Founded in 2008, Perfios is a global B2B SaaS TechFin serving the Banking, Financial Services and Insurance industry in 18 countries, empowering 1000+ Financial Institutions. Through its pioneering software platforms and products, Perfios helps Financial Institutions take big leaps by shaping their origination, onboarding, decisioning, underwriting and monitoring processes at scale and speed. Perfios delivers 8.2 Billion Data Insights to Financial Institutions every year to facilitate faster decisioning, and processes 2.2 Billion Transactions, significantly accelerating access to credit and financial services for their clients’ customers.

Headquartered in Bangalore, with key regional office in Kuala Lumpur, Malaysia, Perfios offers 75+ products and platforms and over 500 APIs.

Perfios’ core data platform is built to aggregate and analyze both structured and unstructured data, delivering vertical solutions that combine consented and public data for the BFSI sector while meeting stringent requirements on scale, performance, security, and SLAs.

With its rapid expansion in Southeast Asia, Vietnam has been identified as a strategic growth market for Perfios. The company is committed to bringing its global expertise and localized innovation to empower Vietnamese banks and insurers in their digital transformation journey.

With 18 years of deep domain expertise in financial services and banking, Perfios partners with 1,000+ banks across 19 countries worldwide, including Vietnam, and is recognized as a category creator in financial data analytics and credit assessment solutions. Perfios solutions are applied broadly to both Retail Banking and SME Banking, with a strong focus on underwriting and risk management.

1. Bank Statement Analyzer (BSA)

•     Automates data ingestion and analysis from bank statements.
•     Identifies income, expenses, cash flows, and suspicious transactions.
•     Reduces credit assessment time from days to just minutes.
•     Improves accuracy and enhances fraud detection.

2. Financial Statement Analytics (FSA)

•     Standardizes data across multiple financial statement formats.
•     Uses AI/ML to assess key financial metrics: revenue, profit, cash flow, leverage, etc.
•     Helps banks evaluate financial strength and creditworthiness.

3. NEXUS

•     Automates preparation of the credit assessment memo.
•     Ensures consistency, transparency, and minimizes human errors.
•     Saves time and enhances decision-making efficiency.

4. NEXUS AI – “ChatGPT for Underwriters”

•     A domain-specific AI Agent for financial services and banking.
•     Works like a “ChatGPT for underwriters”, supporting both underwriters and approvers in their daily tasks.
•     Does not rely on public/open data; instead, it is trained only on curated and bank-specific datasets.
•     Fully compliant with local regulations and tailored to each institution’s risk framework.
•     Underwriters can “chat” with CAM AI to analyze bank statements, financial reports, or identify risk red flags; approvers can leverage CAM AI to quickly review memos and validate them against risk guidelines before approval.

As a result, CAM AI accelerates credit assessment, reduces manual workload, and improves decision quality and consistency in underwriting processes.