I build the tech that powers India's next-gen financial services.
Founder, Laraware Pvt. Ltd. — the company behind Nxtbanking™, India's first fully AI-native fintech stack. From a small room in Ayodhya to Forbes India.
I didn't start in a fancy office in Bangalore or a co-working space in Gurgaon. I started in Ayodhya — a small town most people only know from textbooks. No investors. No connections. No safety net. Just a laptop, an internet connection, and an unreasonable belief that someone from a Tier-3 city could build something the entire country's banking infrastructure would run on.
That was 2018. Since then, I've shipped over 5,000 software solutions — mostly for banks, financial institutions, and education companies that needed systems built right the first time. Not pretty demos. Working products.
In 2023, I registered Laraware Pvt. Ltd. and went all-in on what I'd been obsessing over for years: building an AI-first fintech stack that's 100% Indian, 100% production-ready, and designed for the India that exists outside metro cities — the one where a retailer in Jaunpur needs the same calibre of financial tools that a bank in Mumbai has access to.
That obsession became Nxtbanking™ — 50+ pre-integrated APIs, an 8-layer AI compliance engine, white-label portals, and a deployment model that turns months of setup into hours. Forbes India noticed. Then Economic Times. Then Times of India, Aaj Tak, and a dozen other publications I'd only ever read as a student.
I hold degrees in BCA, MCA, M.Tech, and a PhD — but if I'm honest, the most important education happened at 2 AM debugging payment callbacks that refused to work. That's where you learn what "production-ready" actually means.
I don't chase headlines. I build systems. The headlines just started showing up on their own.
I never hired a PR agency. I never pitched a journalist. Every one of these stories happened because someone in a newsroom looked at what we were building and decided it was worth covering. That matters more to me than any paid feature ever could.
"Named in India's Top AI-Led Fintech Innovators. First person from Uttar Pradesh to make this list."
"Dr. Anvesh Tiwari — a computer scientist and CTO who builds AI-powered platforms across fintech and e-commerce, including India's first virtual trial-based e-commerce platform."
"Laraware has launched India's first fully AI-powered fintech software platform — one that's set to change how digital financial services get built and deployed across the country."
"From the heart of Uttar Pradesh's Ayodhya region, software innovator Anvesh Tiwari is earning national recognition for his work where artificial intelligence meets financial services."
"For the first time, someone from Uttar Pradesh has been featured in Forbes India's list of India's Top AI-Led Fintech Innovators."
"The soft glow of a laptop screen illuminated a small room in Ayodhya, where a young software engineer was about to change the trajectory of financial technology in India."
"Forbes-Featured Technological Innovator Anvesh Tiwari leads AI-based virtual shopping with the FashionKart.ai launch."
"Ayodhya's Pirkhali village celebrates as Anvesh makes national headlines — the village-to-Forbes story."
"Referenced in context of AI-driven retail transformation — EY NASSCOM report on India's ₹32 lakh crore market."
I don't build apps for demo day. Everything here is running in production, processing real money, serving real users — right now.
India's first end-to-end AI-native fintech stack. Not another API wrapper or a reskinned dashboard — this is a full stack built from the ground up.
Banks, NBFCs, fintech aggregators, and startups use Nxtbanking™ to launch digital financial services without spending months on integration. 50+ pre-integrated APIs covering AEPS, BBPS, DMT, payout, virtual accounts, Micro ATM, Aadhaar Pay, UPI collection, and recharge — all battle-tested in production.
Under the hood: an 8-layer AI compliance engine handling real-time Aadhaar, PAN, GSTIN verification; AI-based OCR; facial matching with liveness detection; geo-tagging; real-time fraud scoring; and watchlist screening.
India's first AI-powered virtual trial room e-commerce platform. Solving the biggest pain point of online fashion shopping — "Will it look good on me?" Now your customers can see before they buy.
AI-powered e-commerce SaaS platform — smart product recommendations, automated inventory management, and conversion optimization baked in.
NxtFilings handles compliance and regulatory filing workflows. NxtVidya is our education technology platform. Both built on the same Laravel + AI architecture.
I'm not a "tech stack tourist" who picks up frameworks for Twitter clout. These are the tools I ship production software with — day in, day out.
No startup accelerator. No family business to fall back on. Just a clear line from there to here — drawn one shipped product at a time.
Started freelancing from Ayodhya. One laptop, zero clients, and an obsession with building financial software that actually works. Took every project I could find — banks, schools, local businesses. Said yes to everything and figured it out.
Built over 4,000 web applications. Mostly for financial institutions and educational companies across India. No glamour, no press, no social media presence. Just code, clients, and deadlines. This is where I learned what breaks at scale — and more importantly, what doesn't.
Registered Laraware Private Limited. Stopped being a freelancer, started being a company. Began architecting the AI-powered fintech stack I'd been thinking about for three years.
Launched Nxtbanking™ and FashionKart.ai. December — Firstindia publishes "Bytes of Brilliance," the first national story about what we were building. The phone started ringing.
Forbes India features me in their Top AI-Led Fintech Innovators list. First person from Uttar Pradesh to be on it. Within weeks — Economic Times, Times of India, Aaj Tak, Zee News, Dainik Jagran, ABP News, and Hindustan Times all run stories. The kid from Pirkhali village is in every newsroom in the country.
Forbes.com features me globally. DNA India covers FashionKart.ai. ET Now references our work in their coverage of India's AI-driven retail transformation. The story is just getting started.
India has thousands of fintech apps. Most of them are skins on top of the same three or four APIs, built by teams that have never seen a failed transaction in production. That's not fintech — that's frontend.
I wanted to build something different. A system that thinks. One that catches fraud before it happens, onboards a user in 90 seconds flat, and gives a retailer in rural UP the same financial infrastructure that a bank in South Mumbai operates on.
Nxtbanking™ is that system. It's fully Indian — no foreign dependency, no white-labeled foreign code pretending to be local. Every line is written here, tested here, deployed here. Because India's financial future shouldn't depend on someone else's infrastructure.
"We're not solving today's fintech problems. We're building the architecture for India's economy in 2030."
"The biggest misconception is that an app is a product. It's not. An app is a distribution layer for expertise."— Anvesh Tiwari, Forbes.com
"Fintech needs more than code. It needs cognition."— Anvesh Tiwari, Economic Times
"The system won't ask for input from the user. It will only ask for approval."— Core product philosophy, Laraware
Whether you're a bank looking to go digital, a startup that needs a fintech stack that won't fall apart at scale, or a government body working on financial inclusion — I'm always up for a conversation with people who are serious about building.
No sales pitch. No deck. Just a real conversation about what you need and whether I can help.