Perfios

𝐏𝐞𝐫𝐟𝐢𝐨𝐬 𝐡𝐚𝐬 𝐰𝐨𝐧 "𝐁𝐞𝐬𝐭 𝐅𝐢𝐧𝐭𝐞𝐜𝐡 𝐢𝐧 𝐁𝐚𝐧𝐤𝐢𝐧𝐠" 𝐚𝐭 𝐭𝐡𝐞 𝟒𝐭𝐡 𝐄𝐦𝐞𝐫𝐠𝐢𝐧𝐠 𝐀𝐬𝐢𝐚 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 𝐀𝐰𝐚𝐫𝐝𝐬, organized by the Indian Chamber of Commerce. What makes this one matter isn't the award itself, it's what it represents. Banking runs on trust, and trust is built quietly. It's not one big product launch or one clever feature. It's thousands of small decisions made correctly, over and over: a fraud check that catches what it should, a credit decision that's accurate at 2 am as much as at 2 pm, an integration that just works when a bank's systems are under pressure. That's the quiet, disciplined work this award is really about. So this one's for the teams who obsess over the parts nobody claps for - the edge cases, the uptime, the "let's just make sure this is right" conversations that happen a hundred times before a product ever reaches a customer. Grateful for the recognition. More grateful for the people who made this level of reliability look effortless. Suman Bhattacharya Mayank Gahlot Clari5 - A Perfios Company CreditNirvana - A Perfios Company IHX - A Perfios Company

In 1991, V.R Govindarajan tried to build something the world wasn't ready for. The idea was solid. The internet wasn't. At 22.4 kbps, the product had nowhere to go. That early lesson stayed with him, and years later, led him to co-found Perfios with Debasish Chakraborty, starting simply, to bring a person's scattered financial life into one clear view. The first seven years were about patience more than traction. Freemium conversions stayed under 4%. Attempt after attempt to find the right model kept teaching them something new. The company ran on a shoestring budget, and neither founder took a salary. Then came a shift in thinking that changed everything, one that turned Perfios from a consumer idea into something banks across India would eventually depend on. Today, Perfios powers over 90% of India's financial decisioning for 1000+ customers across more than 20 geographies, and is honoured to be backed by the likes of Warburg Pincus, Bessemer Venture Partners, and Kedaara Capital. But numbers were never really the point. Ask Govi, and he'll tell you it was always about waiting for the world to catch up. In a beautifully written feature by Shobhana Subramanian of Financial Express (India), VR Govindarajan opens up about the early struggles, the pivot that changed everything, and what he does with his time now that Perfios has arrived where it was always meant to. Read the full story here. https://lnkd.in/dk5BU458 Clari5 - A Perfios Company CreditNirvana - A Perfios Company IHX - A Perfios Company

20 years ago, we created a category. It redefined how lending decisions got made at scale. Turns out, we're not done creating. 𝐏𝐞𝐫𝐟𝐢𝐨𝐬 𝐢𝐬 𝐛𝐚𝐜𝐤 𝐚𝐭 Global Fintech Fest 𝟐𝟎𝟐𝟔, 𝐚𝐬 𝐚 𝐓𝐞𝐜𝐡𝐧𝐨𝐥𝐨𝐠𝐲 𝐏𝐚𝐫𝐭𝐧𝐞𝐫. 📅 Sept 9-11, 2026 📍Jio World Convention Centre, Mumbai AI is moving beyond just assisting, it's starting to take on real decision-making itself. That raises the one question BFSI can't ignore: what does it take to actually trust that shift? We've spent 20 years earning our place in this industry. This year, we bring that same conviction to what's next. More coming soon. 👀 Clari5 - A Perfios Company CreditNirvana - A Perfios Company IHX - A Perfios Company

The RBI’s draft guidance is an important step in recognising data governance as an enterprise-wide responsibility rather than only a technology or compliance function. Its real strength lies in its broad applicability across the financial ecosystem, from large commercial banks and NBFCs to small finance banks, payments banks, regional rural banks and co-operative institutions. This creates a common foundation for stronger data quality, ownership, security and accountability, while still allowing institutions to operationalise the expectations in line with their scale and complexity. As financial institutions become increasingly digital and AI-led, they must be able not only to protect data, but also to demonstrate how it is collected, used, shared and governed across its lifecycle. Integrated controls connecting data discovery, consent governance, access management and audit trails will therefore become critical. The framework is a timely move towards making data governance continuous, measurable and embedded into the operating architecture of institutions, irrespective of their size. Perfios

𝐁𝐚𝐧𝐤𝐬 𝐚𝐫𝐞 𝐛𝐞𝐜𝐨𝐦𝐢𝐧𝐠 𝐦𝐨𝐫𝐞 𝐭𝐞𝐜𝐡𝐧𝐨𝐥𝐨𝐠𝐲-𝐥𝐞𝐝. 𝐅𝐢𝐧𝐭𝐞𝐜𝐡𝐬 𝐚𝐫𝐞 𝐛𝐞𝐜𝐨𝐦𝐢𝐧𝐠 𝐦𝐨𝐫𝐞 𝐢𝐧𝐬𝐭𝐢𝐭𝐮𝐭𝐢𝐨𝐧𝐚𝐥𝐥𝐲 𝐦𝐚𝐭𝐮𝐫𝐞. 𝐓𝐡𝐞 𝐫𝐞𝐚𝐥 𝐬𝐭𝐨𝐫𝐲 𝐢𝐬 𝐰𝐡𝐞𝐫𝐞 𝐭𝐡𝐞𝐲 𝐦𝐞𝐞𝐭! In conversation with Business Standard, Nitin Chugh, MD & Group CEO, Perfios, reflects on how the relationship between banks and fintechs is evolving from competition to collaboration. As both move towards a digital-first, data-driven, compliant and customer-centric model, the next phase of growth will depend on more than innovation alone. Governance, resilience and operational trust will determine which partnerships endure. Alongside perspectives from industry leaders like Sanjay Mudaliar, Sugandh Saxena, Rohan Lakhaiyar, FRM and Raghuveer Kancherla, the discussion examines how risk, governance and trust are reshaping the financial services ecosystem. Read the full feature on the structural shift reshaping financial services.

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CKYC 2.0 is closer than it looks. The old paper-based process won't carry over. Perfios is already CKYC 2.0 ready. Book a demo to see how we can help you get there too. #CKYC #RegTech #FinancialCompliance #Perfios

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Most new-age frauds don't break verification systems. They walk straight through them. The gap isn't a missing check. It's that checks run in isolation. Each one passing independently, none of them talking to the others. Fraudsters exploit the space between them. This is what makes merchant onboarding one of the hardest fraud surfaces to defend. A mule account doesn't look fraudulent at the document layer. It looks fraudulent when you read the device signal, the email age, the business registration, and the account graph together, at the same time. Fragmented intelligence will always leave gaps. The architecture of defence matters as much as the checks within it. Swipe to see how a real attack was engineered and what closing the gap actually looks like. #Fintech #FraudPrevention #RiskIntelligence #MerchantRisk #Onboarding #KYC #PaymentsIndia

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