Ok, bro, I dont argue. Maybe I there's another enterprise banking app that's bigger than CBA, If you know any CBA, that's bigger than T24, Oracle flexcube, Bank One Finacle. Please, I would like to know.
Remember, most Central Banks run on all these CBAs.
CBN run on T24
35
Jun 11
IDEAL CV FORMAT GUIDELINE
1. Header (Contact Information)
Full Name
Location: City, State, Country
Email: Professional Email Address
Phone Number
LinkedIn Profile (if available)
2. Professional Summary (Elevator Pitch)
A 3-4 sentence summary highlighting years of experience, key skills, and measurable achievements.
3. Key Skills (ATS-Optimized & Categorized)
Example:
Customer Service & Support: Query Resolution, Complaint Handling, Retention Strategies
Software Proficiency: Banking Software (Finacle, Flexcube), CRM Systems, MS Office Suite
Administrative & Analytical Skills: Report Writing, Data Analysis, Documentation
4. Professional Experience (Reverse Chronological Order)
Job Title | Company Name | Location | Dates of Employment
Key Achievements:
• Use bullet points (4-5 per role)
• Highlight measurable achievements
• Incorporate industry-specific keywords
5. Education
Degree | Institution | Location | Year of Completion (or "In View" if ongoing)
6. Certifications & Training (If Applicable)
Customer Service Training
Banking & Financial Services Certifications
CRM & Banking Software Training
7. Additional Information (Optional)
Languages Spoken (if relevant)
Professional Membership
Why This Format Works:
✅ ATS-Friendly – Uses keywords & clear formatting
for easy parsing.
✅ Recruiter-Friendly – Highlights achievements &
skills upfront.
✅ Professional & Clean – Focuses on relevant
information without clutter.
Ready to Land Your Dream Job In 2025?
Whether you're a recent graduate, career changer, or just looking for a fresh start, having a standout CV is KEY to getting noticed by recruiters and hiring managers!
That's why OYK is excited to offer a LIMITED-TIME DISCOUNT on professional CV revamp services!
Here's what you'll get:
✅ A polished, ATS-friendly CV tailored to your industry
✅ Strong action verbs and quantifiable achievements to highlight your strengths
✅ Customized formatting to help you stand out
✅ Career advice and tips on improving your job search strategy
Why OYK is offering this discount?
- To make it easier for job seekers to get the help they need
- To help YOU achieve your career goals without breaking the bank!
This is a perfect opportunity to upgrade your CV and make your next job application shine. Don’t miss out—this offer will only last for this weekend!
Send a mail to cv@oyk.co.ke with Subject 'Revamp Discount'
Discount Offer reserved exclusively for only requests sent via official mail
1
3
428
Jun 10
IDEAL CV FORMAT GUIDELINE
1. Header (Contact Information)
Full Name
Location: City, State, Country
Email: Professional Email Address
Phone Number
LinkedIn Profile (if available)
2. Professional Summary (Elevator Pitch)
A 3-4 sentence summary highlighting years of experience, key skills, and measurable achievements.
3. Key Skills (ATS-Optimized & Categorized)
Example:
Customer Service & Support: Query Resolution, Complaint Handling, Retention Strategies
Software Proficiency: Banking Software (Finacle, Flexcube), CRM Systems, MS Office Suite
Administrative & Analytical Skills: Report Writing, Data Analysis, Documentation
4. Professional Experience (Reverse Chronological Order)
Job Title | Company Name | Location | Dates of Employment
Key Achievements:
• Use bullet points (4-5 per role)
• Highlight measurable achievements
• Incorporate industry-specific keywords
5. Education
Degree | Institution | Location | Year of Completion (or "In View" if ongoing)
6. Certifications & Training (If Applicable)
Customer Service Training
Banking & Financial Services Certifications
CRM & Banking Software Training
7. Additional Information (Optional)
Languages Spoken (if relevant)
Professional Membership
Why This Format Works:
✅ ATS-Friendly – Uses keywords & clear formatting
for easy parsing.
✅ Recruiter-Friendly – Highlights achievements &
skills upfront.
✅ Professional & Clean – Focuses on relevant
information without clutter.
Ready to Land Your Dream Job In 2025?
Whether you're a recent graduate, career changer, or just looking for a fresh start, having a standout CV is KEY to getting noticed by recruiters and hiring managers!
That's why OYK is excited to offer a LIMITED-TIME DISCOUNT on professional CV revamp services!
Here's what you'll get:
✅ A polished, ATS-friendly CV tailored to your industry
✅ Strong action verbs and quantifiable achievements to highlight your strengths
✅ Customized formatting to help you stand out
✅ Career advice and tips on improving your job search strategy
Why OYK is offering this discount?
- To make it easier for job seekers to get the help they need
- To help YOU achieve your career goals without breaking the bank!
This is a perfect opportunity to upgrade your CV and make your next job application shine. Don’t miss out—this offer will only last for this weekend!
Send a mail to cv@oyk.co.ke with Subject 'Revamp Discount'
Discount Offer reserved exclusively for only requests sent via official mail
2
397
Jun 9
if any FLEXCUBE Implementation consultant lookin for change.... Plzz msg me...
29
🇳🇬 Hiring: Core Banking Officer
📍 Lagos, Nigeria | Full-Time
Key Responsibilities
• Administer, monitor, and maintain core banking applications (Temenos T24, Flexcube, Finacle, or similar)
• Oversee EOD and EOM processing cycles ensuring accuracy and timeliness
• Collaborate with IT, Operations, and Finance teams to resolve system issues and implement upgrades
• Ensure compliance with CBN regulations, AML/KYC policies, and internal controls
• Prepare and submit regulatory reports to CBN and relevant bodies
• Identify inefficiencies and support automation and process improvement
• Liaise with core banking vendors for system updates and support
• Support onboarding of new banking products and digital features
Requirements
• Minimum 5 years’ experience in core banking operations (MFB or similar institution)
• Hands-on experience with core banking systems (T24, Flexcube, Finacle, Rubikon, etc.)
• Strong knowledge of CBN regulations, NDIC guidelines, and Nigerian banking laws
• Experience in AML/CFT, KYC, and internal audit readiness
• Strong analytical, problem-solving, and reporting skills
• Bachelor’s degree in Banking & Finance, Accounting, Computer Science, or related field
• Professional certifications (CIBN, ACCA, etc.) are an advantage
Apply: hr@hcerconsulting.com (Subject: Application - Core Banking Officer)
CV should reflect core banking operations experience, banking systems administration, regulatory compliance, AML/KYC processes, and financial systems management. For CV revamping services, send us a DM on Whatsapp 2348145289661
100
Jun 6
IDEAL CV FORMAT GUIDELINE
1. Header (Contact Information)
Full Name
Location: City, State, Country
Email: Professional Email Address
Phone Number
LinkedIn Profile (if available)
2. Professional Summary (Elevator Pitch)
A 3-4 sentence summary highlighting years of experience, key skills, and measurable achievements.
3. Key Skills (ATS-Optimized & Categorized)
Example:
Customer Service & Support: Query Resolution, Complaint Handling, Retention Strategies
Software Proficiency: Banking Software (Finacle, Flexcube), CRM Systems, MS Office Suite
Administrative & Analytical Skills: Report Writing, Data Analysis, Documentation
4. Professional Experience (Reverse Chronological Order)
Job Title | Company Name | Location | Dates of Employment
Key Achievements:
• Use bullet points (4-5 per role)
• Highlight measurable achievements
• Incorporate industry-specific keywords
5. Education
Degree | Institution | Location | Year of Completion (or "In View" if ongoing)
6. Certifications & Training (If Applicable)
Customer Service Training
Banking & Financial Services Certifications
CRM & Banking Software Training
7. Additional Information (Optional)
Languages Spoken (if relevant)
Professional Membership
Why This Format Works:
✅ ATS-Friendly – Uses keywords & clear formatting
for easy parsing.
✅ Recruiter-Friendly – Highlights achievements &
skills upfront.
✅ Professional & Clean – Focuses on relevant
information without clutter.
Ready to Land Your Dream Job In 2025?
Whether you're a recent graduate, career changer, or just looking for a fresh start, having a standout CV is KEY to getting noticed by recruiters and hiring managers!
That's why OYK is excited to offer a LIMITED-TIME DISCOUNT on professional CV revamp services!
Here's what you'll get:
✅ A polished, ATS-friendly CV tailored to your industry
✅ Strong action verbs and quantifiable achievements to highlight your strengths
✅ Customized formatting to help you stand out
✅ Career advice and tips on improving your job search strategy
Why OYK is offering this discount?
- To make it easier for job seekers to get the help they need
- To help YOU achieve your career goals without breaking the bank!
This is a perfect opportunity to upgrade your CV and make your next job application shine. Don’t miss out—this offer will only last for this weekend!
Send a mail to cv@oyk.co.ke with Subject 'Revamp Discount'
Discount Offer reserved exclusively for only requests sent via official mail
1
2
605
May 24
While Nifty IT is down 26% in 2026 on AI disruption fears, a handful of Indian IT companies are actually BENEFITING from AI 🧵
The secret? Regulation vertical focus.
✅ Sagility India - Healthcare BPO, PAT 39% YoY, AI doing more per employee
✅ Newgen Software - BFSI/Govt low-code, gross margins up 477 bps on AI efficiency
✅ OFSS - Banking software, FLEXCUBE embedded in 100s of banks globally
✅ KPIT Tech - Automotive SDV, safety-critical code no LLM can replace
✅ Intellect Design - 100% BFSI, eMACH.ai composable banking
✅ Nucleus Software - RBI-compliant lending platform, 45 countries
Regulation is the moat. AI is the margin engine.
When HIPAA/Basel III/RBI compliance is embedded in the product, generic AI can't replace you — it only makes you more profitable.
Disclaimer: No Buy or sell recommendations, this is just for the educational purposes.
1
4
1,027
May 18
IDEAL CV FORMAT GUIDELINE
1. Header (Contact Information)
Full Name
Location: City, State, Country
Email: Professional Email Address
Phone Number
LinkedIn Profile (if available)
2. Professional Summary (Elevator Pitch)
A 3-4 sentence summary highlighting years of experience, key skills, and measurable achievements.
3. Key Skills (ATS-Optimized & Categorized)
Example:
Customer Service & Support: Query Resolution, Complaint Handling, Retention Strategies
Software Proficiency: Banking Software (Finacle, Flexcube), CRM Systems, MS Office Suite
Administrative & Analytical Skills: Report Writing, Data Analysis, Documentation
4. Professional Experience (Reverse Chronological Order)
Job Title | Company Name | Location | Dates of Employment
Key Achievements:
• Use bullet points (4-5 per role)
• Highlight measurable achievements
• Incorporate industry-specific keywords
5. Education
Degree | Institution | Location | Year of Completion (or "In View" if ongoing)
6. Certifications & Training (If Applicable)
Customer Service Training
Banking & Financial Services Certifications
CRM & Banking Software Training
7. Additional Information (Optional)
Languages Spoken (if relevant)
Professional Membership
Why This Format Works:
✅ ATS-Friendly – Uses keywords & clear formatting
for easy parsing.
✅ Recruiter-Friendly – Highlights achievements &
skills upfront.
✅ Professional & Clean – Focuses on relevant
information without clutter.
Ready to Land Your Dream Job In 2025?
Whether you're a recent graduate, career changer, or just looking for a fresh start, having a standout CV is KEY to getting noticed by recruiters and hiring managers!
That's why OYK is excited to offer a LIMITED-TIME DISCOUNT on professional CV revamp services!
Here's what you'll get:
✅ A polished, ATS-friendly CV tailored to your industry
✅ Strong action verbs and quantifiable achievements to highlight your strengths
✅ Customized formatting to help you stand out
✅ Career advice and tips on improving your job search strategy
Why OYK is offering this discount?
- To make it easier for job seekers to get the help they need
- To help YOU achieve your career goals without breaking the bank!
This is a perfect opportunity to upgrade your CV and make your next job application shine. Don’t miss out—this offer will only last for this weekend!
Send a mail to cv@oyk.co.ke with Subject 'Revamp Discount'
Discount Offer reserved exclusively for only requests sent via official mail
2
525
Your core can be wrong. Your firewall can be wrong.
Your AML system should not be the third thing that's wrong.
#Cybersecurity #AMLCFT #NigerianFintech #CISO #RegTech #Finacle #FLEXCUBE #SonicWall #Fortinet #PaloAlto #PatchManagement
2
62
Why are Nigerian banks all migrating to Finacle and Flexcube at the same time?
Their old systems..,Basis, Phoenix, T24 were built for a different era of banking. Lower transaction volumes. Mostly branch-based. Limited real-time requirements.
Nigeria’s digital payment infrastructure has outgrown them.
GTBank went directly to Infosys in India to negotiate a Finacle deal with no vendor middleman. Zenith and Access moved to Oracle’s Flexcube.
Nigeria’s biggest banks are expected to spend at least ₦82 billion collectively on core banking software as part of this transition.
Two platforms. Most of the country’s banking infrastructure. If either has a critical vulnerability, the blast radius is the entire Nigerian financial system.
That’s the trade-off nobody talks about when celebrating the modernization.
4
8
39
4,565
May 12
If you worked in any of the banks in Nigeria using Oracle flexcube, you'd have to learn oracle PLSQL. Writing functions and procedures would become very normal, you'd just have to call them from your code. Interesting times ☺️
May 12
I once worked with a senior backend engineer who believed that the strongest backend systems were the ones where logic is written more on the database layer than on the code layer.
The normal if-else statement you would write to check a users balance, bro writes all that logic directly on the DB, there were triggers, database functions etc.
Bro was literally coding with SQL. At that point I didn’t know SQL could even do all that.
Bro would review my code then and ask me why was I writing all that logic in code when it could reside directly on the db😂.
This was way before AI and bro would prefer to write every single thing by hand rather than install a package, he felt they were not secure.
Bro uses a framework just to repurpose it and customize everything!
At The point working with bro, he was almost 40.
Man! I’ve worked with cracked devs, and I’m grateful for every experience that has shaped me.
1
2
2
298
May 6
IDEAL CV FORMAT GUIDELINE
1. Header (Contact Information)
Full Name
Location: City, State, Country
Email: Professional Email Address
Phone Number
LinkedIn Profile (if available)
2. Professional Summary (Elevator Pitch)
A 3-4 sentence summary highlighting years of experience, key skills, and measurable achievements.
3. Key Skills (ATS-Optimized & Categorized)
Example:
Customer Service & Support: Query Resolution, Complaint Handling, Retention Strategies
Software Proficiency: Banking Software (Finacle, Flexcube), CRM Systems, MS Office Suite
Administrative & Analytical Skills: Report Writing, Data Analysis, Documentation
4. Professional Experience (Reverse Chronological Order)
Job Title | Company Name | Location | Dates of Employment
Key Achievements:
• Use bullet points (4-5 per role)
• Highlight measurable achievements
• Incorporate industry-specific keywords
5. Education
Degree | Institution | Location | Year of Completion (or "In View" if ongoing)
6. Certifications & Training (If Applicable)
Customer Service Training
Banking & Financial Services Certifications
CRM & Banking Software Training
7. Additional Information (Optional)
Languages Spoken (if relevant)
Professional Membership
Why This Format Works:
✅ ATS-Friendly – Uses keywords & clear formatting
for easy parsing.
✅ Recruiter-Friendly – Highlights achievements &
skills upfront.
✅ Professional & Clean – Focuses on relevant
information without clutter.
Ready to Land Your Dream Job In 2025?
Whether you're a recent graduate, career changer, or just looking for a fresh start, having a standout CV is KEY to getting noticed by recruiters and hiring managers!
That's why OYK is excited to offer a LIMITED-TIME DISCOUNT on professional CV revamp services!
Here's what you'll get:
✅ A polished, ATS-friendly CV tailored to your industry
✅ Strong action verbs and quantifiable achievements to highlight your strengths
✅ Customized formatting to help you stand out
✅ Career advice and tips on improving your job search strategy
Why OYK is offering this discount?
- To make it easier for job seekers to get the help they need
- To help YOU achieve your career goals without breaking the bank!
This is a perfect opportunity to upgrade your CV and make your next job application shine. Don’t miss out—this offer will only last for this weekend!
Send a mail to cv@oyk.co.ke with Subject 'Revamp Discount'
Discount Offer reserved exclusively for only requests sent via official mail
1
1
11
2,953
In today’s Global space, credit scores are seen as show of worth or financial support. We would be looking at France 🇫🇷 and USA 🇺🇸 as an example.
Either ways we would be looking at how Credit Reporting and Monitoring works as a part of Credit 360 model in softwares like Flexcube or Finacle
2
45
Apr 23
Every Nigerian bank runs on a Core Banking System.
The biggest ones in Nigeria:
Finacle (used by GTBank, Access).
T24 (used by several others).
Flexcube (used by some).
These systems are the actual source of truth for your money.
They're large.
Slow to query directly.
Expensive to access.
Running on infrastructure sometimes dating back to the 1990s.
If every balance check went directly to the core banking system the app would take 10-15 seconds to load.
It doesn't.
Because of caching.
1
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153
Nigerian banks were built on a generation of software called core banking systems
These systems...names like Finacle, Flexcube, T24 and the rest were designed in the 80s and 90s
They were built for a world of branch banking, paper records, and business-hours transactions
1
2
9
2,508
Apr 21
IDEAL CV FORMAT GUIDELINE
1. Header (Contact Information)
Full Name
Location: City, State, Country
Email: Professional Email Address
Phone Number
LinkedIn Profile (if available)
2. Professional Summary (Elevator Pitch)
A 3-4 sentence summary highlighting years of experience, key skills, and measurable achievements.
3. Key Skills (ATS-Optimized & Categorized)
Example:
Customer Service & Support: Query Resolution, Complaint Handling, Retention Strategies
Software Proficiency: Banking Software (Finacle, Flexcube), CRM Systems, MS Office Suite
Administrative & Analytical Skills: Report Writing, Data Analysis, Documentation
4. Professional Experience (Reverse Chronological Order)
Job Title | Company Name | Location | Dates of Employment
Key Achievements:
• Use bullet points (4-5 per role)
• Highlight measurable achievements
• Incorporate industry-specific keywords
5. Education
Degree | Institution | Location | Year of Completion (or "In View" if ongoing)
6. Certifications & Training (If Applicable)
Customer Service Training
Banking & Financial Services Certifications
CRM & Banking Software Training
7. Additional Information (Optional)
Languages Spoken (if relevant)
Professional Membership
Why This Format Works:
✅ ATS-Friendly – Uses keywords & clear formatting
for easy parsing.
✅ Recruiter-Friendly – Highlights achievements &
skills upfront.
✅ Professional & Clean – Focuses on relevant
information without clutter.
Ready to Land Your Dream Job In 2025?
Whether you're a recent graduate, career changer, or just looking for a fresh start, having a standout CV is KEY to getting noticed by recruiters and hiring managers!
That's why OYK is excited to offer a LIMITED-TIME DISCOUNT on professional CV revamp services!
Here's what you'll get:
✅ A polished, ATS-friendly CV tailored to your industry
✅ Strong action verbs and quantifiable achievements to highlight your strengths
✅ Customized formatting to help you stand out
✅ Career advice and tips on improving your job search strategy
Why OYK is offering this discount?
- To make it easier for job seekers to get the help they need
- To help YOU achieve your career goals without breaking the bank!
This is a perfect opportunity to upgrade your CV and make your next job application shine. Don’t miss out—this offer will only last for this weekend!
Send a mail to cv@oyk.co.ke with Subject 'Revamp Discount'
Discount Offer reserved exclusively for only requests sent via official mail
1
1
860
Programming languages that built the biggest Banking enterprise applications in the world
Temenos T24 - Java, C
Finacle - Java, C
Bank One - Java C
FIS - Java
Oracle Flexcube - Java
TCS - Java
Fiserve - Java
Mambu - Java
I did not see Javascript here ooo
Programming Languages That Built Operating Systems
• 🪟 Windows — C, C , Assembly
• 🍎 macOS — C, C , Objective-C, Swift
• 📱 iOS — C, C , Objective-C, Swift
• 🤖 Android — Java, Kotlin, C
• 🐧 Linux — C, Assembly
• 🌐 Chrome OS — C , JavaScript, Linux kernel (C)
• 🎮 PlayStation System Software — C, C
• 🎮 Xbox System Software — C , C#, low-level C
• 📟 FreeBSD — C, Assembly
• ⚙️ ReactOS — C, C
3
15
58
8,063
Apr 20
Every day we're going to tear down a major Indian listed company and map the AI risk/opportunity around it - products, competitive shifts, key concall quotes.
Day 8 : Oracle Financial Services Software Ltd ( OFSS )
Peak share price: ₹12,647 (Dec 2024)
Current share price: ₹8,138 (-35.7%)
EV today: ₹63,889 crore
Revenue: ₹1,966 crore (Q3 FY26) / ₹6,847 crore (FY25) ( 14.6% YoY)
Operating Margin: 40.5%
EV/Sales: 9.33x
Headcount: 9,215 ( 3.91% YoY)
What OFSS does:
OFSS is a global leader in financial technology powering retail banking, corporate banking, and risk management for institutions across 140 countries. The business is 90% Products - legacy Flexcube and modern Oracle Banking suites, with the remaining 10% in Finergy consulting and BPO services. Its analytical applications suite OFSAA handles regulatory compliance and fraud detection, spanning the full banking value chain from transaction processing to credit decisioning.
Parentage by Oracle Corporation provides infrastructure access and global distribution that no domestic peer can replicate at the same depth.
AI bear case:
The structural threat is architectural obsolescence - GenAI lowers the barrier for banks to build custom core components or adopt microservices that bypass monolithic legacy platforms entirely. Management has acknowledged demand challenges driven by shifting technology trends forcing banks to modernize rapidly. If AI-native competitors deliver faster "time-to-yes" in lending or more efficient fraud detection without the overhead of the Oracle ecosystem, the high-margin license renewal base is directly at risk.
Regulatory escalation on cloud security and AI-driven decisioning adds compliance cost to legacy-heavy environments. The deeper risk: componentized microservices architecture lets banks pair core solutions with specialized third-party fintech, eroding the lock-in that currently protects OFSS pricing power.
AI bull case:
OFSS is embedding AI and machine learning directly into core domain solutions - not as siloed add-ons — creating a productivity multiplier for its existing client base. The Analytical Applications Infrastructure deploys Agentic AI to automate complex investigative processes in financial crime and customer service.
Remaining Performance Obligations hit ₹7,107 crore in Q3 FY26, a 12% sequential increase from September 2025 and up from ₹4,154 crore in March 2025 - the pipeline of cloud-native transitions is building faster than the income statement currently reflects.
License and Cloud revenues grew 13% in FY25. The shift to cloud-native SaaS captures a larger share of client IT spend over time. Alexa-powered voice banking and AI-driven anomaly detection position the software as an intelligent front-end for modern digital banks, not just a back-office ledger.
AI traction:
Oracle Financial Services Investigation Hub Cloud Service had 21 live customers as of Q1 FY26. Oracle Banking Retail Lending Servicing and Oracle Banking Collections Cloud Service launched with AI-powered capabilities. Graph analytics deployed for financial crime investigation. IoT integration for usage-based lease pricing.
No explicit AI revenue segment breakout in filings - management's traction disclosures remain product-feature oriented rather than revenue-attributed. The RPO trajectory is the most reliable proxy for AI-led deal momentum currently available in filed numbers.
Competitive landscape:
TCS BaNCS maintains 450 worldwide installations with the scale of a 580,000-person delivery organization behind every implementation. At 28.63x P/E versus TCS at 17.85x and Infosys at 18.51x, OFSS commands a significant valuation premium - justified today by its 40% operating margins, but vulnerable if the SaaS transition structurally compresses that margin band.
Agile fintech startups targeting niche areas of the banking value chain represent a different class of threat - not replacing the core, but making the core less sticky by offering best-of-breed alternatives at the edges where OFSS currently cross-sells.
Management quotes:
"Today, AI has moved far beyond that, and you hear about Agentic AI, which is basically a machine agent helping solve customer service and support... directly embedding the AI and the advanced analytics within the core domain solutions that operate on the internal proprietary data, and that's where our differentiation comes." - Q1 FY26 Concall
"We strive to be ahead of the curve and invest in technology and solutions that make sense that can be digested by our customers, and for which customers will pay for them. That last thing is very important." - Q1 FY26 Concall
"From generative AI, we are moving to Agentic AI and beyond. These innovations are also reshaping financial services from hyper-personalised customer experiences to AI-driven risk modelling, intelligent fraud detection systems, and automated advisory and credit decisioning platforms." - Q1 FY26 Concall
Commentary:
OFSS is a high-quality incumbent with a genuine moat - 140 countries, 40% operating margins, Oracle parentage, and an RPO that nearly doubled in nine months. AI is a net tailwind over a 3-year horizon because embedding Agentic AI into mission-critical banking infrastructure is exactly the kind of high-stakes, compliance-heavy work where banks will not switch vendors lightly.
The unresolved question is the terminal margin profile: operating margins have already compressed from 44% in FY25 to 40.5% in Q3 FY26 as the mix shifts from high-margin legacy licenses to subscription SaaS.
At 28.63x P/E and 9.33x EV/Sales, the market is pricing a clean transition - any evidence of RPO conversion bottlenecks or further margin compression will reprice this quickly. In the next two concalls, watch DSO and quarterly RPO conversion rate. Those two numbers reveal whether the cloud transition is accelerating or whether implementation pipelines are building faster than they are being executed.
Analysis by CompoundingAI
Source : BSE filings & earnings transcripts.
Note : This is not an investment advise.
Apr 19
Every day we're going to tear down a major Indian listed company and map the AI risk/opportunity around it - products, competitive shifts, key concall quotes.
Day 7 : Persistent Systems Ltd ( PERSISTENT )
Peak share price: ₹6,250 (Dec 2025)
Current share price: ₹5,446.5 (-12.9%)
EV today: ₹83,969 crore
Revenue: ₹3,778 crore (Q3 FY26) / ₹11,939 crore (FY25)
EBITDA Margin: 17.0%
EV/Sales: 6.02x
Headcount: 26,711 ( 11.57% YoY)
What Persistent does:
Persistent Systems operates as an AI-led, platform-driven digital engineering and enterprise modernization partner specializing in Software Product Engineering - helping global technology firms build and maintain core products while driving digital transformation in BFSI and Healthcare and Life Sciences. It acts as an "Ecosystem Orchestrator" across AWS, Microsoft, and Google Cloud, differentiating itself through deep SDLC domain expertise and proprietary AI IP.
This positioning allows it to transition from traditional outsourcing to a strategic partner capturing value through platforms like SASVA and iAURA - a play most mid-tier Indian IT firms have not credibly executed.
AI bear case:
The disruption mechanism is direct and already quantified by management: Copilot, Cursor, and Windsurf deliver 20%-25% productivity gains in the coding phase of the SDLC. If Persistent cannot transition its revenue model to outcome-based or platform-linked pricing, these gains flow entirely to clients as cost savings - compressing margins and shrinking the traditional application maintenance revenue base.
The deeper structural risk is hyperscaler encroachment: if AWS or Microsoft integrate advanced orchestration and autonomous agent capabilities natively into their cloud offerings, the differentiation that SASVA and iAURA currently provide gets commoditized from above. At 47.77x P/E, there is no valuation cushion if that scenario accelerates.
AI bull case:
Persistent is building a moat through "Breaking Linearity" - decoupling revenue growth from headcount by deploying SASVA across the full SDLC from requirement gathering to maintenance. The patent count is the clearest signal of genuine technical depth: 105 patents filed in AI infrastructure, orchestration, and autonomous agents, up from 35 in early FY25.
In Healthcare and Life Sciences, the GenMoIVS solution with NVIDIA reduces drug discovery experimental cycles from months to days : a vertical-specific application that no generalist IT firm can replicate without years of domain investment. A DigitalOcean collaboration reduces AI infrastructure costs by over 50% for SASVA clients, creating a pricing advantage in the SME segment. 60%-70% reverse engineering of business logic using internal AI engines opens modernization spend that was previously inaccessible.
AI traction:
105 patents spanning AI orchestration and autonomous agents - disclosed, filed, not aspirational. Pi-OmniKG launched with Google Cloud for biomedical research acceleration. GenMoIVS launched with NVIDIA for molecular screening. Multi-year enterprise-wide SASVA adoption secured with a large SaaS provider.
A three-week POC converted into a multi-year contract with a large European bank. 22 consecutive quarters of sequential revenue growth, with TTM revenue crossing $1.5 billion and annualized run rate above $1.6 billion. Revenue per employee remains flat - confirming the company is still in the heavy investment phase where R&D costs precede margin expansion.
Competitive landscape:
LTIMindtree trades at 27.99x P/E and 17.29x EV/EBITDA versus Persistent's 47.77x and 30.65x respectively - a 70% valuation premium that must be justified by sustained 23% revenue growth and eventual margin expansion beyond the current 16%-17% band.
KPIT Technologies at 26.94x P/E and 32.5% ROE offers a comparable engineering-depth story at a meaningfully lower multiple.
The competitive threat is not just from Indian peers - it is from the hyperscalers themselves integrating the orchestration layer Persistent currently monetizes.
Management quotes:
"The intent is to break the linear correlation between revenue and headcount through productivity gains from better technology, which will mature over time." - Sandeep Kalra, Q3 FY26 Concall
"All these tools are very good, but they solve for a sliver of the entire software development lifecycle. And that leaves a lot of scope for people like us to develop our platforms." - Sandeep Kalra, Q3 FY26 Concall
"This is the 22nd sequential quarter of growth, pushing TTM revenue above $1.5 billion and annualized run rate over $1.6 billion." - Management, Q2 FY26 Concall
Commentary:
Persistent is the ultimate "show me" story in Indian IT on AI monetization - technically credible, operationally consistent, but not yet margin-expansive enough to justify a 47.77x P/E on its own fundamentals.
The 105 patent count and 22 consecutive quarters of growth are real. The flat revenue per employee confirms we are still in the investment phase. AI is a net tailwind over a 3-year horizon because Persistent is capturing "Data Readiness" spend - mandatory infrastructure that every enterprise must build before any GenAI deployment can scale.
The unresolved question is whether the $2 billion FY27 revenue aspiration can be hit without margin-dilutive acquisitions. In the next two concalls, watch revenue per employee and POC-to-multi-year ACV conversion rate - those two metrics will tell you whether SASVA is scaling as a platform or remaining a services delivery tool with a platform label.
Analysis by CompoundingAI
Source - BSE filings and earnings transcripts.
Note : This is not an investment advise.
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