Perfios Unveils Cognitive AI Platform for Banking Transformation
Perfios today introduced a Cognitive AI operating system aimed at moving banks beyond rule-based automation toward context-aware decisioning across onboarding, underwriting, risk management and collections. The platform arrives as regulators, including the RBI, tighten expectations on AI explainability, governance and accountability.
Beyond Automation: Introducing Cognitive Finance
Cognitive AI, as Perfios defines it, combines domain-trained large language models and vision-language models with policy-aware architectures to make chained decisions with traceability. The goal is an agentic platform that can interpret documents, apply policy, take contextual actions and record decision trails that support audit and compliance requirements.
Unifying Disparate Systems for Real-Time Intelligence
Financial institutions frequently operate in silos where data and models do not talk to each other. Perfios frames its OS as a real-time layer that unifies legacy systems, analytics and model outputs into a single decision fabric. That approach reduces manual handoffs and provides the context banks need to meet regulatory scrutiny on model explainability and controls.
Tangible Benefits and Core AI Modules
Measurable Operational Impact
Early deployments report about 30 percent savings in operating costs, faster capital deployment and improved early-vintage repayment performance. Those gains come from automating document ingestion, standardising credit decision logic and closing cycle-time gaps between origination and servicing.
Key Agentic Products
- Data Intelligence Bridge: connects siloed data and normalises inputs for downstream models.
- KSCAN AI: automates document and image understanding for onboarding and verification.
- CAM AI: credit and account management workflows with policy-driven decisioning.
- Maestro: orchestration layer that sequences agents, logs decisions and supports audits.
The Future of Responsible AI in Financial Services
Perfios positions its platform as a path to responsible, operational AI that learns context and makes instant, explainable decisions with traceability. As Sumit Nigam put it, the aim is systems that “understand context, learn and act while leaving a clear audit trail.” For banks, that promise links operational efficiency to stronger governance and regulatory alignment.
