Foster profitable customer engagement with Artificial Intelligence

Delight customers
with a quick, smooth onboarding experience

Empower customers
with an intuitive money management app

Boost your sales
with a smart Next Best Offer recommender

Infuse confidence and assurance into credit decisions

What we do

We innovate for you. With passion, zeal, and commitment.

We leverage our expertise in Artificial Intelligence, Blockchain and Digital transformation to design, build, and deliver bespoke solutions for banking, financial services, and other businesses.

Why choose toCode


Innovation and expertise

Publication of over 35 research papers on Artificial Intelligence, Machine Learning, and a product suite embodying out-of-the-box inventiveness that applies the best of modern data technologies.


Global experience

A successful record of international deployments and comprehensive knowledge of regional regulatory environments to fulfill new and challenging demands.


Best-in-class support

Quick and professional support assured from our experts strategically located across three different time zones.



Result-oriented teams, agile by intuition, ethos, and diligent practice. Unwavering focus on delivering what’s committed within timelines, always ready and eager to go the extra mile.

All Insights

Why do banks need to offer personal finance management tools?

As banks increasingly look for ways to grow their market share, there are several ideas to consider. Among them is an approach that envisages…

Read More

Is investing in technology during a crisis judicious?

Lives across the world have been disrupted by the crisis caused by COVID-19. Businesses continue to grapple with unprecedented operational and economic challenges, tending…

Read More

Common misconceptions about AI

There has been so much buzz about Artificial Intelligence in recent times. The term Artificial Intelligence is quite old though, coined in 1956 by…

Read More

Get in touch
with us

Keen to benefit from the power of data and digital tech?

Learn about our solutions and services. Better still, ask for a demo. Let’s talk.

Write to us