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Zethic Technologies LLP

Fintech • Banking

Simplifying Policy Management for Bandhan Bank

About Bandhan Bank:

One of India’s Leading Private Sector Banks

Bandhan Bank, headquartered in Kolkata, West Bengal, is one of India’s fastest-growing private sector banks. Bandhan serves over 3 crore customers across the country. It offers a mix of retail banking, lending, and financial inclusion services. 
With its rapid expansion, Bandhan Bank needed a robust digital system to streamline its internal processes, while maintaining compliance. Zethic successfully deployed and delivered four fintech management systems to meet Bandhan’s needs.

Outgrowing Manual Policy Management

When Bandhan Bank approached us, their internal policy processes were suffering. These were management manually, fragmented across spreadsheet programs, cloud drives, and email chains.
This was not just causing bottlenecks in their workflows. They were subjecting their internal processes to compliance liabilities. Miscommunications were common.
Bandhan Bank approached Zethic to design a solution that could digitize, centralize, and simplify their internal policy governance — while maintaining banking-grade security and compliance standards.

Industry

Banking & Financial Services

Platform

Services

Product Development | UI UX Design | Development | Workflow Automation | Secure API Integrations

Business Type

Enterprise / B2B / Compliance Tech Platform

The Requirements: What the Platform Had to Deliver

The mandate for Zethic was to create a policy management system tailored to Bandhan’s needs. The system had to:

Replace spreadsheets with a single centralized repository.

Simplify user experience so employees across levels could adapt quickly.

Introduce automated approval workflows to mirror Bandhan Bank’s internal hierarchy.

Provide complete audit trails with timestamps, logs, and version history.

Ensure maximum security with role-based access and regulatory compliance.

The Technologies Used

In response to Bandhan’s requirements, our team at Zethic picked a personalized software stack:

01

Design

Figma for role-based interfaces

02

Frontend

Next.js and React.js for scalable user flows.

03

Backend

Golang for performance and security

04

Database

PostgreSQL for structured data governance

05

Security

LDAP authentication and complete audit logging

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The Challenges

When we began the design and development for PINPoint, our team had to get closely acquainted with Bandhan’s specifications – to deliver a platform that was actually competent.

High Personalization

The platform in question had to be highly personalized to the banking industries. All features had to reflect real-world banking workflows, security measures, and Bandhan’s customization requirements.

Legacy Processes

Transitioning from Bandhan’s policy management setup – spreadsheets and emails – to a modern platform, had to be done without disruption. The new solution had to be more intuitive and accessible.

User Adoption

A challenge faced by our design team was to ideate an interface easy enough for non-technical staff to embrace.

Compliance Readiness

Bandhan’s internal processes had to meet the compliance requirements of RBI IT< GDPR, and ISO standards. To support this, every action within the platform had to be logged and traced.

The Development Journey

We followed a modular SDLC model. Agile sprints were used to build and test core modules.

Zethic worked closely with Bandhan Bank’s compliance, IT, and operations teams to map out the entire policy lifecycle. We identified bottlenecks in the existing spreadsheet-driven workflow.

The Solution: Helping Bandhan Achieve Their Policy Management Goals

The tailored Policy Hub implementation for Bandhan Bank included:

Here’s why PINPoint was a game changer

We created workflows for routing individual policies. These workflows matched Bandhan’s Bandhan’s organizational hierarchy, from the policy initiator to the final signatory. We parallelized these workflows to make sure the policy processing did not get stuck.

Automated Approval Workflows

Bandhan’s need for a compliance-oriented platform was clear. We added extensive logging features: timestamped logs for every action, version control for each internal policy.

Audit & Version Control

Simplified Dashboards

Throughout the process, we prioritized creating a clean, role-based user interface. Users would neither need to resort to manual management, nor be overwhelmed with nonessential features.

The Result

With Zethic’s Policy Hub implementation, Bandhan Bank replaced its manual processes with a centralized internal policy management system.
Zethic continues to collaborate with Bandhan Bank on evolving the platform, adding new features, and supporting broader digital transformation goals.

Zethic is now offering Policy Hub as a management and compliance solution for the fintech industry.

Get in touch with us today to find out how Policy Hub can transform your internal policy management.

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