We are Kunai
Kunai is a boutique product consultancy that has spent two decades transforming the financial services industry.

We conceive, design, develop, and operate products & services that are changing the world’s relationship with money.

Our Story

“Client trust is a consultancy’s only real asset, and the only way we scale is by scaling that trust.”
- Sandeep Kumar Sood (CEO)
Sandeep founds digital consultancy Monsoon, supporting financial institutions like Wells Fargo, Bloomberg, and Citi. The boutique firm, based in Oakland, CA, is headquartered in the historic Oakland Bank of Savings building.
“Capital One understands that banking is ripe for transformation and we are deeply excited to be working with them to deliver bold transformations that will help people connect with their finances in new ways.”
- Sandeep Kumar Sood (CEO)
Monsoon begins working with Capital One, helping the company become the first major US bank to move to the public cloud.
“You can’t just…dream it up. You have to really attract the right talent. The acquisition of Monsoon shows Capital One’s commitment to the most modern programming frameworks and technologies.”
- Former Capital One MVP of Engineering, Skip Potter
Capital One acquires Monsoon and the core team spends three years there, building real-time data pipelines, continuing the cloud migration journey, and enhancing core mobile applications.
“The nature of money is undergoing a fundamental transformation. Our goal is to help our clients evolve in ways that will help them embrace that future rather than fear it.”
- Ruan Pethiyagoda, Head of Strategy
Sandeep and the team start Kunai. Within a few years, the boutique consultancy earns the trust of all four major payment networks, three of the top ten US banks, and unicorn FinTech startups like Plaid & Nubank.
Kunai doubles revenue for three years in a row and the boutique company begins to challenge legacy consultancies for critical project work. Kunai builds an AI platform and opens its Mexico City office.
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