LCode Technologies
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PRODUCT PORTFOLIO

Built for Scale.
Trusted by Banks.

Enterprise-grade digital banking solutions deployed across 50+ banks and 25+ financial institutions — built for compliance and scale.

50+Banks
75+Clients
250M+Downloads
$2B+Daily Volume

6 PRODUCTS

OMNI CHANNEL

Digital Banking – Omni Channel

Access over Mobile, Web, Agency & USSD with cross platform capabilities

DIGITAL BANKING

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KEY CAPABILITIES

Access over Mobile, Web, Agency & USSD with cross platform capabilities
Retail & Corporate Internet & Mobile banking capabilities
Self Registration and Link/Delink Accounts
Identity Verification (KYC/AML Compliance)
Online Video KYC process for customer from anywhere

Omni

Channel

Cross

Platform

USSD

Supported

360°

Dashboard

Digital Banking – Omni Channel
UPI & IMPS

Unified Payment Interface (UPI) & IMPS Switch

24x7 Interbank transfers and complete UPI ecosystem integration

PAYMENTS SWITCH

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KEY CAPABILITIES

24x7 inter bank fund transfers from multiple channels
Communicates with NPCI on a socket-based channel
Handles auto log on to the NPCI gateway
Handles inward payments and reversal in exception cases
Auto authorize payment for regular payments

24x7

Availability

NPCI

Certified

v2.0

UPI Version

P2P/P2M

Supported

Unified Payment Interface (UPI) & IMPS Switch
PROSPER (DIGITAL CBS)

Prosper (Digital CBS)

Complete Digital Core Banking Solution for NBFCs & Microfinance

END-TO-END LOAN

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KEY CAPABILITIES

Omni-channel customer onboarding on a single platform
Automated Loan Disbursement – Secure and instant fund transfer after approval
Customizable Repayment Schedules – Supports fixed, variable, and bullet payments
Collections & Recovery Automation – Digital reminders, legal workflows, and escalation tracking
AI-Driven Loan Portfolio Analytics – Tracks borrower trends, risks, and profitability

End-to-End

Loan Lifecycle

AI Enabled

KYC Extraction

Co-Lending

Supported

Real-Time

EMI Processing

Prosper (Digital CBS)
TRUSTEE MANAGEMENT

Reach Trustee Management (RTMS)

Centralized Automation Software for Capital Trustee Companies

CAPITAL TRUSTEE

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KEY CAPABILITIES

Centralized Automation Software for Capital Trustee Companies
Supports Security/ Debenture/ Escrow/ Lenders Agent/ Share Pledge Trustee Services
Document generation based on pre-defined templates
Document Scanning/Storage/Controlled Access
Alerts Management for Compliance/Redemption/Interest
Integrated Billing Module

+3 more capabilities

SEBI/RBI

Reporting

CERSAI

Managed

Alerts

Automated

Billing

Integrated

Reach Trustee Management (RTMS)
mPASSBOOK

mPassbook

Concise form of physical passbook. Easy and convenient to register & use.

DIGITAL PASSBOOK

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KEY CAPABILITIES

Details of all accounts (SB, RD, FD, and Loans) and transactions available
Real-time updates of account details and transactions
Share Customer, Branch & Transaction details via SMS/WhatsApp
Statement generation option
Enhanced in-built security through MPIN/ Fingerprint/ Face ID lock
Option for maintaining personal ledger(s) and personalized remarks for transaction(s) with graph capabilities

+3 more capabilities

Offline

Enabled

Real-time

Updates

Biometric

Security

360°

View

mPassbook
APP SECURITY

D-Secure Mobile App Security

Comprehensive mobile application security spanning binary, network, transport, authentication, and storage layers.

MOBILE SECURITY

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KEY CAPABILITIES

Code tampering access control & Analysis and Reverse Engineering prevention
Jailbreak and Debugger Detection Controls
Compromised device and Wi-Fi network detection
Root Access and Remote Access controls
Malware infections detection & Third party libraries validation
Device binding and Session handling

Code

Tampering

Jailbreak

Detection

End-to-end

Encryption

SSL

Pinning

D-Secure Mobile App Security