Banking
Fractional CTO for Banking
Fractional CTO for banking, built around the constraint that defines the sector: core banking systems are not to be touched, so everything integrates around them.
- Regulations in scope
- 4
- Systems we integrate
- 5
- Typical first release
- 6 weeks
What changes when it is banking
Boards need technical reality in language they can act on. Translating delivery risk into business terms is most of the value in the room.
In banking, core banking systems are not to be touched, so everything integrates around them. That single fact reshapes how fractional cto has to be built here, the guardrails, the approval points and the evidence trail are design inputs rather than things bolted on before go-live.
The workload we are most often asked to take on first is loan file assembly, usually integrated against loan management systems. We build the smallest thing that proves the case, put it in front of real users, and expand only what earns its keep.
Deployed across regulated and unregulated sectors, with audit trails where the regulator expects them. You own the code, the models where they are open-weight, and the documentation to run it without us.
The sector constraints we design around
- Defining constraint
- core banking systems are not to be touched, so everything integrates around them
- Regulations in scope
- RBI master directions · PMLA and AML · DPDP Act 2023 · cybersecurity framework for banks
- Systems of record
- Finacle · Flexcube · core banking platforms · CRM · loan management systems
- Where we usually start
- account opening documentation
Fractional CTO workloads in banking
- account opening documentation
- AML alert triage
- customer service automation
- loan file assembly
- branch reporting
What is included
- Architecture and technical debt assessment with a prioritised plan
- Engineering hiring, role definition, screening and interview design
- Vendor and platform selection with explicit criteria
- Delivery process and quality standards your team can sustain
- Board and investor technical reporting in plain language
- A handover plan for when you hire full-time
Questions from this sector
Will this touch our core banking system?
No. We integrate through supported interfaces and read replicas, never by modifying the core.
How do you handle AML false positives?
Context enrichment and tuned scoring so alert volume matches investigator capacity, with every decision explainable in a case file.
How much time do we get?
Typically one to three days a month, scaled to what is happening. Fundraising, a migration or a hiring push warrant more; steady state needs less.
Will you help us hire a permanent CTO?
Yes, and we consider it part of the job. Defining the role, screening and handing over cleanly is the intended end state.
Can you do technical due diligence?
Yes. Both sides. Assessing a target before acquisition, or preparing your own codebase for an investor's review.
Other capabilities for banking
- AI Agent Development for Banking
- Agentic Workflow Automation for Banking
- LLM Application Development for Banking
- RAG & Knowledge Retrieval for Banking
- Chatbot Development for Banking
- Voice AI Agents for Banking
- Document Processing & IDP for Banking
- AI Copilot Development for Banking
- Predictive Analytics & Forecasting for Banking
- Data Engineering for Banking
Fractional CTO for banking, worth a conversation?
Tell us the workload and the regulation it sits under. We will tell you what is realistic.
Or email bd@dtrasglobal.com · call +91 74118 77878