You adopted AI but the delivery timeline didn’t change. Our paper explains why →
Fintech
New Software Craft

AI MODERNIZATION

Monnai Goes from Dream to Delivery in 90 Days, Across 11 Countries

Incubyte helped Monnai launch a new fintech product across 11 countries in just three months.

INDUSTRY

Fintech

Service

New Software Craft

Engagement

3 months to go-live

ON THIS PAGE

    The Outcome – Potential Impact

    What this could reach once it ships

    3

    Months to go live

    92%

    Automatically tested

    $6.5M

    Funding raised in one year

    From the client

    “Their focus on best practices ensured that our product continued to evolve rapidly while we build our internal team in parallel. The well written code also made onboarding internal engineers smooth. They stood out as an agency that focused heavily on quality in addition to just getting things done.”

    • THE CHALLENGE

    Financial decisions made on outdated, local data

    Monnai set out to change how financial companies use consumer insights, by offering 500+ standardized data points accessible worldwide.
    The fintech sector was valued at USD 112.5 billion in 2021 and ready for innovation. But existing decision-making tools relied on outdated, fragmented data, gave limited insight and did not work across borders. Monnai saw a chance to give financial services real-time, comprehensive consumer insights on a global scale.
    • THE APPROACH

    From a blank slate to a global API in 90 days

    We started from nothing and focused on rapid development with solutions built to scale.

    01

    Technical foundation

    We quickly set up cloud infrastructure built for high availability, performance and security, ready for Monnai’s API-driven business model from day one.

    02

    Walking skeleton

    We shipped minimal, deployable versions with just enough functionality to start the product life cycle. This made early testing and iterative development possible, with smooth deployments.

    03

    Quality assurance

    Test-Driven Development (TDD) paired with Behavior-Driven Development (BDD) kept developers, analysts and QA aligned, gave high code coverage and let the architecture evolve safely.

    04

    Automation and scale

    Builds, deployments and database versioning were automated from the start. Infrastructure was managed with Terraform, cutting human error and allowing rapid scaling and maintenance without downtime.
    • THE OUTCOME

    Live in 11 countries, $6.5M raised

    • Global launch: live in 11 countries within three months, integrated with 17 major data partners.
    • Funding and growth: the fast market entry helped Monnai raise $6.5 million in its first year.
    • Sustainable development: best practices and automation raised product quality and kept team morale high, setting up continued growth.
    • STACK

    Tech

    Cloud infrastructure
    API-first
    TDD
    BDD
    Terraform
    CI/CD
    Database versioning

    Team

    Akshay Vadher

    Software Craftsperson – Tech Advisor

    Sanket Dhokte

    Technical Product Craftsperson

    Yogendra Jaiswal

    Software Craftsperson

    Weighing a rewrite?

    There’s a third path. Most of our work begins with a thirty-minute conversation.
    Contact Us