Aravind Palani

Built RuPay NCCM Android SDK (ISO DEP + ISO 7816-4 APDU) compliant with EMV contactless protocol for NPCI's SPARC & RuPay Contactless Kernel; enabled offline balance check & balance update in transit cards via NFC; integrated and live in Indian Bank mobile app. Contributed to NPCI's CL Wrapper SDK for customer onboarding and UPI tokenization wrapper SDK enabling secure tokenized transactions. Contributed to a multi-flavored, white-labeled Flutter app for Indian Bank and NSDL Payments Bank, supporting prepaid, Gift, and NPCI card issuance, with 10K+ downloads in Play Store and App Store. Rebuilt core card lifecycle features (MIN / FULL KYC, create, activate, limits, block/unblock, balance loads, IMPS), rewrote legacy components to improve performance and memory usage, ensured PCI-DSS / OWASP compliance. Integrated Razorpay and Cashfree payment gateways to enable card balance loading. Implemented key mobile security features, including root/jailbreak detection, SSL pinning, Google Play I

Implemented self-onboarding in Driver Partner Android app (50k+ downloads) using Jetpack Compose UI, resulting in 85% shift from manual to self signup and 70% reduction in signup time. Integrated IDfy for verification of driver documents (Aadhaar, Driver License, PAN) automating checks and replacing 100% manual verification. Built gamification features (driver challenges, incentives, performance dashboards) leading to 15% improvement in on-time deliveries. Integrated CleverTap for real-time analytics and Firebase Crashlytics for crash monitoring, enabling insights and improving app stability.

Implemented self-onboard in Driver Partner Android app (50k+ downloads) using Jetpack Compose for UI, resulting in an 85% shift from manual to self signup and a 70% reduction in signup time. Integrated IDfy for verification of driver documents (Aadhaar, Driver License, PAN) automating document checks and replacing 100% of manual verification. Built gamification features (driver challenges, incentives, performance dashboards) leading to a 15% improvement in on-time deliveries. Integrated CleverTap for real-time analytics and Firebase Crashlytics for crash monitoring, enabling user insights and improving app stability.