M2P

M2P Fintech (m2pfintech.com) supplies financial infrastructure software that banks, lenders and fintech companies use to launch and operate banking, lending and payment products. The company describes its platform as an AI-native, API-first core organised into six product areas: a modular core banking stack covering deposits, payments, lending, cards, fraud and compliance; a payments layer that orchestrates prepaid cards, UPI, merchant acquiring, fleet management and cross-border flows; a card issuance and management suite spanning issuance, spend controls, risk and settlement; a core lending suite covering origination, underwriting, servicing and collections; a customer onboarding and KYC module with facial verification, AML checks and digital workflows; and an operations layer for reconciliation, exception handling and workflow management.

Across these modules the company markets embedded AI agents for specific tasks, including fraud detection, transaction intelligence, customer service and banking assistance, compliance and reporting, card issuance, spend controls, risk-based authentication, early warning, bank statement analysis, property valuation, KYC remediation, document intelligence and underwriting scrutiny. The platform is positioned around configurability, pre-integrated modules, no-code orchestration and composable services intended to shorten product launch cycles, and around regulatory compliance and controls for institutions expanding into new markets.

Business model

M2P sells financial infrastructure technology to institutions rather than financial products to consumers, licensing a modular platform that customers embed into their own applications and business processes via APIs.

Traction

Company-reported figures include 800+ fintech engagements, 200+ banks, 300+ lenders, more than 50 million end customers serviced and over 20 billion transactions processed across more than 30 countries.