchestration
H
Human Reviewers
Native Linguists (L1/L2)
SA
Solution Architect (SA)
Dedicated Technical Thread
PM
Project Manager (PM)
Dedicated Relationship Owner
Hybrid Model
AI agents handle 90% of volume; humans audit the critical 10%.
24/7 Monitoring
AI agents monitor API health and translation latency in real-time.
Domain Experts
Linguists specialize in BFSI compliance and Indian banking terminology.
Final Oversight
Every critical banking flow undergoes mandatory human sign-off.
A single project manager owns the relationship end-to-end. A single solution architect owns the technical thread. Both sit on a weekly cadence with Fino's program lead.
Single accountable team.
03
Part three
Commercials: ₹30.5L to build, ₹9L a year to run.
Fixed-price implementation. Predictable AMC. Optional infra. Clear pay-per-word for human translation. Everything on the following pages, then a single line at the bottom.
One-time implementation
A · One-time charges
Fixed price, component by component.
| Component | What it covers | Cost (INR) |
|---|---|---|
| Discovery & architecture planning | Audit, architecture, security & infra strategy, roadmap | ₹3,50,000 |
| Prototype & pilot development | Working pilot, demo portal, sample multilingual rendering | ₹4,50,000 |
| Translation orchestration platform | AI engines, scoring, translation memory, glossary, RBAC | ₹9,50,000 |
| CMS & mobile integration | Drupal pipeline, Android & iOS string pipelines, APIs | ₹5,50,000 |
| Human review workflow system | Reviewer portal, approval flows, version history | ₹3,00,000 |
| Security hardening & deployment | Hardening, encryption, audit logging, deployment IaC | ₹2,50,000 |
| QA, UAT & training | Functional & performance QA, UAT, team training | ₹2,00,000 |
| Total one-time implementation | + GST as applicable | ₹30,50,000 |
Recurring & variable
B · Infrastructure · C · AMC · D · Content
Run-rate & pay-per-word, all on one page.
B · Infrastructure (annual)
Deneural-managed dedicated
₹7.5L
Dedicated secure cloud infrastructure
₹4,80,000
Monitoring & backup systems
₹1,20,000
Managed deployment operations
₹1,50,000
Option A or B · handled by Fino
AMC (annual)
Platform maintenance & support
₹9L
Platform maintenance
₹3,50,000
Security updates
₹1,00,000
Workflow enhancements
₹1,50,000
Technical support
₹2,00,000
Monitoring & optimization
₹1,00,000
From production go-live · renewable
D · Content localization & review (pay-per-use)
You only pay for what you translate.
AI-assisted
Included
Within platform workflows
Human review
₹0.80–2.50
Per word · by content tier
SEO metadata
Included
Multilingual SEO out of the box
Compliance review
Scope-based
For regulated banking content
Payment milestones
Four installments, four sign-offs
You pay as you receive value.
25%
Installment 01
Project initiation & architecture planning
Amount₹7,62,500
25%
Installment 02
Prototype & pilot completion
Amount₹7,62,500
30%
Installment 03
Platform development & integration completion
Amount₹9,15,000
20%
Installment 04
UAT approval & production go-live
Amount₹6,10,000
All amounts in INR · GST extra as applicable
Total · ₹30,50,000 + GST
Why this partnership
A studio + an agency, not a vendor
Engineering DNA from Deneural. Banking-marketing depth from Transformics.
A
AI-first venture studio
Deneural is an AI-first studio led by IIT alumni — we've designed, built and scaled multi-model AI systems for production. The orchestration engine, scoring pipeline and review workflows are core to our practice, not a one-off.
B
BFSI marketing in our partner's blood
Transformics brings banking communication expertise — tone, terminology, compliance sensitivity and audience nuance for Indian banking customers across Hindi and regional belts.
C
Bank-controlled by default
We do not sell a SaaS subscription. We hand Fino the keys — perpetual operational rights, source-level documentation, on-prem or VPC deployment, and an exit story that doesn't depend on us.
About · Deneural Ventures
The engineering partner
Deneural · come for the performance, stay for the flexibility.
Customized product engineering and AI transformation for enterprises, leveraging neural networks in unexplored sub-niches.
Deneural Ventures Private Limited
Deneural is an AI-first venture studio founded by IIT-IIM alumni. We combine elite engineering with specialized product development to solve complex industrial challenges for large-scale enterprises.
Agentic Development
Engineering intelligent AI agents and autonomous workflows using NLP and specialized ML.
AI Transformation
Customized AI integration and product development for large-scale enterprise digital transformation.
Fintech & Banking
Deep domain depth in banking operations, accounting systems, and regulated financial workflows.
Deep Tech Innovation
Leveraging neural networks in unexplored sub-niches across manufacturing, services, and industrial AI.
Track Record: We have paved the way to form 4 tech-unicorns in India. Our collective work has facilitated approximately $500M+ in follow-on investments for our partners.
About · Transformics Marketing
The communications partner
Transformics · communications that travel across languages.
An ROI-driven performance marketing agency specializing in digital growth, marketplace dominance, and multilingual customer acquisition for Indian enterprises.
Transformics Marketing Private Limited
A Mumbai-based performance agency that combines data-driven advertising with deep linguistic nuance to scale Indian brands across 22+ regional language belts.
Performance ROI
Specialists in Google Ads, Meta Ads, and full-funnel conversion tracking for high-volume enterprises.
Multilingual Growth
Performance campaigns in 22+ regional languages with native-level communication strategies.
Marketplace Ops
Amazon & Marketplace account management, A+ content, and search optimization.
GTM & Growth
Managing CAC optimization for high-volume enterprises.
Terms & conditions
The fine print, written plainly
What's in scope, what's not, who owns what.
All prices are exclusive of GST; GST applicable as per prevailing regulations.
02
Any scope beyond the agreed scope shall be chargeable separately and mutually estimated.
03
Major application architecture changes may require re-estimation of timeline and cost.
04
Infrastructure cost may vary with deployment scale, traffic patterns and chosen option.
05
Third-party audits or certifications, if required, shall be billed separately at cost.
06
Delivery timelines depend on timely access, approvals and infrastructure readiness from Fino.
07
Content accuracy approvals shall remain subject to client-side validation where required.
08
Platform framework, orchestration engine & methodology remain IP of Deneural Ventures.
09
Fino receives perpetual operational rights for the deployed implementation.
10
Future feature expansion or workflow modifications shall be mutually estimated separately.
11
Annual support renewals shall be mutually agreed prior to expiry.
12
Delays caused by third-party dependencies or unavailability may proportionally impact timelines.
×
Next step
A 60-minute walkthrough with your digital, tech & compliance teams — and we kick off Phase 01.
Prepared by
Mr. Rohit Wakode
Managing Director, Deneural Ventures Pvt. Ltd.
B.Tech, IIT Bombay · Dean’s List | MSc, DTU Denmark
MS, UC Berkeley, USA | LLB, GLC Mumbai
BATT Researcher - DoE, UC Berkeley, USA
MS, UC Berkeley, USA | LLB, GLC Mumbai
BATT Researcher - DoE, UC Berkeley, USA
rohit@deneural.com | rohitnwakode@gmail.com
India: (+91) 9004-769-371 | UAE: (+97) 1503-510-323
Headquarters
Deneural Ventures Pvt. Ltd.
303-305, Wework Zenia, Near North Point,
Hiranandani Estate, Off GB road,
Thane (West) MH-400607, India
Hiranandani Estate, Off GB road,
Thane (West) MH-400607, India
deneural.com
Partners
Transformics Marketing Pvt. Ltd.
544 Regus, Symphony IT Park,
Off Raheja Vihar Road, Powai,
Mumbai 400076, India
Off Raheja Vihar Road, Powai,
Mumbai 400076, India
transformics.co.in