Finance, Banking & Fintech
ZoikoTech delivers the digital foundation for the future of finance — empowering banks, fintechs, payroll platforms, digital lenders, and financial wellness providers to operate with intelligence, speed, and trust.
We serve a broad range of financial actors — from neobanks and B2B payment processors to underbanked market innovators — with a full suite of platforms that combine global-scale infrastructure, embedded compliance, advanced monetization, and zero-trust cybersecurity.
Whether you’re building a real-time payroll engine, expanding a digital banking ecosystem, managing multi-currency payments, or launching a financial wellness app — ZoikoTech delivers the backbone for growth, resilience, and regulation.
We also power ZoikoPal™, our flagship AI-powered financial wellness companion for seniors and caregivers — enabling secure, voice-activated financial assistance, bill management, and fraud prevention for aging populations and their support networks.
ZoikoAxis™ – Infrastructure for Modern Finance
ZoikoAxis™ enables financial institutions and fintech innovators to launch tailored financial ecosystems — with regulatory agility, full-stack modularity, and integration flexibility.
Capabilities include:
- Core fintech workflow design (KYC, onboarding, transaction routing, account management)
- Integration with payment networks (Visa, Mastercard, ACH, RTP, SWIFT)
- Embedded finance APIs for third-party platforms and white-label partners
- Multi-role user architecture (consumer, business, admin, partner)
- Support for digital wallets, BNPL, remittances, and wealth platforms
With ZoikoAxis™, finance becomes programmable, compliant, and borderless.
ZoikoNex™ – Monetization Engine for Financial Products
ZoikoNex™ handles complex financial billing models — from SaaS pricing and interchange fees to tiered payroll structures and multi-party remittance charges.
Features:
- Usage-based, subscription, per-transaction, and performance-linked billing
- Support for multi-currency invoicing and FX calculations
- Dynamic tax compliance (VAT, GST, withholding, excise) across regions
- Merchant payout engines and fee-sharing models
- Financial dashboards for revenue analytics, audit prep, and compliance
ZoikoNex™ ensures monetization is intelligent, transparent, and globally compliant.
ZoikoAssure™ – Embedded Compliance for Financial Institutions
ZoikoAssure™ is your regulatory brain — automating compliance with jurisdiction-specific rules and embedding oversight across your product lifecycle.
Applications include:
- Regulatory mapping across HIPAA, GDPR, FDA, CE, MDR, ISO, and FSMA
- Embedded workflows for consent, labeling, storage, and export requirements
- Automated alerts for jurisdiction-specific health mandates
- Digital audit trails for regulatory inspections and documentation
- Cross-market policy governance for international product launches
With ZoikoAssure™, financial compliance is no longer reactive — it’s systemic.
ZoikoShield™ – Zero-Trust Security for Financial Systems
ZoikoShield™ protects financial systems, user credentials, payment data, and access gateways from modern cyber threats — ensuring every transaction, session, and connection is shielded from risk.
Security stack includes:
- Biometric and MFA-secured authentication
- Tokenization of cardholder and personal data
- Behavioral anomaly detection for fraud prevention
- Business continuity planning for regulated and high-sensitivity environments
- Secure APIs and encryption protocols for every payment rail
- Disaster recovery, breach containment, and compliance-aligned forensics
Because financial trust is only as strong as the system behind it — and ZoikoShield™ ensures it never breaks.
Zoiko Web Services – Frontend Portals for Digital Finance
Zoiko Web Services™ powers user interfaces for fintech platforms, payroll systems, merchant apps, and neo-banks — with seamless UX, embedded regulatory logic, and market-optimized performance.
Use cases:
- Digital banking portals with multilingual interfaces and tiered access
- Payroll self-service platforms for employees, HR, and finance teams
- Merchant onboarding, payout dashboards, and transactional insights
- Financial inclusion tools for underserved populations and micro-enterprises
- Senior-friendly portals integrated with ZoikoPal™ for voice-guided navigation and financial control
We bring clarity, trust, and dignity to digital finance — for every user, everywhere.
ZoikoPal™ – AI-Powered Elderly Support Platform
Built on ZoikoTech infrastructure, ZoikoPal™ enhances aging-in-place through intelligent assistance, emotional engagement, and seamless connectivity. It offers voice-guided companionship, medication reminders, health check-ins, caregiver alerts, and AI-enhanced reassurance — underpinned by privacy and ethical AI design.
- Voice-activated bill payment and balance inquiries
- Automated alerts for suspicious financial activity or missed payments
- Personalized financial wellness nudges an budgetinginsights
- caregiver oversightand shared account views with permission-based controls
- Accessibility-first alugned with cognitive and visual needs
ZoikoPal™ brings dignity and support to digital aging.
Built for Global Finance. Designed for Trust.
ZoikoTech serves regulated and emerging financial markets across the U.S., UK, EU, LATAM, Africa, and Asia-Pacific. Our platforms support:
- Licensed digital banks and regulated financial institutions
- Payroll, benefits, and remittance platforms (including TropiPay)
- Embedded finance solutions and RegTech platforms
- Fintech disruptors in lending, insurance, and payments
- Institutions advancing financial inclusion and responsible finance