Decipher Consultancy Services is a Gurugram, India based AI and software firm. We serve Singapore fintechs, banks, wealth managers, insurers, logistics and B2B SaaS teams with custom AI, RAG chatbots, AI agents, predictive ML and managed operations. SGT is only 2.5 hours ahead of IST so we get 8 to 9 hours of daily real-time overlap. Delhi to Singapore is a 5.5 hour direct flight for on-site kickoffs and quarterly reviews. MAS TRM aware, PDPA 2012 aligned, MSA under Singapore law. SGD and USD invoicing. ISO 9001:2015 certified, 12+ years, 500+ systems shipped.
Singapore has some of the highest local AI engineering rates in APAC. Senior AI hires from a Raffles Place consultancy or a big-4 tech advisory bill SGD 300 to 500 per hour. The local talent market is thin above the mid-senior line, and every fintech, bank and B2B SaaS company competes for the same 200 people. The India-based project-services model we run gives Singapore CIOs, product heads and compliance leads a third option. Senior engineering time under Singapore-law MSA, at roughly 30 to 50 percent of local rates, with near-full workday overlap because we are only 2.5 hours behind SGT.
Start with one to prove value fast, or combine several into an end-to-end AI programme owned by a single named delivery lead.
Retrieval-augmented chatbots grounded in your product docs, policy library or wealth research. Cited answers, low-hallucination behaviour, deployed on web, WhatsApp, Teams or in-app.
Explore RAG chatbotsMulti-step agents for KYC assist, credit decisioning, wealth advisory copilots, claims triage, back-office reconciliation. Wired to your core banking, CRM, PayNow and payment rails.
Explore AI agentsCredit scoring, fraud detection, churn, dynamic pricing, wealth portfolio recommendation, insurance underwriting and claims. Built on your data, deployed in your stack, drift-monitored.
Explore predictive MLIn-app AI features for Singapore-HQ B2B SaaS products serving SEA. Copilots, onboarding assistants, multilingual support (English, Bahasa, Thai, Vietnamese), insight engines.
Explore SaaS LLM buildsOngoing ownership of your live AI systems. Model monitoring, prompt regressions, cost control, drift alerts, retraining loops and 24/7 on-call rotation aligned to SGT business hours.
Explore managed opsHardening for MAS-regulated systems. VAPT, MAS TRM mapping, ISO 27001 controls alignment, DR drills, key rotation, audit logging and vendor-review readiness for regulated clients.
Explore securityWhatsApp Business Platform for SEA rollouts. English, Bahasa Indonesia, Bahasa Malaysia, Thai and Vietnamese templates. PayNow and regional payment link integration.
Explore messagingFree 15-min Zoom in Singapore business hours. Tell us the sector, current stack and where AI fits into your roadmap. A senior solution lead meets you within 48 hours.
Book Free 15-min CallThese are the buyer profiles that match how we deliver. Honest scope: not fabricated logos, just the sectors we ship for.
Singapore fintechs, digital banks, payments and wealth-tech firms building AI copilots for KYC, credit decisioning, fraud scoring and RM productivity with MAS TRM documentation ready for supervisory review.
Private banks, wealth advisories, single and multi-family offices building portfolio reporting agents, KYC packet generation, document Q&A and English + Chinese document summarisation.
Singapore-HQ B2B SaaS teams shipping across Indonesia, Malaysia, Thailand, Vietnam and Philippines that need in-app AI features, multilingual copilots and regional data-residency posture.
Port operators, freight forwarders and cross-border logistics platforms building document extraction, route and yard optimisation, ETA prediction and shipment Q&A agents at regional scale.
Singapore-licensed insurers and InsurTech vendors building claims triage, underwriting risk models, policy document Q&A and multilingual customer chatbots across SEA markets.
Global companies running SEA regional headquarters from Singapore, driving digital and AI programmes across the region with region-specific KYC, payments, tax and language localisation.
Practical, predictable and easy to hand to your legal, finance and technology risk leads.
Free 15-min Zoom in SGT business hours. We understand your goal, current stack, data situation and timeline. If it fits, we scope a paid 1 to 2 week discovery sprint under mutual NDA.
For engagements above SGD 30,000, kickoff is on-site in Singapore. Workshops with business, IT security, technology risk and compliance owners. We fly in (5.5 hr direct), you host. Singapore-law MSA signed before code.
Dedicated private Slack or Teams channel. Weekly Zoom checkpoint in SGT hours. Shared Linear or Jira board. Named PM and tech lead stay on the account start to finish, no swap-outs.
Executive review in Singapore every quarter for retainer engagements. Deployment sign-off, MAS documentation walkthrough where relevant, roadmap alignment. Travel billed at cost, not marked up.
Contracts, data handling, residency and security controls aligned to PDPA 2012, MAS TRM Guidelines, MAS Notice 655 outsourcing and IMDA Model AI Governance.
Signed paperwork and documented controls come first. Discovery after NDA. Build after MSA and SOW under Singapore law. Regulatory framework picked up front, not retrofitted.
Singapore Personal Data Protection Act 2012 (as amended) principles applied. DPIA support, data intermediary DPA, consent architecture and PDPC-friendly privacy notice inputs.
Technology Risk Management framework applied for BFSI clients. Model risk documentation, explainability logs, change controls and IT audit-ready evidence for MAS supervisory reviews.
Outsourcing risk assessment support for FI clients. Third-party risk documentation, exit management planning, sub-contractor register and audit-rights clauses fitted to Notice 655.
Model AI Governance Framework and AI Verify toolkit principles applied where relevant. Fairness, explainability and human oversight patterns built into AI feature specs from day one.
AWS ap-southeast-1 (Singapore), Azure Southeast Asia and Google Cloud asia-southeast1 available. Data stays inside Singapore borders when your contract requires it.
OpenAI, Anthropic and Azure OpenAI ZDR configurations enabled. Your prompts and completions are not retained by the model provider or used for training. Documented in the DPA.
Default MSA governed by Singapore law with SIAC arbitration seat in Singapore. Indian law available if you prefer. Standard mutual NDA before any technical discovery.
All code, model weights, prompts, fine-tuned adapters and evaluation datasets are your work-for-hire IP. Delivered into your GitHub, GitLab or Azure DevOps organisation.
Real anchors, not vague ranges. Every tier includes a named PM, senior India-based engineers, weekly video review and a fixed price or T&M ceiling.
Signed NDA, technical audit of your current stack, solution architecture, integration map and a fixed-price proposal for the build phase.
Fixed-scope RAG chatbot on your knowledge base. Deployed on web, WhatsApp, Teams or in-app. Eval harness and analytics dashboard. PDPA aligned data handling from day one.
Full AI agent or predictive ML build. Multi-step workflow with core banking, wealth platform, CRM and payment rails. Model risk documentation. On-site kickoff and go-live.
Ongoing monthly retainer. Own your live AI systems, monitor model drift and cost, run prompt regressions, retrain on schedule, on-call rotation for incidents.
All prices exclude travel-at-cost for on-site visits. Singapore GST on imported services is handled by your finance team where applicable.
Book a 15-minute Zoom in SGT. Tell us the sector, current stack, compliance context and roadmap. We come back with a shortlist of engagement options and, for engagements above SGD 30,000, a firm plan to fly in for kickoff.