Perfios

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The underwriter's job changes. It doesn't disappear. Someone who could get through ten applications can now get through many more, but the final call still sits with them. Our MD & Group CEO Nitin Chugh on why full automation isn't on the cards in lending, in The Economic Times' round-up from Global Fintech Fest 2026.

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Our CBO Sridhar Narayan moderated The Lending-Fintech Power Shift at Global Fintech Fest 2026, with Madhusudan Ekambaram, Manish Lunia, Rohit Taneja and Vineet Sukumar. Every lender has a framework for what to build and what to buy. Almost nobody follows it. Why that happens turned out to be the best part of the hour. We wrote it up in more detail, link in the comments. Thank you Global Fintech Fest for having us, and to the panel for keeping it honest.

"Financial services, by nature, are very conservative. Also because it's regulated as it should be." Our MD & Group CEO Nitin Chugh, alongside CPO Krishna Chaitanya B, on why AI adoption in #BFSI will be measured and where it's already creating real value for underwriters and borrowers. Thank you The Economic Times for the conversation at Global Fintech Fest 2026.

𝐂𝐲𝐛𝐞𝐫𝐬𝐞𝐜𝐮𝐫𝐢𝐭𝐲 𝐢𝐬𝐧'𝐭 𝐚𝐫𝐦𝐨𝐮𝐫. 𝐈𝐭'𝐬 𝐭𝐡𝐞 𝐛𝐫𝐚𝐤𝐞𝐬. That's how our MD & Group CEO Nitin Chugh put it to Aastha Chopra of Business Today TV at Global Fintech Fest 2026, and most people get it backwards. Security can never be permanently ahead of what practitioners are doing, because it would bring everything to a halt. It moves alongside. Some days you're ahead, some days the bad actors are. What has changed, he argues, is that it can't sit on its own track anymore. #InfoSec needs a seat at the table. Watch the full conversation below or visit: https://lnkd.in/gSjtgWxC Perfios builds 𝐀𝐠𝐞𝐧𝐭𝐬 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐁𝐚𝐧𝐤 𝐎𝐧. Mohit Srivastava (मोहित श्रीवास्तव)

📍 Perfios UAE x Fintech Tuesdays | Business Breakfast: Open Finance, Unlocking the Next Frontier of Banking | 11 September, Dubai 𝗧𝗵𝗲 𝗽𝗮𝗽𝗲𝗿𝗹𝗲𝘀𝘀 𝗼𝗳𝗳𝗶𝗰𝗲 𝘄𝗮𝘀 𝗰𝗼𝗶𝗻𝗲𝗱 𝗶𝗻 𝟭𝟵𝟳𝟱. 𝗣𝗮𝗽𝗲𝗿 𝘂𝘀𝗲 𝗸𝗲𝗽𝘁 𝗿𝗶𝘀𝗶𝗻𝗴 𝗳𝗼𝗿 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝟯𝟬 𝘆𝗲𝗮𝗿𝘀. That was Jonathan Holman CEO & Head of Open Finance UAE at Nebras Open Finance LLC , opening our Business Breakfast. His point: technology reshapes roles more than it removes them. ATMs didn't shrink branches, they turned tellers into salespeople. What deserved a longer pause was the roadmap. Agentic AI. An agentic consent layer. A service desk scaled for 90+ LFIs and around 50 TPPs. Targeting v3.0 early next year. 𝗖𝗼𝗻𝘀𝗲𝗻𝘁 𝗶𝘀𝗻'𝘁 𝗮 𝗳𝗲𝗮𝘁𝘂𝗿𝗲 𝗶𝗻 𝗢𝗽𝗲𝗻 𝗙𝗶𝗻𝗮𝗻𝗰𝗲. 𝗜𝘁'𝘀 𝘁𝗵𝗲 𝗰𝗼𝗻𝘁𝗿𝗼𝗹 𝘀𝘂𝗿𝗳𝗮𝗰𝗲. It proves what was shared, with whom, for how long, and executes revocation cleanly. Make that agentic and the bar for the infrastructure underneath rises sharply. At Perfios we've operated consent at that scale before, over a billion API calls a month in India's Account Aggregator ecosystem. Scoping your consent architecture? Our UAE team is happy to compare notes. Message us for a personalised consultation #OpenFinance #UAEBanking #Nebras #AgenticAI Perfios UAE | Pankaj Kathuria | Rahul Chaturvedi

📍 𝗣𝗲𝗿𝗳𝗶𝗼𝘀 × 𝗙𝗶𝗻𝘁𝗲𝗰𝗵 𝗧𝘂𝗲𝘀𝗱𝗮𝘆𝘀 | Business Breakfast: Open Finance, Unlocking the Next Frontier of Banking | 11 September, Dubai 𝗢𝗽𝗲𝗻 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗶𝗻 𝘁𝗵𝗲 𝗨𝗔𝗘 𝗵𝗮𝘀 𝘀𝘁𝗼𝗽𝗽𝗲𝗱 𝗯𝗲𝗶𝗻𝗴 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻. We brought together the regulator, the banks and the builders in Dubai, and the room delivered. 🎤 𝗞𝗲𝘆𝗻𝗼𝘁𝗲 - Jonathan Holman ( Nebras Open Finance LLC ) on why technology reshapes roles rather than replacing them, and where the agentic roadmap goes next. 💬 𝗙𝗶𝗿𝗲𝘀𝗶𝗱𝗲 Amit Malhotra ( ADIB - Abu Dhabi Islamic Bank) with Rahul Chaturvedi making the case that customer experience, not compliance, is the real test. 🎯 𝗣𝗮𝗻𝗲𝗹 - 𝗥𝗼𝘀𝘀 𝗚𝗮𝘃𝗶𝗻 𝗟𝗼𝗴𝗮𝗻 (Mashreq Digital), Amol K Bahuguna 🇮🇳 (EY), Gozde Demir (Wings Studio) and Perfios' Pankaj Kathuria , landing on the line of the morning: loyalty can no longer be enforced, only earned. Thank you to Fintech Tuesdays, to every speaker, and to everyone who joined us. 𝗧𝗵𝗲 𝗺𝗮𝗻𝗱𝗮𝘁𝗲 𝗶𝘀 𝘀𝗲𝘁𝘁𝗹𝗲𝗱. 𝗪𝗵𝗮𝘁 𝗲𝗮𝗰𝗵 𝗶𝗻𝘀𝘁𝗶𝘁𝘂𝘁𝗶𝗼𝗻 𝗱𝗼𝗲𝘀 𝗻𝗲𝘅𝘁 𝗶𝘀𝗻'𝘁. If you're working through that, message us. #OpenFinance #UAEBanking #FintechTuesdays #Nebras Perfios UAE

Would you accept a diagnosis based only on a clinical check-up? Or would you want the pathology, the X-ray, the MRI, and then a decision? That's how our MD & Group CEO Nitin Chugh explained alternative data to Sajeet Manghat from ET NOW at Global Fintech Fest 2026, and it lands better than any technical description of the thing. A loan application has always been read like a clinical check-up. The financials, the documents, whatever the borrower could produce. If you couldn't produce much, the answer was usually no. AI lets a lender look past the file at the world the borrower lives in. In a rural setting, Perfios reads 100 plus different signals, the nearest school, the nearest healthcare, education levels, how far the market is for selling produce, and builds a ranking of how that village is actually doing. Not a verdict on the borrower, but context an underwriter never had before. None of it replaces the financials. It sits on top of them, the way a scan sits on top of a check-up, and it matters most to the people who had the least to show on paper. Watch the full conversation below or visit: https://lnkd.in/gKWsge9S Perfios builds 𝐀𝐠𝐞𝐧𝐭𝐬 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐁𝐚𝐧𝐤 𝐎𝐧.

Every lender has a framework for deciding what to build and what to buy. Almost nobody follows it. The sharpest version came up at Global Fintech Fest 2026, on 𝐓𝐡𝐞 𝐋𝐞𝐧𝐝𝐢𝐧𝐠-𝐅𝐢𝐧𝐭𝐞𝐜𝐡 𝐏𝐨𝐰𝐞𝐫 𝐒𝐡𝐢𝐟𝐭 panel, moderated by our CBO Sridhar Narayan. Build for innovation, buy for parity, rent for applicability. Build to get ahead, buy to keep up, rent for the situation in front of you. Manish Lunia, Co-Founder of FlexiLoans, applies it strictly. He buys anything to do with pulling outside data, making sense of it, or catching fraud, and builds only where he'd own something worth owning. Vineet Sukumar, Founder & MD of Vivriti Capital, added that the answer shifts depending on who you're lending to, big corporate clients lean much further toward buying. 𝐒𝐨 𝐰𝐡𝐲 𝐝𝐨𝐞𝐬 𝐬𝐨 𝐦𝐮𝐜𝐡 𝐬𝐭𝐢𝐥𝐥 𝐠𝐞𝐭 𝐛𝐮𝐢𝐥𝐭 𝐢𝐧-𝐡𝐨𝐮𝐬𝐞? Rohit Taneja, Founder & CEO of Decentro, gave the most honest answer of the session, and it has nothing to do with strategy. Technology is at everyone's fingertips now, and good engineers don't want mundane work. Sometimes you build because otherwise the people who'd have built it leave. But that isn't the only way to give a team something worth working on. Madhusudan Ekambaram, CEO of KreditBee, described a hackathon they ran at a college: find a bug in our platform, your education loan is free. Students went at it properly, harder than any internal team would have, and it cost a fraction of building a testing function to do the same job. Which points somewhere useful. The choice isn't only make it or buy it. There's a third route the industry underuses: co-build, with the people who'll actually use the thing. Your team gets the interesting problem. You still get something that works. Whichever route you take, the harder test comes later. Most of what the industry is building on #AI today has yet to earn its keep. Build, buy, rent or co-build, the question that matters is which one gets you to something that pays for itself. Perfios builds 𝐀𝐠𝐞𝐧𝐭𝐬 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐁𝐚𝐧𝐤 𝐎𝐧.