Samika Design Solutions

About Us

Incubyte is an AI-first software development agency built on the principles of software craftsmanship—where how we build is just as important as what we build. We partner with organizations across stages, from enterprises looking to scale and modernize to early-stage founders bringing new ideas to life.

At Incubyte, AI is deeply integrated across the software development lifecycle to drive speed, efficiency, and smarter outcomes. Guided by Software Craftsmanship values and Extreme Programming practices, we combine high velocity with disciplined engineering to deliver reliable, high-impact solutions.

We don’t just build software—we incubate dedicated engineering teams. From designing systems to shaping team structures and organizational strategy, we enable our clients to launch and scale products that are relevant today and resilient for the future.

Whether you’re scaling an existing product, building from scratch, or optimizing manual processes, we help you move faster with confidence:

• Scale and modernize your product
• Launch quickly and iterate continuously
• Automate processes for non-linear growth
• Build systems that are stable, predictable, and measurable

Our approach is rooted in ownership. As a DevOps-driven organization, our engineers take responsibility for the entire lifecycle—from development to release—ensuring quality at every step.

Founded by product professionals, we bring a strong product mindset into services. We’re driven by curiosity, continuous learning, and a passion for building great software the right way.

We’re always looking for people who care deeply about code, craftsmanship, and growth. Join us if you’re excited to build, learn, and make an impact.

Credilio is founded with the idea of digitizing the distribution value chain of personal finance products. The mission of Credilio is to create a nationwide army of multi-branded trained advisors who can assist in the digital onboarding of loans and cards. Credilio enables a small financial advisor to educate customers and recommend lending products that are best suited to meet their unique requirements and further enables them to subscribe for credit cards or loans digitally.

The company does this by providing a large range of product offerings and a customized recommendation tool through a simple mobile app that empowers advisors to be truly digital and future-ready. In addition, the platform allows for instant online approval by leveraging open banking APIs of Banks and NBFCs, thus making the purchase process transparent and paperless. It has reduced the average prospecting-to-onboarding time to less than 10 minutes in a single session as compared to the industry average of an interrupted process over 2-3 days.

A challenger start-up, Credilio is the brainchild of second-time entrepreneurial duo Mr. Aditya Gupta and Mr. Anand Kapadia. It’s backed by a clutch of Venture Capital funds namely Cornerstone Venture Capital Partners, Exfinity Venture Partners, and Param Capital founder Mukul Agarwal.

The platform currently partners with 20+ leading Banks and NBFCs and has over 10,000 Financial Advisors who have assisted more than 0.5 million customer applications getting processed fully digitally in a span of less than a year. The capital raised will power Credilio’s ambitious plans to meet an ARR of 100 cr. by March 2023 and serve 25 million customers through a million advisors in the next 3 years.

Quantiphi is an award-winning AI-first digital engineering company driven by the desire to reimagine and realize transformational opportunities at the heart of the business. Since its inception in 2013, Quantiphi has solved the toughest and most complex business problems by combining deep industry experience, disciplined cloud, and data-engineering practices, and cutting-edge artificial intelligence research to achieve accelerated and quantifiable business results.

Founded in 2014 by two passionate individuals during their second year at Christ College, Bangalore, Moshi Moshi is a young, creative, and committed communication company that encourages clients to always "Expect the EXTRA." 

Our diverse team of over 160+ people includes Art directors, Cinematographers, Content and copy writers, marketers, developers, coders, and our beloved puppy, Momo. We offer a wide range of services, including strategy, brand design, communications, packaging, film and TVCs, PR, and more. At Moshi Moshi, we believe in creating experiences rather than just running a company.​

We are amongst the fastest growing agencies in the country with a very strong value system.

Below are the five of the nine principles we believe in strongly.

1. Communicate Clearly.: Prioritize clear and open dialogue.
2. Doing things morally right.: Uphold integrity in all endeavors.
3. Dream it, do it.: Always Embrace optimism and a can-do attitude.
4. Add logic to your life.: Ensure that rationality guides our actions.
5. Be that fool.: Fearlessly challenge the impossible.

Come find yourself at Moshi Moshi.

AI that writes Credit Reports on its own !!

AbleCredit is a friendly, supportive credit assistant. It generates Credit Appraisal Memos based on your policies, without any human intervention.‍