Bengaluru: Perfios.ai, a leading B2B SaaS TechFin company, has announced the launch of its AI-powered Real-Time Operating System for the banking, financial services, and insurance sector.
The new platform is an integrated suite of agentic systems that function as a unified intelligence layer, helping financial institutions accelerate their transition to cognitive finance.
The launch aligns with the Reserve Bank of India’s focus on stronger governance and responsible use of artificial intelligence across financial services.
Addressing Fragmented Automation
The AI-powered OS is designed to address long-standing inefficiencies caused by siloed systems used for onboarding, underwriting, fraud detection, and core banking.
Perfios’ solution brings these functions together through a single intelligence layer that continuously learns, interprets large volumes of data, and converts institutional knowledge into real-time, context-aware decisions. This is expected to enable faster onboarding, deeper risk insights, improved productivity, and fully traceable governance.
Enterprise-Ready Agentic Architecture
Built on Perfios’ GenAI Reference Architecture, the operating system integrates domain-trained large language models, vision-language models, retrieval systems, and Policy RAG. This ensures that every decision is explainable, auditable, and operationally reliable, addressing growing regulatory expectations around transparency and accountability.
Key Platforms in the Suite
- The Data Intelligence Bridge enables layout-agnostic document understanding, verification, triangulation, and tamper detection, significantly reducing errors and fraud while improving decision speed.
- KSCAN AI provides conversational and contextual KYC and KYB due diligence, generating and qualifying MSME leads while improving compliance accuracy.
- CAM AI acts as an intelligent underwriting engine, combining financial analysis and policy reasoning to cut credit appraisal turnaround time by 85 percent and boost analyst productivity.
- Maestro delivers behaviour-aware collections intelligence, lowering call-centre costs and improving recovery outcomes across multiple languages.
- Journey Builder automates onboarding, servicing, and collections journeys, sharply reducing build time and engineering effort.
- The BaaS MCP platform enables Banking-as-a-Service orchestration, embedded finance, and audit-ready operations.
With its governance-first and agentic design, Perfios’ AI-led OS is expected to shift financial institutions from reactive processes to adaptive, insight-driven operations for reliable and contextual BFSI decision-making.
