News and MediaTransaction Banking ReportBlogs
About Us
Txb HubTrustHubAPI Hub
Success Stories
Contact Us
Login

Capwise’s Success Story

A journey to transform complex payment workflows into seamless digital processes.

TransBnk CIB

Capwise is a digital lending and financial advisory platform that simplifies access to personal finance products like loans, credit cards, and insurance. By leveraging smart algorithms with leading banks and NBFCs, Capwise offers personalized recommendations tailored to an individual's financial profile.

The Challenge

As part of their ambitious digital transformation initiative, Capwise needed to revolutionize their mandate management and collection system. With exponential growth in customer base and transaction volumes, the leadership team identified critical areas requiring improvement.

Fragmented and Manual Mandate Creation Workflows

Fragmented and Manual Mandate Creation Workflows

Elevated Processing Costs and Slower Settlement Timelines

Elevated Processing Costs and Slower Settlement Timelines

Limited Integration with Banking Partners, Causing Routing Constraints

Limited Integration with Banking Partners, Causing Routing Constraints

Increased Risk of Transaction Delays Due to Account Validation Issues

Increased Risk of Transaction Delays Due to Account Validation Issues

TransBnk's Solution

To address these challenges, TransBnk implemented its comprehensive All-in-One NACH Suite, designed to transform the entire mandate lifecycle management.

Multi-Authentication NACH Platform

Supporting all mandate creation modes

Direct NPCI Connectivity

Eliminating intermediaries and reducing processing touchpoints

Multi-Bank Integration Hub

With intelligent routing across 35+ partner banks

Bank Account Validation System

To pre-verify customer accounts before mandate initiation

High-Performance Infrastructure

Capable of handling 2000+ TPS with seamless scalability

Results Achieved

Authentication & Journey Coverage

  • Expanded authentication options from 2 to 6 modes (Aadhaar, Debit Card, Net Banking, Physical, E-sign, API)
  • Customer drop-off rate reduced from 28% to 8% through comprehensive authentication suite
TransBnk CIB
TransBnk CIB

Integration & Connectivity Scale

  • Reduced integration complexity by 85% across all banking partners.
  • Achieved near-flawless API connectivity, ensuring uninterrupted performance with zero downtime.
  • Implemented intelligent round-robin routing ensuring Flawless operational continuity

Technical Infrastructure Performance

  • Maintained 99.8% platform uptime during peak volume period
  • Reduced end-to-end mandate creation time from 15 minutes to 3 minutes
TransBnk CIB
TransBnk CIB

Mandate Success & Settlement Speed

  • Mandate rejection rate decreased from 35% to 12% through pre-validation
  • Bank account validation achieved 96% accuracy rate before mandate initiation
  • Same-day settlement achieved for a majority of transactions, significantly reducing the previous 3–4 day processing cycle.
  • Direct NPCI connectivity maintained an exceptionally high success rate, ensuring seamless operations with zero intermediary delays.