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UK . London + nationwide

AI development company for UK clients, delivered by an India-based senior engineering team

Decipher Consultancy Services is a Gurugram, India based AI and software firm. We serve UK clients in London, Manchester, Edinburgh, Bristol and Birmingham with custom AI, RAG chatbots, AI agents, predictive ML and managed operations. 4 to 5 hours of daily BST overlap with London business hours, MSA under English law, UK GDPR aligned data handling. We fly in for kickoff and quarterly reviews. GBP and USD invoicing supported. ISO 9001:2015 certified, 12+ years operating, 500+ systems shipped.

Serving
UK · London + nationwide
Delivery Model
  • India-based engineering. Honest: no London or Manchester office.
  • 4 to 5 hour daily BST overlap covering UK morning + early afternoon.
  • MSA under English law. GBP or USD invoicing. Outside IR35 by structure.
Delivery HQ
Sushant Lok III, Gurugram, India . Serving UK remotely + on-site visits
12+
Years
500+
Systems
ISO
9001:2015
12+ years
Shipping AI & software
500+
Systems shipped
4-5 hrs
Daily BST overlap
GBP + USD
Invoicing available
Why UK Companies Work With Decipher

Senior AI engineering under English-law MSA, at India rates, without the City overhead

Most London AI consultancies bill senior engineers at GBP 900 to 1,400 per day. Most independent contractors get you a smart person but not a delivery pod, and IR35 keeps making that harder to run cleanly. The India-based project-services model we operate at Decipher gives UK product, engineering and compliance leads a third option. Senior engineering time, a named PM, MSA under English law and an invoice from a company (not a personal service company), at roughly 40 to 60 percent of a London day rate.

  • 40 to 60 percent cost delta vs London day rates. Senior AI engineer at a London shop bills GBP 900 to 1,400 per day. Same seniority with us bills roughly GBP 350 to 600 per day, with a named PM staying on the account.
  • 4 to 5 hour BST overlap. Live from 8:00 AM BST through roughly 1:00 PM BST every workday, extending to 4:00 PM BST on request. Real-time Slack, Teams, Zoom pairing and design calls in that window.
  • UK GDPR + DPA 2018 baseline. Data Processing Agreements, DPIA support, ROPA templates, sub-processor lists, ICO-friendly privacy notice inputs. Data residency in AWS eu-west-2 London or Azure UK South.
  • FCA fintech comfortable. Model risk documentation, explainability logs, audit trails, PSD2 Open Banking integrations. Consumer Duty considerations built into the AI feature spec, not retrofitted.
  • Outside IR35 by structure. Project-based services under MSA and SOW with fixed deliverables, our own pod, our own PM. Not a contractor swap. Clean for your finance and tax team.
  • We fly in when it matters. Kickoff week is on-site by default for engagements above GBP 25,000. Quarterly executive reviews and go-live milestones on-site. Travel billed at cost.
Delivery Model for UK

India-based, UK-aligned

Delivery HQ: Sushant Lok III,
Gurugram, Haryana 122001,
India
Live overlap: 8:00 AM to 1:00 PM BST daily
info@decipherconsultancy.in
On-site: kickoff, quarterly, go-live
ISO 9001:2015 certified delivery
Data residency: AWS eu-west-2, Azure UK South
Honest note: no permanent UK office. We fly in as needed and run day-to-day work remotely with a dedicated Slack or Teams channel and BST-hour cover.
AI + Software Services We Deliver to UK Clients

Seven practice areas shipped for UK buyers

Start with one to prove value fast, or combine several into an end-to-end AI programme owned by a single named delivery lead.

Custom RAG Chatbots

Retrieval-augmented chatbots grounded in your product docs, help centre or policy library. Cited answers, low-hallucination behaviour, deployed on web, Teams, Slack or in-app.

Explore RAG chatbots

AI Agents for Fintech & Ops

Multi-step agents for KYC assist, loan pre-qualification, PSD2 Open Banking flows, claims triage, back-office reconciliation. Wired to your CRM, payments, ticketing and ledger.

Explore AI agents

Predictive ML Models

Credit scoring, fraud detection, churn, demand forecasting, pricing and personalisation. Built on your data, deployed inside your stack, monitored for drift with clear evaluation baselines.

Explore predictive ML

LLM Integration for UK SaaS

In-app AI features for UK B2B SaaS products. Copilots, onboarding assistants, summary and insight engines, natural-language search. Shipped with eval harnesses, not vibes.

Explore SaaS LLM builds

Managed AI Operations

Ongoing ownership of your live AI systems. Model monitoring, prompt regressions, cost control, drift alerts, retraining loops and 24/7 on-call rotation with BST-hour cover.

Explore managed ops

Healthtech & NHS-facing AI

Patient-facing chatbots, clinician document summarisation, referral triage, prior-auth automation. DSPT and DCB0129 / DCB0160 clinical safety documentation supported.

Explore healthcare AI

Security & Continuity

Hardening for FCA and NHS-facing systems. VAPT, SOC 2 alignment, ISO 27001 controls mapping, DR drills, key rotation, audit logging and vendor-review readiness.

Explore security

Book a call in BST

Free 15-min Zoom in UK morning or early afternoon. 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 Call
Industries in the UK We Target

Six UK sectors where our engagement model fits well

These are the buyer profiles that match how we deliver. Honest scope: not fabricated logos, just the sectors we ship for.

FCA Fintech & Payments

UK fintechs, EMIs, small banks, wealth-tech and payments teams that need AI copilots for KYC, credit decisioning, fraud scoring and PSD2 Open Banking flows with model risk documentation for FCA review.

NHS Trusts & Healthtech

NHS trusts, digital health startups and clinician-facing SaaS building patient chatbots, referral triage, prior-auth automation and clinical document summarisation with DSPT and clinical safety documentation.

UK B2B SaaS

London and Bristol-heavy UK B2B SaaS teams that need in-app AI features (copilots, help bots, onboarding assistants, insight engines) shipped on their release cadence, not a big-bang launch.

UK E-commerce & D2C

UK direct-to-consumer brands and marketplaces on Shopify, BigCommerce or headless stacks that want product Q&A bots, cart-recovery agents, review summarisation and personalisation.

Legal & Professional Services

UK law firms, accountancies and consulting practices building document Q&A bots, matter summarisation, precedent search and back-office automation with UK GDPR and legal-privilege guardrails.

Public Sector & GovTech

UK local government, arms-length bodies and GovTech vendors delivering citizen-service chatbots, case-work automation and document processing under Cloud First and OFFICIAL data classification norms.

How We Work With UK Clients

Four-step engagement model that UK procurement teams recognise

Practical, predictable and easy to hand to your legal, finance and information security leads.

1
Discovery call in BST

Free 15-min Zoom in UK morning or early afternoon. 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.

2
On-site kickoff week

For engagements above GBP 25,000, kickoff is on-site in London or your city. Workshops with product, engineering, InfoSec and compliance owners. We fly in, you host. English-law MSA signed before code.

3
Slack + weekly video review

Dedicated private Slack or Teams channel. Weekly Zoom checkpoint in BST hours. Shared Linear or Jira board. Named PM and tech lead stay on the account start to finish, no swap-outs.

4
Quarterly on-site review

Executive review in London or your city every quarter for retainer engagements. Deployment sign-off, roadmap alignment, InfoSec walkthrough and audit prep. Travel billed at cost, not marked up.

Compliance We Support for UK Engagements

Regulatory posture set up the way UK procurement expects

Contracts, data handling, residency and security controls aligned to UK GDPR, DPA 2018, FCA supervisory expectations and NHS DSPT.

What is standard, before any code is written

Signed paperwork and documented controls come first. Discovery happens after NDA. Build happens after MSA and SOW under English law. Regulatory framework picked up front, not retrofitted.

UK GDPR + DPA 2018

Baseline data protection framework for every UK engagement. Data Processing Agreement, DPIA support, ROPA templates, sub-processor lists and ICO-friendly privacy notice inputs provided.

FCA vendor-review ready

Model risk documentation, explainability logs, audit trails and change-control records that fit an FCA supervisory conversation. Consumer Duty considerations built into feature specs.

NHS DSPT + Clinical Safety

NHS Digital DSPT alignment. DCB0129 (manufacturer) and DCB0160 (deployer) clinical safety documentation supported for AI features touching clinical workflows.

PSD2 Open Banking

Open Banking Standard APIs, TPP integrations, strong customer authentication flows and FAPI-compliant OAuth patterns wired into your AI agent or ML pipeline.

UK / EU data residency

AWS eu-west-2 (London), Azure UK South and Google Cloud europe-west2 available. Data stays inside UK or EU borders when your contract requires it. No cross-region replication without approval.

Zero data retention on LLMs

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.

MSA under English law

Default MSA governed by English law with London courts jurisdiction. Indian law available if you prefer. Standard mutual NDA before any technical discovery. Outside IR35 by structure.

Full IP + code handover

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.

Pricing for UK Clients

Four transparent engagement tiers, priced in GBP and USD

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.

Tier 1
Discovery Sprint
GBP 4,200
approx USD 5,300 . 1 to 2 weeks

Signed NDA, technical audit of your current stack, solution architecture, integration map and a fixed-price proposal for the build phase.

  • Solution architect + PM
  • 2 workshops (remote or on-site)
  • Written scope + fixed build price
Tier 3
Full AI Agent Build
GBP 35,000 - 55,000
approx USD 44,000 - 70,000 . 10 to 16 weeks

Full AI agent or predictive ML build. Multi-step workflow with CRM, Open Banking, payments and back-office wiring. Model risk documentation. On-site kickoff and go-live.

  • 4 to 6 person delivery pod
  • On-site kickoff + go-live week
  • Full eval harness + audit logs
  • 90 days post-go-live warranty
Tier 4
Managed AI Ops
GBP 2,800 - 5,200
approx USD 3,500 - 6,600 / month . 3-month min

Ongoing monthly retainer. Own your live AI systems, monitor model drift and cost, run prompt regressions, retrain on schedule, on-call rotation for incidents.

  • Named tech lead + engineer
  • Monthly quality report
  • 24/7 on-call with 15-min ack
  • Quarterly on-site review

All prices exclude travel-at-cost for on-site visits. UK VAT reverse-charge applies for services from an overseas supplier.

FAQ

Questions UK buyers ask on the first call

No, and we are transparent about it. Decipher Consultancy Services is a Gurugram India-based firm. Our founder, engineering team and delivery leadership are all in India. We do not currently operate a London or Manchester office. For UK clients we fly in for kickoff, quarterly reviews and go-live workshops when the engagement calls for it. Day-to-day work runs on a dedicated Slack or Teams channel with 4 to 5 hours of daily real-time BST overlap. UK clients typically pick this model because they get senior AI engineering at India rates without paying City of London office costs baked into the invoice.

BST is 4.5 hours behind IST in summer, GMT is 5.5 hours behind in winter. Our India engineering team is live from 12:30 PM IST (8:00 AM BST) through roughly 8:30 PM IST (4:00 PM BST), which gives UK clients a solid 4 to 5 hour real-time overlap window covering the entire UK morning and most of the afternoon. Slack or Teams, Zoom, code reviews, pairing and design calls all happen inside that window. For urgent production incidents outside the overlap, on-call rotation runs 24/7 with 15-minute acknowledgment.

Yes. UK clients are typically invoiced in GBP or USD from our India entity via SWIFT wire transfer. GST-compliant Indian tax invoices are provided which UK AP teams accept as vendor invoices for VAT reverse-charge purposes (services from an overseas supplier). We do not add Indian GST on export invoices for UK clients, and there is no UK VAT to charge under reverse-charge rules. Payment terms are net-15 or net-30. Purchase-order-driven billing is available for larger clients.

No. IR35 applies to individual contractors treated as disguised employees. We are a company providing project-based professional services under an MSA and SOW with fixed deliverables, our own engineering pod, our own PM and our own tools. That is outside-IR35 by structure. We are happy to walk your finance or tax adviser through the engagement model on a call. For clients migrating from a personal-service-company contractor to a project-based vendor, this is one of the cleanest ways to get AI work done without IR35 exposure.

Yes. UK GDPR and the Data Protection Act 2018 principles are the baseline for every UK engagement. We support DPIA and ROPA documentation, act as data processor under a signed DPA, help write ICO-friendly privacy notices for AI features, and align sub-processor lists to your controller obligations. For NHS clients we align with NHS Digital DSPT and DCB0129 / DCB0160 clinical safety documentation where relevant. Data residency in UK or EU is available via AWS eu-west-2 (London), Azure UK South and Google Cloud europe-west2.

Yes. We build AI for FCA regulated fintechs (payments, lending, wealth, EMIs, small banks) with the model risk documentation, explainability logs, audit trails and consumer duty considerations that a regulator conversation requires. We complete standard security questionnaires, support your third-party vendor assessment process and produce the documentation your compliance team needs to defend the AI system in a supervisory review. Open Banking PSD2 integrations, KYC and AML automation, credit decisioning and fraud detection are common builds.

You do. All code, model weights, fine-tuned adapters, prompts, evaluation datasets and infrastructure-as-code we produce for you is your work-for-hire IP under an MSA governed by English law (or Indian law if you prefer). Everything lives in your GitHub, GitLab or Azure DevOps organisation. When the engagement ends, you keep everything. We do not resell your data, prompts or models to anyone. Full IP assignment is the default, not an upsell.

Ready to work with an India-based AI team under English-law MSA?

Book a 15-minute Zoom in BST. Tell us the sector, current stack, compliance context and roadmap. We come back with a shortlist of engagement options and, for engagements above GBP 25,000, a firm plan to fly in for kickoff.

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