The Execution Layer Between Enterprise and Tech
One platform to discover, test, and validate fintech & AI vendors - before you onboard.
Trusted by Enterprise Teams Across Banking, Insurance, Regulation and Innovation
Enterprise Technology State of Play Report 2026
Download the 2026 report
Financial institutions are under increasing pressure to deliver new capabilities faster while managing risk, regulation, and complex vendor ecosystems.
Our Enterprise Technology State of Play report examines how banks are navigating this challenge. Drawing on market trends, industry research, and real delivery experience, the report explores how organisations are evaluating new technologies, reducing vendor risk, and accelerating innovation safely.
Why Evaluating New Technology Is Slow in Large Enterprises
Enterprises can discover new technology quickly. But validating whether it works in their environment is far harder. Security reviews, data restrictions, procurement processes and integration risk mean teams often cannot test solutions safely before vendor onboarding begins. As a result:
01
Vendor Validation
Take Months
Security reviews, integration access and data constraints mean teams often spend more time setting up tests than actually evaluating the technology.
02
Proof-of-Value Rarely Reach Production
Many proofs-of-value demonstrate potential, but without realistic environments and governance alignment they cannot translate into production deployment.
03
Decisions Without Technical Evidence
Vendor selection often begins before meaningful testing has taken place, leaving risk, security and architecture teams without the evidence they need to approve deployment.
The Infrastructure for Technology Validation
NayaOne provides the core infrastructure enterprises need to evaluate emerging technologies. The platform combines three components:
Secure Workspaces
Air-gapped environments where teams can experiment safely without touching production systems.
Vendor Enterprise Gateway
Pre-vetted list of best-in-class vendors, accessible to financial institutions; or financial institutions can invite vendors on demand.
Synthetic Data Libraries
Pre-built datasets that allow realistic testing with synthetic datasets without exposing sensitive information.
How Enterprise Validate Technology with NayaOne
Enterprises often struggle to test new technologies safely before procurement and onboarding begin.
NayaOne provides the infrastructure that allows organisations to evaluate vendors, generate technical evidence and make confident deployment decisions.
Vendor discovery
Demos & shortlisting
Testing
Proof-of-value
Build / Buy decision
Vendor onboarding
Production
Put Every Vendor Through The Same Validation Workflow
With NayaOne, enterprises move from vendor discovery to decision in weeks, not months, with clear evidence of performance at every step.
Discover
Find pre-integrated technology vendors mapped to your business outcomes and use cases.
Test
Run hands-on experiments in secure, air-gapped environments.
Validate
Generate evidence of fit, performance, and scalability before you commit.
Select
Make confident buy, partner, or build decisions based on evidence.
What Enterprises Use NayaOne For
Enterprises use NayaOne to evaluate vendors, prove capabilities, and move new technology into delivery with confidence.
These are recent use cases teams ran on the NayaOne platform.
AI Model Evaluation
Teams assess model accuracy, performance, and reliability in controlled environments before enterprise rollout.
Claims/Fraud Automation
Teams test automation tools against real decision flows to confirm detection accuracy, false positive rates, and workflow fit.
Customer Experience
NayaOne accelerates CX PoC, helping insurers launch satisfaction-boosting tools sooner.
Digital Assets and Tokenisation
Teams explore digital asset use cases and custody models, confirming operational readiness and regulatory alignment before scaling.
Digital Identity and Onboarding
Teams validate ID, verification, and KYC solutions to ensure they meet compliance requirements and integrate cleanly with onboarding journeys.
Lending and Credit Decisioning
Teams test credit models, scoring tools, and onboarding workflows to confirm accuracy, fairness, and operational fit before roll-out.
Payments Modernisation
Teams evaluate new payment solutions for speed, interoperability, and operational resilience before introducing them into core systems.
Regulatory Sandbox
and Supervisory Tech
Regulators run controlled experiments to understand emerging solutions, assess risk, and guide policy direction.
SMB Banking
and Product Evaluation
Teams evaluate SMB-focused platforms, onboarding journeys, and servicing tools to ensure they work end-to-end for business customers before adoption.
Trusted by Leading Financial Institutions, Regulators, Large Enterprises and Global Technology Partners
positioning us well ahead in the digital transformation and AI race.
giving enterprises a clear path to innovate and deliver ROI faster.
Shout out also to our partners Amazon Web Services (AWS) and NayaOne.
who drive responsible innovation at Valley.
"We recently collaborated with NayaOne to streamline lengthy regulatory processes, resulting in fintech partnerships that are
80 - 90% faster and significantly reduced costs."
- Tier 1 Retail and Commercial Bank
Old Way vs New Way of Adopting Financial Technology
CURRENT WAY
1
Vendor onboarding is slow and fragmented across teams.
2
Fragmented data and lack of testing environments stall technology evaluation.
3
No structured pathway to scale PoC into production-ready solutions.
4
Legacy systems and data silos block experimentation and ROI visibility.
5
Governance is fragmented, requiring multi-team alignment to ensure compliance.
WITH
1
Isolated, secure environments enable vendor evaluation without full production onboarding.
2
Unified platform provides integrated tools, data and sandbox environments.
3
Audit-ready testing & technical pathways for smoother transitions from PoC to production.
4
Technology test harnesses enable full integration and prototyping.
5
Centralised access for cross functional teams to engage technology vendors.
Validate Technology in Weeks, not Months.
Book a sandbox walkthrough with a Solutions Architect.
NayaOne In Action
In The News
FAQs
Large organisations cannot easily test external technologies inside their production environments.
Security restrictions, data sensitivity and integration risk mean teams often need dedicated infrastructure before meaningful testing can begin.
Vendor validation is the process of technically evaluating a third-party technology solution before procurement or deployment. This includes testing functionality, integrations and performance in a controlled environment.
Many proofs-of-value demonstrate potential but lack the infrastructure needed to generate decision-grade evidence. Without secure environments, realistic data and governance alignment, results cannot translate into production deployment.
The platform uses high-quality, representative synthetic datasets that mimic real customer data. This allows for meaningful validation without exposing sensitive customer data. Examples include bank statements, identity document sets, fraudulent transaction records, loan application data to name a few. Understand synthetic data.
Enterprises evaluating new technology, building AI initiatives, or running vendor selection, architecture, procurement, or innovation workflows. It is also used by regulators, vendors, and ecosystem partners.
No. Vendors are pre-integrated. Teams can begin evaluating performance and fit in days instead of months.
Most teams start with a sandbox walkthrough and a scoped validation sprint focused on one use case. From there, additional vendors or workflows can be added as needed.
NayaOne does not replace these processes. It allows teams to generate evidence early, so procurement and security decisions are made with clarity and confidence.
Enterprises use sandbox environments to test technologies such as:
- AI and machine learning systems
- open banking APIs
- payments and fintech platforms
- digital asset infrastructure
- fraud detection and compliance tools
Sandbox environments allow organisations to generate technical evidence before committing to vendors. This reduces procurement risk and helps architecture, risk and security teams evaluate solutions safely.
