Move towards happy life

Intelligence for the systems that run economies.

SAKUN is an AI company for banking, payments and public policy. We build the models, simulations and decision tools that institutions use to understand how citizens and businesses behave. We help AI companies everywhere build their own team in India. And we put part of what we build to work on food, farming and wellness.

Banking · Payments · Sovereign Micro GCC 5 → 50 engineers Research for people & planet
Economy simulatorT+000 · 2,400 agents
Household spend100.0
Bank credit100.0
Digital payments100.0
Illustrative only. Index, baseline = 100.
Industry AI

Three industries where a wrong decision costs the most.

We work where data is large, regulation is strict and decisions affect millions of people. We take every engagement from a first model through to production, and we build it so a regulator or auditor can follow every step.

01 · BFSI

Banking

Credit, risk and customer intelligence for banks, NBFCs and lenders.

  • Credit scoring & underwriting, including thin-file borrowers
  • Early-warning signals and collections strategy
  • AML and transaction monitoring with fewer false alerts
  • Customer lifetime value, churn and next-best-offer
  • GenAI assistants for operations, compliance and service desks
  • Model validation, monitoring and model-risk documentation
For banks · NBFCs · fintech lenders · insurers
02 · PAYMENTS

Payments

Intelligence for real-time payment rails, processors and merchants.

  • Real-time fraud scoring in milliseconds
  • Merchant risk, onboarding and chargeback prediction
  • Transaction routing and success-rate optimisation
  • Automated reconciliation and dispute handling
  • Cross-border and remittance flow analytics
  • Payment-behaviour insights for product and pricing
For networks · PSPs · gateways · wallets
03 · SOVEREIGN

Sovereign decisions

Decision tools for central banks, ministries and public agencies.

  • Macro-econometric models and forecasting
  • Nowcasting GDP, inflation and employment from high-frequency data
  • Agent-based simulation of citizens, firms and markets
  • Policy sandboxes for tax, subsidy, rate and transfer decisions
  • Welfare targeting and leakage analytics for public schemes
  • Fiscal and financial-stability risk dashboards
For central banks · finance ministries · regulators · states
The SAKUN Decision Lab

Test a policy on a model before it reaches people.

Every economy is made of millions of individual decisions. We model how citizens and businesses actually respond to prices, rates, taxes and transfers, so leaders can see the likely range of outcomes before they act.

STEP 1

Observe

Bring together survey, administrative, transaction and satellite data under strict privacy controls.

Micro-dataPaymentsGeospatial
STEP 2

Model behaviour

Estimate how each household and firm type spends, saves, borrows and responds to change.

Panel econometricsDiscrete choiceML
STEP 3

Simulate

Run each scenario across a synthetic population and thousands of possible futures.

Agent-basedVAR / DSGEMonte Carlo
STEP 4

Decide

Compare outcomes by region, income group and sector, with every assumption visible.

Distributional impactExplainable
Our view

A forecast tells you what may happen. A simulation tells you what happens if you act, and to whom.

Micro GCC · for AI companies worldwide

Your own AI team in India, starting with five people.

Global Capability Centres used to be for large enterprises. We make the model work for startups and growing AI companies. You get dedicated engineers who work only on your product, at India cost, without setting up a company, payroll or office on day one.

Team size

    You lead the work. We run everything in India.

    Your team uses your tools, your repositories and your sprint rhythm. SAKUN handles everything needed to employ and support them locally.

    TALENTSourcing, technical vetting and hiring
    EMPLOYMENTPayroll, benefits, tax and labour compliance
    WORKPLACEOffice, devices, network and security
    PEOPLEHR, retention, learning and growth
    GOVERNANCEIP assignment, data protection and NDAs
    OWNERSHIPOption to transfer the team to your own entity
    AI-native startups

    Ship faster with a production pod for LLM apps, agents, evaluation and MLOps.

    SaaS companies adding AI

    Add AI capability without disturbing your core engineering team.

    Enterprises testing India

    Prove the model with a small team before committing to a full centre.

    01

    Build

    Weeks 1–6

    Agree the first 90-day goal with your CTO. We hire, equip and onboard the team.

    02

    Operate

    Month 2 onward

    The team works in your workflow. We manage the India side every day.

    03

    Scale

    As you grow

    Add people and skills as your roadmap expands, from 5 up to 50.

    04

    Transfer

    Optional

    When the time is right, move the team into your own India entity.

    How a Micro GCC compares

    Hire at homeOutsource projectsBuild your own GCCSAKUN Micro GCC
    Starting sizeOne hire at a timeFlexibleUsually 50+5 people
    Cost levelHighestMedium, with vendor marginLow, after heavy setup costIndia cost from day one
    Team dedicated to youYesOften sharedYesYes
    Setup effort for youMediumLowHigh: entity, office, HRLow
    Time to first sprintMonthsWeeks6–12 monthsAbout 6 weeks
    IP and product knowledgeStays with youPartly with vendorStays with youStays with you
    Path to ownershipn/aNoneOwned from startOptional transfer

    Move towards happy life

    Tech for Good · our give-back

    Research for mankind.

    The same methods that help a bank or a ministry decide better can help a farmer, a family or a clinic. We set aside people, time and computing for open research in three areas that decide how well people live. We do this work because it should exist, not because someone is paying for it.

    Track A

    AI in farming

    Practical tools for smallholder farmers, who grow much of the world's food with the least support.

    • Crop health and pest detection from phone photos
    • Field-level weather, soil and irrigation advice
    • Yield forecasting and fair-price market signals
    • Advisories in local languages, by voice

    Better decisions at the very start of the food chain.

    Track B

    Food & nutrition

    Understanding what people eat, what it costs them, and how to make good food easier to choose.

    • Nutrition analysis of everyday regional diets
    • Food price and affordability tracking
    • Supply-chain loss and waste reduction
    • Evidence for school-meal and nutrition programmes

    Good food should be the easy choice.

    Track C

    Wellness

    Prevention-first tools that help people stay well, with privacy built in from the start.

    • Early risk signals for lifestyle diseases
    • Sleep, stress and activity insights
    • Health literacy assistants in plain language
    • Data tools for community health workers

    Staying well matters more than getting well.

    We share what we learn: open datasets, models and findings, wherever privacy allows.

    We work with universities, NGOs, farmer producer organisations and public bodies. If you are working on food, farming or wellness and need AI or data science support, we would like to hear from you.

    Propose a research partnership
    How we work

    Built for institutions that are accountable to the public.

    Banks, payment networks and governments cannot rely on a black box. Four rules apply to everything we build.

    Explainable

    Every model output can be traced to its data and assumptions, in language a board or a regulator understands.

    Sovereign data

    Your data stays in your cloud, your data centre or your country. We deploy where you need us to.

    Domain first

    Economists, risk specialists and engineers work as one team, so the model answers the real question.

    Audit ready

    Validation, monitoring and documentation are part of the delivery, not an afterthought.

    Contact

    Tell us what you need to decide, or build.

    An AI programme for your bank or payment network, a policy model for your ministry, your first five engineers in India, or a research partnership. Every engagement starts with a conversation.

    Email
    Registered officeSakun Lifestyle Private Limited · Pune, India
    We work withClients in India, the UK, Europe, the Middle East, North America and Asia-Pacific