About Perfios
Perfios is a financial analysis software from Perfios Software Solutions that provides data aggregation and analysis for individuals and businesses. It combines income computation, expense tracking, and report generation so users can gain insights into their financial health. Perfios supports various data sources including bank statements, mutual funds, and insurance policies, allowing for comprehensive financial reporting. The platform is designed to help users make informed financial decisions based on accurate and up-to-date information. Key capabilities: data aggregation expense categorization financial reporting real-time data updates multi-source integration Best for: individuals and businesses that need detailed financial analysis and reporting.
Perfios Software Solutions provides an AI-powered Operating System purpose-built for the BFSI sector, offering streamlined solutions for banks, NBFCs, and fintechs. Its comprehensive suite—including Document Analysers, VKYC, and Fraud Checks—leverages advanced AI to transform customer journeys, accelerating approvals, smoothing onboarding, and ensuring robust fraud protection. Global clients praise the system for its continuous improvement, seamless integration, and significant reduction in processing time, moving financial decision-making from manual analysis to strategic action. Innovations like CAM AI, which promises up to 85% faster underwriting, underscore the company's commitment to empowering customers across 18+ geographies and promoting global financial inclusion. Deployment is typically Cloud-Based (SaaS), leveraging an API-first design and platforms like OneSDK to ensure rapid and scalable integration into existing workflows. This modular approach allows for quick adoption of services like the Bank Statement Analyser and OneClick Onboarding, resulting in immediate operational benefits like reduced TAT and cost efficiency. The architecture is designed to be secure and enterprise-grade. Specific pricing details are not publicly available but are customised based on required features and scale of deployment (e.g., transactions, users).
Pros & Cons
- +Provides end-to-end fintech workflows from onboarding to credit decisioning, significantly reducing manual effort for financial institutions.
- +Trusted by over 1000 financial institutions across 18+ countries, demonstrating reliability and scalability at a global level.
- +Automates document processing and analytics, allowing faster and more accurate credit assessments and decision-making.
- +Modular architecture with flexible API integrations enables institutions to adopt only the features they need without overhauling systems.
- +Advanced fraud detection and behavioural analytics improve security without interrupting customer experiences.
- −May be over-engineered and unnecessarily complex for smaller businesses or non-BFSI organizations.
- −Advanced AI and analytics modules may require staff training to fully utilize the platform’s capabilities.
- −Regulatory compliance across multiple countries needs careful configuration, increasing setup complexity.
- −Certain modules and dashboards may have a steep learning curve for non-technical users.
- −Full dependence on vendor collaboration may be required for troubleshooting or optimizing advanced features.
Features
Key features
- Automated Document Analysis
- Extracts, curates, and analyzes financial and banking data from multiple sources for faster decision-making.
- Bank Statement Analyzer
- Converts bank statement data into actionable client insights to improve credit assessment efficiency.
- Digital Onboarding & Verification
- Facilitates KYC/KYB, VKYC, AI-enabled ID verification, video PD, and digital signature processes for seamless onboarding.
- Fraud Detection & Behavioural Analytics
- Identifies identity theft, account takeover, and suspicious behaviour without interrupting the customer journey.
- Credit Decisioning & Risk Assessment
- Automates credit evaluation and underwriting to support faster, data-driven lending decisions.
- Embedded Finance & API Integrations
- Offers modular SDKs and APIs for lending, embedded finance, and marketplace integrations.
- Consent Management & DPI Stack
- Provides secure and compliant infrastructure for customer data management and regulatory adherence.
Additional features
- Document Analyser
- Extracts and interprets financial documents to provide structured insights.
- Bank Statement Analyser
- Converts bank statements into credit-relevant data for underwriters.
- KYC/KYB & VKYC
- Verifies individual and business identities through AI-enabled checks and video PD.
- Liveness Detection & Video PD
- Ensures real-time user verification for secure onboarding.
- OCR & Digital Signature
- Reads and digitizes documents while enabling legally compliant e-signatures.
- OneClick Onboarding & OneSDK
- Streamlines customer onboarding by integrating multiple verification APIs.
- AI-Enabled ID Verification
- Uses AI to authenticate and verify government-issued IDs.
- PFM (Personal Finance Management)
- Provides a consolidated financial profile for customers and institutions.
- CAM (Credit Assessment & Management)
- Automates credit scoring, risk assessment, and underwriting workflows.
- LeadGen & Due Diligence
- Supports customer acquisition and background checks for individuals and businesses.
- Legal and Criminal Diligence
- Performs checks on legal records and criminal backgrounds.
- Document Tamper & Behavioural Check
- Detects document manipulation and unusual user behaviour.
- Trust Armour
- Provides anti-fraud tools for insurance and financial products.
- Health Insurance Fraud Detection
- Detects fraudulent insurance claims efficiently.
- Compliance Check
- Ensures adherence to regulatory requirements across BFSI processes.
- FIU++, FIP++, PCG
- Advanced financial intelligence, payment, and credit risk modules.
Pricing
Countries & Languages
Interface languages
Billing currencies
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About Perfios
Perfios is a financial analysis software from Perfios Software Solutions that provides data aggregation and analysis for individuals and businesses. It combines income computation, expense tracking, and report generation so users can gain insights into their financial health. Perfios supports various data sources including bank statements, mutual funds, and insurance policies, allowing for comprehensive financial reporting. The platform is designed to help users make informed financial decisions based on accurate and up-to-date information. Key capabilities: data aggregation expense categorization financial reporting real-time data updates multi-source integration Best for: individuals and businesses that need detailed financial analysis and reporting.
Perfios Details
Perfios's In-App Market Place
Does Perfios have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
1
Mini Apps
N/A
Pricing Options
Accepted Payment Currencies
USD ($), EUR (€), GBP (£), INR (₹), AUD (A$), CAD (C$), JPY (¥), CNY (¥), CHF (Fr), RUB (₽), BRL (R$), MXN (Mex$), SGD (S$)
Pros & Cons
- Provides end-to-end fintech workflows from onboarding to credit decisioning, significantly reducing manual effort for financial institutions.
- Trusted by over 1000 financial institutions across 18+ countries, demonstrating reliability and scalability at a global level.
- Automates document processing and analytics, allowing faster and more accurate credit assessments and decision-making.
- Modular architecture with flexible API integrations enables institutions to adopt only the features they need without overhauling systems.
- Advanced fraud detection and behavioural analytics improve security without interrupting customer experiences.
- May be over-engineered and unnecessarily complex for smaller businesses or non-BFSI organizations.
- Advanced AI and analytics modules may require staff training to fully utilize the platform’s capabilities.
- Regulatory compliance across multiple countries needs careful configuration, increasing setup complexity.
- Certain modules and dashboards may have a steep learning curve for non-technical users.
- Full dependence on vendor collaboration may be required for troubleshooting or optimizing advanced features.
Perfios's Support Options
Email Address
info@perfios.comPerfios's Alternatives
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