Omnichannel Digital Banking Platform

I need a full-stack team that can build and launch an end-to-end banking platform for Renukai Group of Finance, available on both web and mobile. The system must be production-ready, highly secure and cloud-deployable so we can scale quickly while meeting strict compliance standards.

Core functionality required
• Account management: create, view, update and close customer accounts with role-based permissions and full audit trails.
• Loan management: digital origination, approval workflows, repayment scheduling and NPA tracking.
• Transaction processing: real-time fund transfers, payment gateway hooks, NEFT/RTGS/IMPS connectors and downloadable statements.
• Deposits & SIP management: recurring deposits, fixed deposits, automated SIP scheduling and interest calculation.

User roles to support
Customer, Bank staff, Admin and a dedicated Agent role for our field sales force—each with tailored dashboards, entitlements and 2-factor authentication.

Technical expectations
• Responsive web front end (React, Angular or Vue) plus cross-platform mobile apps (Flutter or React Native).
• Microservice-based backend—Java Spring, Node.js or .NET Core preferred—exposing REST/GraphQL APIs.
• PostgreSQL or equivalent ACID database, Redis for caching, Docker/Kubernetes for orchestration.
• Built-in KYC, AML and on-boarding workflows, with plug-ins for SMS, email and push notifications.
• Comprehensive logging, role-based access control, encryption at rest/in transit and RBI-aligned audit reports.

Acceptance criteria
1. All listed modules function seamlessly across web and mobile with 99.9% uptime in UAT.
2. Transactions reconcile correctly in the ledger and export to CSV/Excel without data loss.
3. OWASP Top-10 penetration test passes with no critical findings.
4. Role matrix proves no privilege-escalation paths.
5. Source code, API documentation (OpenAPI/Swagger) and deployment scripts are delivered in a clean repository.

Provide a brief architecture outline, work plan with milestones and examples of past fintech work when you respond so we can move straight into technical discussions.