Industries · BFSI
The file is still on the desk. The customer isn't.
Plutonic builds BFSI software and AI for Indian banks, NBFCs, and wealth firms — KYC, sales desks, and portals tied to the core and CRM you already run.
- KYC is still a photocopy pile. Onboarding waits on a person opening PDFs
- The RM finds out the prospect went to the other NBFC — from the prospect
- Exceptions live in Excel that compliance already hates
- Monday MIS is a workbook someone built at 11pm on Sunday
Overview
What a branch and a risk desk actually need
Challenges
If this is your week, keep reading
The RM is digging while the prospect cools
Account, product, and last call live in three screens.
- Prep for the meeting is a scavenger hunt
- Support repeats the same KYC question
- The hot lead went cold between two systems
KYC is still a pile of PDFs
Manual checks delay activation and disagree from one officer to the next.
- Missing page found after the customer left the branch
- Same pack reviewed twice because there's no queue
- Decision notes live in email, not on the file
Ops risk hides in a spreadsheet
Exceptions have no owner, no trail, no SLA.
- Compliance asks who touched the file. Nobody knows
- Review aging shows up in the meeting, not on a phone
- Tally and the core don't match the MIS
The product is fine. The journey isn't.
Forms, OTPs, and a call centre that can't see status.
- Drop-off at the document upload
- Customer calls because the portal said pending
- Branch and digital treat the same application as two files
Solutions
What we put on the branch and the desk
Solution 01
The pack enters a queue, not a drawer
The mess
KYC, underwriting, and ops drown in PDFs and email.
What we put in
Extract, classify, and route with a person on the gate — tied to the file, not a side folder.
- Fields off the scan, checked by an officer
- Missing page before the slot is booked
- Trail compliance can open
Solution 02
A journey the customer can finish
The mess
Onboarding dies across forms and the call centre.
What we put in
Status, next step, and a secure hook into core — one file for branch and digital.
- Customer sees where the file sits
- Branch and app on the same application
- No 'we'll update the core later'
Solution 03
Answers from the handbook, not the internet
The mess
Teams want help. Uncontrolled answers are a risk event.
What we put in
Assistants over approved policy — citations, access, and a log. No freelance advice.
- Cited from your circulars
- Role-based. The intern doesn't see the credit memo
- Log of who asked what
Solution 04
Queues leadership can see today
The mess
MIS waits on Excel while exceptions grow.
What we put in
Aging, SLAs, and risk signals from the live file — not last night's dump.
- Exception list, not 40 charts
- Owner on the aging item
- Meeting starts with facts
Capabilities
What we actually build for banks, NBFCs, and wealth
01
Wealth screens customers will open
Portfolio, SIP, and market data that don't freeze when the index does.
- Holdings the RM and customer both see
- SIP and mandate in the journey
- Speed when the market is moving
02
Desk copilots with a person in charge
Summarise the account, draft the outreach, prep the next action — RM still sends it.
- Account brief before the call
- Draft the RM edits
- Nothing to the customer without a name
03
KYC off the scan, onto the file
Extract and check the pack. Officer on the edge case.
- Fields from the document
- Missing page flagged at the desk
- Human on the mismatch
04
Risk ops that is a case, not a thread
Summaries and evidence for the analyst — not an unsupervised decision.
- Case with an owner
- Evidence in the record
- Policy owner still decides
05
Portals with a real login
Statements, applications, service requests — authenticated, not a PDF email.
- Status the customer can see
- Request that becomes a ticket
- Branch and digital on one file
06
Discovery and controlled flows
Where you sell pre-IPO or similar — price visibility and a transaction path with brakes.
- Discovery without a leaky sheet
- Price the desk will defend
- Controls on the click
07
Core you already pay for
CRM, core, payments — wired carefully. Day one is not a rip-and-replace.
- Core stays
- CRM the RM will use
- No brittle one-off scripts as the plan
08
Access and a trail
Who opened the file, and when — for audit, not a slide.
- Role-based screens
- Log export compliance will take
- Least privilege, not a shared password
Use cases
Jobs a BFSI owner will pay for
Clear the KYC pile on one product
Pilot the pack queue on the product that hurts. Expand when TAT moves.
- One product, one branch set
- Officer on the gate from day one
- Roll out when activation time drops
Give the RM the file before the call
Account brief and next action on a phone — not three tabs and a prayer.
- Prep in minutes
- Draft the RM still owns
- Fewer dead follow-ups
Make exceptions a queue
Risk and ops work cases, not email threads.
- Owner and SLA on the item
- Trail on the file
- Less Excel that compliance hates
Kill the Sunday MIS
Aging and TAT to the phone, not a 40-tab workbook.
- Live queue
- Branch and digital together
- Meeting starts with facts
Recommended services
Where to start in our practice
Why it matters
Why BFSI teams stay with us
We talk files, not 'digital lending'
If we can't name the pack and the desk, we don't belong in the kickoff.
- TAT and aging
- Activation, not vanity funnel
- No buzzword kickoff
Control is in the build
Review, escalation, evidence — not a black box we promise to add later.
- Human on the credit call
- Log from day one
- Pilot on one product
We plug into the core you have
A portal that lives beside the core is a toy. We wire it in.
- No rip-and-replace as the pitch
- Branch + digital + ops
- Screens the RM will use
You can point at a number
Onboarding TAT, RM prep time, exception age — not 'AI adoption'.
- Baseline before we start
- One owner per metric
- Expand when it pays
Case studies
Related outcomes
FAQ
BFSI questions
We help the file, the pack, and the analyst. Automated decisioning only if your risk team owns the policy and says so in writing. We don't freelance credit.
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