Perfios unveils agentic AI tools for MSME and consumer credit at Global Fintech Fest
Perfios showcased an Agentic AI Operating System designed to help banks, NBFCs and fintechs assess borrowers using transaction, GST and trade data, alongside tools for scheme discovery, fraud management and collections.
What happened
Perfios showcased its Agentic AI Operating System at Global Fintech Fest 2026, targeting inclusive credit access for rural borrowers, MSMEs and young consumers.
Key facts
- 90% of India's digital loans
- 1,000+ banks, NBFCs and fintechs
- 20+ countries
- 25M+ businesses
- eight AI solutions
- September 9-11, 2026
- founded in 2008
- 75+ products and platforms
- 500+ APIs
- 8.2 billion data points annually
Why this matters
Banks, NBFCs and fintech platforms may view Perfios as a potential embedded-credit partner or acquisition target for adding AI underwriting, government-scheme matching and credit-operations capabilities.
What to watch
- Named bank, NBFC or large fintech production deployments and disclosed loan-approval or turnaround-time improvements.
- Evidence that AI-scored cohorts have equal or lower delinquency than conventional underwriting cohorts after 6-12 months.
- RBI or government guidance on automated credit decisions, borrower consent, data localization, digital lending and AI explainability.
- Growth in GST-linked lending, invoice finance, Udyam-linked borrowing or scheme-originated loan applications.
- Reports of fraud, adverse borrower outcomes, collection complaints or model-bias incidents tied to automated credit workflows.
- Competitive launches from credit bureaus, core-banking providers, payment networks and large Indian fintech infrastructure vendors.
- Pilot agentic underwriting with a limited set of MSME lenders, focusing first on GST-registered merchants and repeat borrowers with verifiable cash-flow data.
- Package scheme discovery with loan origination and document collection so lenders can convert government-program eligibility into funded accounts.
- Expand fraud-management and collections agents as attach products, using post-disbursal performance data to improve underwriting models.
- Build audit trails, explainability controls, consent management and human-in-the-loop escalation to satisfy lender risk teams and anticipated AI governance requirements.
- Pursue integrations with accounting, POS, e-commerce, trade-network and bank-statement data sources to improve coverage of thin-file rural and informal borrowers.