Organizations rarely fail because they chose the wrong technology. They struggle because technology, business, operations, regulation and execution don't evolve together. At 9VA, consulting begins with the business. Technology follows.
Tech Consulting, IPO Consulting, Regulatory Compliance Consulting and Buyout (M&A) Consulting — four distinct disciplines, each with its own scope. Nothing overlapping, nothing improvised.
Strategy, architecture and AI adoption — never technology chosen for its own sake. Every recommendation traces back to a business outcome, applied across banking, lending, payments and enterprise operations.
Cheque processing, ATM operations and reconciliation, modernized without replacing Core Banking.
Origination, credit decisioning and collections across the full loan lifecycle.
UPI, Bharat Connect and B2B rails, orchestrated end to end.
AI strategy, governance and agentic architecture, adopted responsibly.
Going public is a business transformation, not a financial event. We help companies become investable long before the listing date — technology, governance and reporting built to withstand investor scrutiny.
Independent assessment of architecture, scalability and technical debt.
Closing the gap between where the technology is and where a public company needs it to be.
CTO or Chief AI Officer support through the listing process, without permanent overhead.
MIS, controls and business continuity that satisfy investor diligence.
Regulation is treated as a design constraint, not an afterthought. Compliance gets built into the platform itself, so every decision is explainable and every control is auditable.
Regulatory rules and audit trails built directly into workflow, not layered on top.
Onboarding and monitoring workflows aligned to current regulatory guidelines.
Every automated decision traceable to a policy, a rule and an approver.
Secure, auditable, human-supervised frameworks for AI-assisted decisions.
Acquisitions succeed or fail on what the balance sheet doesn't show. We assess the technology and operational reality behind a deal — before, during and after it closes.
An honest read on architecture quality, technical debt and platform risk, pre-transaction.
Technology-risk input into deal valuation and structuring.
Separating shared systems and data cleanly, without disrupting either business.
Platform consolidation and synergy realization once the deal has closed.
If the answer to any of these is "no," we rethink the solution.
Does it create measurable business value?
Does it simplify operations?
Does it improve customer experience?
Does it reduce long-term complexity?
Will it still make sense five years from now?
Some organizations need strategic guidance. Some need architecture. Some need execution. Some need a long-term technology partner.
For Boards, CXOs and Founders — an independent thinking partner on what to build, modernize, or stop doing.
Business architecture, enterprise architecture, platform and AI strategy, transformation roadmaps.
Fractional CTO, Chief AI Officer or Enterprise Architect — experienced leadership, not full-time overhead.
End-to-end product development — banking, lending and payment platforms from concept to production.
Adopt, extend or integrate ASTRA, BizCollect or PRANA directly into your own ecosystem.
Technology exists to improve business outcomes. Never the reverse.
Avoid solving today's problem in a way that creates tomorrow's constraints.
Artificial Intelligence considered from day one, not added later.
Avoid vendor lock-in. Design for interoperability and open standards.
Success measured through business outcomes — not lines of code.
We think in decades, not projects.
Banks, NBFCs, FinTechs, payment companies, enterprise businesses, startups, growth-stage companies, public sector organizations, and investors & PE funds.