Led by Anvesh Tiwari, the Noida-based firm targets end-to-end automation in financial services
Laraware Pvt Ltd, a fintech and AI software startup based in Noida, has officially launched what it claims to be India’s first fully AI-powered fintech software stack. The innovation marks a significant shift in the financial services landscape, as it aims to streamline operations across the sector through automation, data intelligence, and AI-native architecture.
The software stack was unveiled under the leadership of Anvesh Tiwari, Founder and Director at Laraware, who stated that the launch represents a transformative moment for banks, NBFCs, and fintech companies looking to modernize their systems.
What the AI Stack Offers
Laraware’s full-stack platform is designed to serve as an end-to-end infrastructure solution, helping financial institutions automate their operations, improve efficiency, and reduce dependency on legacy systems. The AI engine integrated into the platform enables real-time decision-making, predictive analytics, and intelligent process automation across key functions like credit underwriting, compliance, fraud detection, and customer onboarding.
According to Tiwari, the platform is “AI-native by design,” meaning it doesn’t rely on traditional back-end architecture that retrofits artificial intelligence as an add-on. Instead, AI is embedded at the core of every module, making the stack self-learning, adaptive, and responsive to dynamic financial scenarios.
Modular, Scalable, and Industry-Ready
The Laraware stack has been built with a modular architecture, allowing financial organizations to adopt it in parts or as a comprehensive suite, depending on their operational needs. It is also scalable across segments, including retail banking, microfinance, payment gateways, and wealth management.
The company claims that this flexibility will be particularly valuable for SMEs, cooperative banks, and digital-first fintechs that often lack the engineering bandwidth to develop AI systems in-house.
Key components of the stack reportedly include:
- AI-Powered Credit Scoring Models
- Automated KYC and AML Compliance Tools
- Conversational AI for Customer Service
- Behavioral Risk Assessment Engines
- Smart Collections and Loan Recovery Systems
Each module is designed to integrate seamlessly with existing digital banking systems, cloud infrastructures, and APIs.
Addressing Financial Inclusion and Regulatory Needs
Tiwari emphasized that one of the primary motivations behind Laraware’s AI fintech platform is to enable financial inclusion at scale. The software’s automation capabilities aim to lower operational costs for financial institutions, which in turn can help them offer more competitive and accessible financial products to underserved populations.
Moreover, the system has been designed with regulatory compliance in mind, ensuring alignment with India’s financial regulatory frameworks, including RBI guidelines for KYC, data protection, and audit trails.
In a post shared on LinkedIn, Tiwari stated,
“We’ve spent years engineering a stack that not only delivers efficiency and speed but also respects the regulatory complexity and ethical responsibility inherent in the financial sector.”
Growing Market Demand for AI in Fintech
Laraware’s launch arrives at a time when the Indian fintech industry is increasingly embracing AI for personalized finance, fraud prevention, and digital lending. According to industry estimates, India’s fintech sector is projected to reach a market size of $1.3 trillion by 2025, with AI-driven platforms playing a crucial role in driving that growth.
Industry experts have noted that while many fintech players are integrating AI features, few have built platforms where AI is embedded end-to-end. Laraware’s product positions itself uniquely in that respect.
What’s Next?
While the launch announcement has generated interest in India’s tech and finance circles, Laraware has not yet disclosed specific deployment partnerships or client names. However, the company has indicated ongoing pilots with financial institutions and plans for a larger rollout in Q4 2025.
As fintech companies race to improve automation and customer intelligence, Laraware’s AI-native stack could find traction among early adopters seeking a plug-and-play solution with minimal development overhead.