11 · Innovation

Building what's next in payments.

A working track record of shipping payment innovations into production — at scale, in regulated markets.

FEATURE · 01
UPI Switch
High-throughput UPI switch deployed at bank-grade scale.
FEATURE · 02
RuPay–UPI Integration
Card-on-UPI rails enabling credit-on-UPI experiences.
FEATURE · 03
Multi-Carding
Multiple cards on one credential — issued, controlled, reconciled.
FEATURE · 04
Wearables SDK
Tokenized payments embedded in wearables and IoT devices.
FEATURE · 05
NCMC
National common mobility — transit and retail on one card.
FEATURE · 06
AI Onboarding
ML-driven KYC, document parsing and risk decisioning.
FEATURE · 07
Real-time Reconciliation
Continuous match, settle and report — not batch.
FEATURE · 08
Agentic Commerce
Rails for AI-initiated commerce — agent identity, intent tokens and consent.
ISG AiLabs
Strategic Business Unit

A new venture around Agentic Payments Infrastructure.

Sachin Castelino
CEO, ISG Labs

Owned rails, agentic intelligence, and consumer and business products on top — built inside ISG's regulated payments stack.

Direct-to-Consumer

Consumer Choice Payments — simple, fast, secure.

Consumer Choice Payments — D2C app screens
  • 01
    One-stop payment companion for everyday life
  • 02
    Instant virtual RuPay card on full KYC
  • 03
    Comprehensive transit pass for metro & public transport
  • 04
    Purpose-built journeys for teens and corporate users
  • 05
    Class-leading security and trust framework
Agentic Onboarding · with IBM watsonx

ISG Sqora — agentic AI onboarding.

  • 01
    Agentic AI platform for seamless omni-channel merchant onboarding — unveiled at Global FinTech Fest 2025.
  • 02
    Built in partnership with IBM on watsonx, bringing enterprise-grade, ethical and explainable AI to the journey.
  • 03
    Fixes broken customer journeys: guided, conversational onboarding across web, app, assisted and field channels.
  • 04
    Autonomous agents collect and verify KYC, AML and underwriting inputs, then resolve exceptions instead of queueing them.
  • 05
    Smarter, scalable and auditable — activation in minutes, with every decision traceable for the acquirer.
Agentic Recon

AURA — intelligent reconciliation.

AURA orchestrates retrieval, validation, preparation and matching across CBS, NPCI and switch sources
  • 01
    Orchestrates retrieval, validation, preparation and matching across CBS, NPCI and switch sources.
  • 02
    Surfaces exceptions with context and evidenced recommendations; low-risk self-healing where appropriate.
  • 03
    AI explainability — what happened, why, and what to do next.
  • 04
    Every decision and its reasoning becomes shared organisational knowledge, so each cycle starts stronger.
MSME Expense Management · Global

MSME Expense Management Platform — field cash, digitised.

Worker home screen — balance, advances and four ways to pay
Worker
Owner executive view — float, settlement health and spend by client
Owner
Trust score profile — professional score breakdown and certification path
Trust Score
  • 01
    Mastercard, Visa or RuPay prepaid card plus mobile app for field worker, supervisor, finance and owner.
  • 02
    Advance request → approval → instant card funding → spend → auto-classification → settlement.
  • 03
    Every unit of spend tagged to client, site, phase and activity before it moves.
  • 04
    A live Trust Score per worker — attendance, settlement timeliness and receipt discipline unlock higher limits.
  • 05
    Issued on the bank's own BINs and settlement, on ISG's issuing, switching, tokenisation and reconciliation stack.