Perfios Unveils Agentic AI Operating System at GFF 2026
On September 8, 2026, Perfios, India’s leading B2B SaaS TechFin, was selected among six technology firms to demonstrate its AI breakthroughs for the Banking, Financial Services and Insurance (BFSI) sector directly to Prime Minister Narendra Modi at the Global Fintech Fest (GFF) 2026 in Mumbai. The showcase introduced Perfios’ next‑generation Agentic AI Operating System – an autonomous, self‑learning platform designed to evaluate credit using everyday real‑world data, thereby extending formal loan access to millions of underserved citizens across rural, MSME and youth segments.
Perfios asserts that its technology underpins 90% of India’s digital loans, serves more than 1,000 banks, NBFCs and fintechs, operates in over 20 countries and enables credit for more than 25 million businesses. Managing Director and Group CEO Nitin Chugh said the presentation to the Prime Minister was an “extraordinary honour” and illustrated how the AI agents can transform credit assessment for a rural woman cattle‑grazer by analysing dairy collection payouts, milk‑yield history and UPI transactions to build a credible credit profile. For small‑business owners, the system aggregates GST, trade and banking data within seconds to facilitate rapid applications for government schemes such as PM Mudra (PMMY) and PM Vishwakarma. For young Indians, the AI evaluates earnings, savings and spending patterns to deliver personalized budgeting advice and timely investment guidance.
During the live interaction, Perfios highlighted three economic pillars: (1) Rural India – converting daily dairy and UPI records into trusted credit profiles for direct bank loans; (2) Small Businesses (MSMEs) – merging GST, trade and banking data to streamline access to government funding; and (3) Young India – analysing financial behaviour to offer budgeting and investment recommendations.
From September 9‑11, Perfios will exhibit its “Agents You Can Bank On” portfolio of eight specialised AI solutions at Booth i1. The lending suite includes CAM, Agentic Underwriting and the Data Intelligence Bridge (DIB) for automated credit assessment, AI‑assisted underwriting and intelligent document processing. The fraud and compliance suite features Clari5 Genie and a DPDP Suite that enable AI‑driven fraud and AML investigations while ensuring compliance with India’s Digital Personal Data Protection Act. The insurance suite comprises Agentic Distribution, Health Claims and Agentic PAS, applying AI across onboarding, distribution, underwriting, claims and fraud intelligence. Customer servicing and origination are addressed by CognifAI Assist, which blends AI voice assistance with secure visual co‑browsing to guide users through complex service journeys. Collections are handled by Orca AI, a multi‑agent orchestration platform that determines optimal collection actions in real time within defined compliance guardrails.
Founded in 2008, Perfios operates as a global B2B SaaS TechFin serving the BFSI industry in 20 countries, empowering over 1,000 financial institutions. The company processes 8.2 billion data points annually to accelerate decisioning and expand credit access. Headquartered in Bangalore with worldwide offices, Perfios offers more than 75 products and platforms and over 500 APIs. (Disclaimer: This press release is provided under an arrangement with PRNewswire; PTI assumes no editorial responsibility.)