Users

At Falcon, the User is at the heart of our platform. Whether you're a bank, a non-banking financial company (NBFC), a fintech startup, or an aggregator, our goal is to provide you with the tools and infrastructure to create, manage, and scale innovative financial products. Our platform is designed to be flexible, secure, and developer-friendly, enabling you to deliver seamless financial experiences to your customers.

👤 Understanding the User

A User refers to any entity or individual interacting with our platform to utilize our financial products and services. This includes:

Banks and NBFCs: Institutions striving to digitize and expand their financial product offerings.
Fintechs: Innovators looking to embed financial services into their offerings.
Aggregators: Platforms that converge various financial services for end-users.
End-Users: Individuals who directly engage with the financial products created on our platform.

Each user type has specific needs and requirements, and Falcon Financial Services provides tailored solutions to meet these diverse demands.

⚙️ Key Features

Credit Card Programs

Credit card programs are used to issue and manage credit cards with customizable features. Key aspects include:

Complete Card Offering: Single and dual message authorizations for credit cards. International payments are supported.
Embossing: Fully certified with major global partners, supporting country-agnostic file structures and standard ISO address file structure.
Network and UPI Integrations: Scheme agnostic certified on NPCI, Visa, and MC. Rupay credit cards on UPI are supported.
Virtual and Add-on Cards: Ability to issue virtual cards instantly with flexible expiration as well as dynamic CVV.
Strategic Integrations: Crucial product integrations such as 3DS and fraud with global, market-leading
partners.
Programmable Spends: Fully customisable suite of flex controls that can be merged and adapted to build bespoke and granular spending rules.
Interest Management: Configure different interest rate types (Fixed/Variable), accrual (daily, monthly, etc), and liquidation models basis transaction category or account status with overrides.
Fees Management: Fully configurable fee application model with flexibility to apply fees even at the transaction level.
Rewards and Benefits: Offer tailored rewards programs to enhance user engagement.
Flexible Repayment Options: Provide users with various repayment plans to suit their financial situations.
Dispute Management: Online dispute management for users to handle all aspects directly from their mobile apps.

Enterprise Solutions

For enterprise users, Falcon offers:

Scalable Infrastructure: Handle large volumes of transactions with ease.
API-First Approach: Integrate seamlessly with existing systems using our robust APIs.
Compliance and Security: Adhere to industry standards and regulations to ensure data security and privacy.
Analytics and Reporting: Attain insights into user behavior and financial performance through comprehensive analytics tools.

Aggregator Platform

Aggregators can leverage Falcon to:

Consolidate Financial Services: Offer various financial products from different providers.
User Management: Efficiently manage user profiles and preferences.
Transaction Routing: Direct transactions to the appropriate financial service provider.
Revenue Sharing Models: Implement flexible revenue-sharing agreements with partners.

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