Fexo launches an AI-powered system that helps banks and financial institutions process loan data faster, detect risks early, and make accurate lending decisions while ensuring compliance and reducing manual workload.
New Delhi, 12th March, 2026: Fexo, a BFSI-focused AI intelligence platform, today announced the launch of its proprietary AI Decisioning engine for business loans. The new system is designed to help banks, NBFCs, financial services providers accelerate AI adoption across document, scans & voice–heavy business lending processes by providing higher-quality decision ready insights while maintaining auditability and compliance.
As financial institutions scale AI across operations, Fexo’s platform converts unstructured, multi-modal data into structured decision-ready intelligence, enabling faster, auditable and cost-efficient decisioning at scale. The platform is engineered specifically for regulated environments where traceability, accuracy and policy alignment are critical.
Purpose-built for financial enterprises, the platform processes complex financial and commercial documents of enterprises including financial statements, ITRs, bank and GST statements, call logs, credit reports, investor transcripts, invoices, photographs, scanned records, whether printed or handwritten, in English or vernacular languages. It cross-references data across sources and transforms it into standardized, policy-aligned outputs integrated with configurable enterprise workflows.
At a time when loan fraud in India has surged, with RBI data indicating a 229% rise to over ₹33,000 crore in FY25, early-stage intelligence is becoming critical. Fexo’s platform is designed to detect discrepancies and risk signals at the origination stage itself, helping institutions strengthen fraud prevention and reduce downstream NPAs. In one live deployment, a client that was initially inclined to approve a borrower based on quantitative financial spreads identified major risk flags after processing documents through Fexo, ultimately choosing not to proceed with the loan. The platform’s ability to cross-reference data across multiple documents and surface inconsistencies enables lenders to identify potential fraud risks much earlier in the credit lifecycle.
“Financial institutions don’t need generic AI, they need decision-ready intelligence aligned with regulation with auditability and resilience,” said Kaustubh K, Founder & CEO of Fexo. “Our platform removes document bottlenecks and enables faster, evidence-backed decisions for first-mile interactions helping clients scale rapidly without increase in headcounts.”
“Accuracy and traceability are non-negotiable in finance,” added Sajal Gupta, Co-Founder & Director. “Domain-trained AI is essential for institutions deploying AI in regulated workflows.”
At the core of the system is FexoLM, the company’s proprietary agentic AI model trained exclusively on BFSI documents. Unlike general-purpose AI models, FexoLM delivers domain-specific, source-linked and deterministic outputs suited for regulated environments. The company reports over 98% accuracy in extraction, classification and contextual inferencing across PDFs, scans, voice logs and images, supported by full audit trails. The platform has already automated multiple high-friction workflows including business loan origination and monitoring, KYC/KYB verification, property-based lending, audit and compliance reviews, IndAS checks and invoice automation.
To date, Fexo has processed approximately 5,000 documents across client deployments, supporting decision flows estimated at around ₹50 crore in value. The company has outlined an aggressive scale roadmap for the next 12 months, targeting 200,000 documents processed and 12 to 15 live enterprise clients as AI adoption in regulated lending accelerates.
Enterprise-ready with APIs for integration, and with outcome based subscriptions model, the platform can go live within a day and delivers immediate, training-free usability. In business lending workflows where manual document review typically takes anywhere from two days to two weeks depending on case complexity, Fexo’s platform can process and structure data in under 10 minutes, after which the lender’s internal credit appraisal timelines apply. Its architecture supports secure and compliant implementation, including zero-egress environments, helping institutions meet regulatory and data privacy requirements. Fexo is ISO/IEC 27001:2022 certified and is expanding deployments across banks, NBFCs and regulated financial institutions.
Looking ahead, Fexo plans to deepen its domain-trained AI capabilities and expand workflow coverage across credit, risk, compliance ecosystems, positioning its AI Decisioning engine as a foundational intelligence layer for hyper-scaling business lending for regulated financial entities.
About Fexo
Fexo is a BFSI-focused AI intelligence platform building enterprise-grade private AI solutions for financial institutions. Its proprietary agentic model, FexoLM, is trained exclusively on financial and commercial documents, to transform unstructured data into structured, decision-ready intelligence.
The platform supports high-volume workflows across lending, audit, compliance and invoice automation. Designed for regulated environments, Fexo delivers consistent, auditable, secure and scalable AI outputs. The company is ISO/IEC 27001:2022 certified and works with banks, NBFCs and financial institutions.
For more information, visit: https://fexo.io
