LCode Technologies
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LCode banking software products Built for Scale.
Trusted by Banks.

LCode Technologies offers six banking software products: Digital Banking – Omni Channel, a UPI & IMPS Switch, Prosper (Digital CBS) for NBFCs and microfinance, Reach Trustee Management (RTMS) for capital trustee companies, the mPassbook digital passbook app and D-Secure Mobile App Security. They serve public, private, foreign and co-operative banks, NBFCs, microfinance institutions and trustee companies.

50+Banks
75+Clients
250M+Downloads
$2B+Daily Volume

6 PRODUCTS

OMNI CHANNEL

Digital Banking – Omni Channel

Access over Mobile, Web, Agency & USSD with cross platform capabilities

DIGITAL BANKING

View Details of Digital Banking – Omni Channel

KEY CAPABILITIES

Access over Mobile, Web, Agency & USSD with cross platform capabilities
Retail & Corporate Internet & Mobile banking capabilities
Self Registration and Link/Delink Accounts
Identity Verification (KYC/AML Compliance)
Online Video KYC process for customer from anywhere

Omni

Channel

Cross

Platform

USSD

Supported

360°

Dashboard

Digital Banking – Omni Channel product illustration
UPI & IMPS

Unified Payment Interface (UPI) & IMPS Switch

24x7 Interbank transfers and complete UPI ecosystem integration

PAYMENTS SWITCH

View Details of Unified Payment Interface (UPI) & IMPS Switch

KEY CAPABILITIES

24x7 inter bank fund transfers from multiple channels
Communicates with NPCI on a socket-based channel
Handles auto log on to the NPCI gateway
Handles inward payments and reversal in exception cases
Auto authorize payment for regular payments

24x7

Availability

NPCI

Certified

v2.0

UPI Version

P2P/P2M

Supported

Unified Payment Interface (UPI) & IMPS Switch product illustration
PROSPER (DIGITAL CBS)

Prosper (Digital CBS)

Complete Digital Core Banking Solution for NBFCs & Microfinance

END-TO-END LOAN

View Details of Prosper (Digital CBS)

KEY CAPABILITIES

Omni-channel customer onboarding on a single platform
Automated Loan Disbursement – Secure and instant fund transfer after approval
Customizable Repayment Schedules – Supports fixed, variable, and bullet payments
Collections & Recovery Automation – Digital reminders, legal workflows, and escalation tracking
AI-Driven Loan Portfolio Analytics – Tracks borrower trends, risks, and profitability

End-to-End

Loan Lifecycle

AI Enabled

KYC Extraction

Co-Lending

Supported

Real-Time

EMI Processing

Prosper (Digital CBS) product illustration
TRUSTEE MANAGEMENT

Reach Trustee Management (RTMS)

Centralized Automation Software for Capital Trustee Companies

CAPITAL TRUSTEE

View Details of Reach Trustee Management (RTMS)

KEY CAPABILITIES

Centralized Automation Software for Capital Trustee Companies
Supports Security/ Debenture/ Escrow/ Lenders Agent/ Share Pledge Trustee Services
Document generation based on pre-defined templates
Document Scanning/Storage/Controlled Access
Alerts Management for Compliance/Redemption/Interest
Integrated Billing Module

+3 more capabilities

SEBI/RBI

Reporting

CERSAI

Managed

Alerts

Automated

Billing

Integrated

Reach Trustee Management (RTMS) product illustration
mPASSBOOK

mPassbook

Concise form of physical passbook. Easy and convenient to register & use.

DIGITAL PASSBOOK

View Details of mPassbook

KEY CAPABILITIES

Details of all accounts (SB, RD, FD, and Loans) and transactions available
Real-time updates of account details and transactions
Share Customer, Branch & Transaction details via SMS/WhatsApp
Statement generation option
Enhanced in-built security through MPIN/ Fingerprint/ Face ID lock
Option for maintaining personal ledger(s) and personalized remarks for transaction(s) with graph capabilities

+3 more capabilities

Offline

Enabled

Real-time

Updates

Biometric

Security

360°

View

mPassbook product illustration
APP SECURITY

D-Secure Mobile App Security

Comprehensive mobile application security spanning binary, network, transport, authentication, and storage layers.

MOBILE SECURITY

View Details of D-Secure Mobile App Security

KEY CAPABILITIES

Code tampering access control & Analysis and Reverse Engineering prevention
Jailbreak and Debugger Detection Controls
Compromised device and Wi-Fi network detection
Root Access and Remote Access controls
Malware infections detection & Third party libraries validation
Device binding and Session handling

Code

Tampering

Jailbreak

Detection

End-to-end

Encryption

SSL

Pinning

D-Secure Mobile App Security product illustration

Compare products

Which LCode product fits your institution?

LCode Technologies banking software products compared by category, the institutions each is built for, and key capabilities.
ProductCategoryBuilt forKey capabilities
Digital Banking – Omni ChannelDigital banking
  • Banks offering retail and corporate internet and mobile banking
  • Banks serving customers through agency banking and USSD channels
  • Corporate banking teams that need maker-checker approvals and bulk transaction uploads
  • Access over Mobile, Web, Agency & USSD with cross platform capabilities
  • Identity Verification (KYC/AML Compliance)
  • Online Video KYC process for customer from anywhere
Unified Payment Interface (UPI) & IMPS SwitchPayments switch
  • Banks that need to connect to NPCI for 24x7 IMPS and UPI payments
  • Banks offering a UPI PSP app to customers
  • Banks enabling merchant payments and collect requests
  • 24x7 inter bank fund transfers from multiple channels
  • Communicates with NPCI on a socket-based channel
  • Auto authorize payment for regular payments
Prosper (Digital CBS)Digital core banking & lending
  • Non-banking financial companies (NBFCs)
  • Microfinance institutions (MFIs)
  • Lenders working with multiple originators and co-lending partners
  • Omni-channel customer onboarding on a single platform
  • Collections & Recovery Automation – Digital reminders, legal workflows, and escalation tracking
  • AI-Driven Loan Portfolio Analytics – Tracks borrower trends, risks, and profitability
Reach Trustee Management (RTMS)Capital trustee management
  • Capital trustee companies
  • Debenture, security and escrow trustees
  • Teams running lenders' agent and share pledge trustee operations
  • Supports Security/ Debenture/ Escrow/ Lenders Agent/ Share Pledge Trustee Services
  • Alerts Management for Compliance/Redemption/Interest
  • SEBI/RBI Reporting and CERSAI Management
mPassbookDigital passbook
  • Banks replacing or supplementing physical passbooks
  • Customers who want a view-only app for SB, RD, FD and loan accounts
  • Details of all accounts (SB, RD, FD, and Loans) and transactions available
  • Enhanced in-built security through MPIN/ Fingerprint/ Face ID lock
  • Off-line functionality
D-Secure Mobile App SecurityMobile app security
  • Banks and financial institutions running customer-facing mobile banking apps
  • Teams that need protection against tampering, rooted or jailbroken devices and man-in-the-middle attacks
  • Code tampering access control & Analysis and Reverse Engineering prevention
  • Jailbreak and Debugger Detection Controls
  • Device binding and Session handling

FAQ

Frequently asked questions about LCode products

Which LCode product is built for NBFCs and microfinance institutions?

Prosper (Digital CBS) is LCode's digital core banking solution for NBFCs and microfinance institutions. It covers the full loan lifecycle: a Loan Origination System (LOS) with AI-enabled KYC document extraction and co-lending support, a Loan Management System (LMS) with real-time EMI processing, field collections and a legal module for NPA recovery.

Does LCode offer UPI and IMPS software for banks?

Yes. LCode's UPI & IMPS Switch connects a bank to NPCI for real-time interbank payments. It supports all IMPS message types (P2A, P2P, P2U, P2M) and includes a Version 2.0 certified UPI Switch and PSP App. LCode launched its IMPS Switch in 2014 and its UPI application in 2016.

Which LCode product is for capital trustee companies?

Reach Trustee Management (RTMS) is centralized automation software for capital trustee companies. It supports security, debenture, escrow, lenders' agent and share pledge trustee services, with compliance, redemption and interest alerts, integrated billing and accounting, SEBI/RBI reporting and CERSAI management.

How does LCode secure mobile banking apps?

D-Secure Mobile App Security provides runtime application self-protection (RASP) across application binary, network connectivity, transport, authentication and storage layers, including code tampering and jailbreak detection, SSL pinning, end-to-end encryption and MITM and replay attack handling.

How can a bank request a demo of an LCode product?

Email reachus@lcodetechnologies.com or call +91-824-4282585 or +91-8431800280 to schedule a demo of any LCode product.

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