Synopsis: Small-Cap stock jumps 5% upon securing an order from a public sector bank to deploy its AI-powered Risk Intelligence and Decision Platform (RIDP), automating merchant risk management, fraud detection, compliance, and regulatory checks across channels.
The shares of the Small-Cap company specialising in providing digital banking and UPI-focused payment technology solutions for banks, fintechs, and merchants, are in focus upon securing an order from a public sector bank to deploy its AI-powered Risk Intelligence and Decision Platform (RIDP).
With a market capitalization of Rs. 2,430.00 Crores on the Day’s Trade, the shares of Network People Services Technologies Ltd jumped upto 5.1 percent, reaching a high of Rs. 1283.70 compared to its day’s low of Rs. 1220.65.
What Happened
Network People Services Technologies Limited (NPST), a digital banking and payments technology company, has won an order from a public sector bank to deploy its AI-powered Risk Intelligence and Decision Platform (RIDP) for merchant underwriting and monitoring. The platform, offered as a fully managed SaaS solution, supports the entire merchant lifecycle and generates recurring revenue by combining technology, operations, regulatory updates, and ongoing support.
NPST’s RIDP automates merchant risk management across online and POS channels. It conducts scheduled website crawls to detect prohibited content, payment scheme violations, MCC mismatches, signs of fraud, and restricted product or service categories. Significant changes in a merchant’s business automatically trigger re-underwriting to maintain ongoing compliance.
The platform’s risk scoring uses identity, behavioural, and website risk signals, while linkage detection identifies duplicate or re-entering merchants without exposing raw Personally Identifiable Information (PII). Mandatory regulatory checks, including KYC and KYB, are automated using GST, PAN, and CIN verification.
Merchant fraud often develops after onboarding, and static checks fail to catch evolving threats. Banks now want preventive controls and continuous visibility into every merchant, not just on day one,” said Deepak Chand Thakur, Co-founder and CEO of NPST. The platform also maintains immutable audit trails and is built to align with RBI guidelines and emerging payment industry risk use cases.
Why It Matters
It matters because NPST’s AI platform enables the bank to detect and prevent fraud proactively, rather than reacting after incidents occur. By providing continuous monitoring, automated compliance checks, and real-time risk scoring across all merchants, the system helps safeguard payments, reduce losses, and ensure regulatory adherence. This shift toward smarter, AI-driven risk management strengthens trust, improves operational efficiency, and positions the bank ahead in the evolving digital payments landscape.
Financials & Others
The company’s revenue rose by 148 percent from Rs. 21 crores in December 2024 to Rs. 53 crores in December 2025. Meanwhile, Net profit rose from Rs. 5 crore to Rs. 12 crores in the same period.
The company has demonstrated exceptional profitability and growth, with a five-year profit CAGR of 113%. Its returns are strong, reflected in a 3-year average ROE of 52.7% and a ROCE of 69.2%, indicating efficient use of capital to generate earnings.
Financial stability is also evident, with a very low debt-to-equity ratio of 0.02 and a PEG ratio of 0.36, suggesting the company’s growth is attractively valued relative to its earnings potential. Overall, these metrics highlight a high-performing, financially sound business with robust growth prospects.
NPST is an India-based payments technology company founded in 2013. It operates as a Technology Service Provider (TSP), a Payment Platform-as-a-Service (PPaaS) provider, and an AI-Powered RegTech solution, serving banks, fintechs, regulators, and payment aggregators across the financial value chain.
The firm focuses on digital payment and banking technology solutions, working with banks, payment aggregators, and merchants to modernise payment systems and support cashless transactions.
The company develops and offers a range of products and services, including UPI payment platforms, immediate payment solutions, mobile banking applications, API‑based credit and digital wallet services, fraud detection tools, and other payment‑related software infrastructure. Its technology helps facilitate seamless online payments, digital engagement, and secure financial transactions across various digital channels in India’s rapidly evolving fintech ecosystem.
Disclaimer: The views and investment tips expressed by investment experts/broking houses/rating agencies on tradebrains.in are their own, and not that of the website or its management. Investing in equities poses a risk of financial losses. Investors must therefore exercise due caution while investing or trading in stocks. Trade Brains Technologies Private Limited or the author are not liable for any losses caused as a result of the decision based on this article. Please consult your investment advisor before investing.
The post IT Stock Jumps 5% After Receiving Order from a PSB to Deploy Its AI appeared first on Trade Brains.