FinnOne Neo® GA 8.5 | Advanced Digital Lending Enhancements

Transforming Digital Lending for Your Financial Institutions

What's New!!

Explore our most powerful and scalable release for Financial Institutions.

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FinnOne Neo® CAS

Robust Digital Lending for Superior Loan Origination Journeys.

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FinnOne Neo® LMS

Unlock Efficiency in Loan Servicing for Enhanced Customer Experience

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FinnOne Neo® Collections

Simplified and Intelligent Debt Collection Platform

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Streamlining Transaction Banking for Corporates.

FinnAxia® FSCM

Unlock Working Capital, Strengthen Relationships, Fuel Business Growth

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FinnAxia® Global Receivables

Simplify Collections. Strengthen Liquidity. Scale Confidently.

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An advanced technology platform, designed to deliver agile and efficient solutions while drastically reducing the cost of operations.

Corporate Lending

Enhanced Agility via Digitizing SME and Corporate Lending.

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Retail Lending

End-to-end digital lending across the entire lifecycle of origination, servicing & collections.

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Islamic Finance

Interest Free Banking Governed by Shariah Principles.

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Automotive Lending

Advanced Automotive Lending Software for complete loan life cycle management.

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Digital Transaction Banking suite that is modular for a composable banking experience.

Integrated Transaction Banking Suite – FinnAxia®

FinnAxia®, End-to-end Global Transaction Banking Suite; optimally manages Receivables, Payments, Liquidity, Financial Supply Chains and Corporate Trade.

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Ensure responsible Lending with our API-backed products for easy & seamless connectivity to the financial ecosystem.

FinnOne Neo® mFin

Easy, fast and digitized access to microcredit, anytime, anywhere.

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Payse®

An offline and online digital cash solution designed to democratize finance.

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Modern Technology Platform to Engage and Empower Customers.

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FinnOne Neo® GA 8.5 Brings the Most Powerful and Flexible Release for Financial Institutions

Built to Keep You Ahead

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Australia Australia
Austria Austria
Bahrain Bahrain
Bangladesh Bangladesh
Belgium Belgium
Brazil Brazil
Cambodia Cambodia
Chile Chile
China China
Colombia Colombia
Egypt Egypt
France France
Germany Germany
India India
Indonesia Indonesia
Italy Italy
Japan Japan
Jordan Jordan
Kenya Kenya
Lebanon Lebanon
Malaysia Malaysia
Mauritius Mauritius
Mexico Mexico
Netherlands Netherlands
Nigeria Nigeria
Oman Oman
Palestine Palestine
Philippines Philippines
Qatar Qatar
Saudi Arabia Saudi Arabia
Singapore Singapore
Spain Spain
Switzerland Switzerland
Thailand Thailand
UAE UAE
United Kingdom United Kingdom
United States United States
Vietnam Vietnam
Zimbabwe Zimbabwe
FinnOne Neo GA 8.5 as an advanced lending platform release

Faster Credit. Safer Lending. Trusted Relationships

FinnOne Neo® GA 8.5 puts the power of the responsible AI in your hands.

It helps banks and NBFCs move faster by eliminating bottlenecks across origination, loan management, and collections. With AI-driven automation, seamless integrations, and data-powered insights, your teams can focus on growth, compliance, and customer trust.

In-Built Artificial Intelligence for an Effortless Lending

Blur Detection for Flawless Document Capture

Blur Detection for Flawless Document Capture

Ensures every uploaded document is instantly analyzed for sharpness using AI-driven blur detection. Customers receive real-time prompts to retake unclear images, preventing delays, resubmissions, and verification failures—leading to smoother onboarding and uninterrupted loan processing.

Smart Document Classification and Auto-Mapping

Smart Document Classification and Auto-Mapping

Automatically identifies document types such as identity, income, and banking proofs and maps extracted information into the correct form fields. This eliminates manual sorting, reduces errors, shortens onboarding time, and significantly improves operational accuracy across teams.

Conversational Sentiment 360 for Collections

Conversational Sentiment 360 for Collections

Analyzes every customer call for tone, sentiment, intent to pay, agent behavior, and actionable next steps. Auto-generated summaries help collectors focus on outcomes, personalize conversations, and execute smarter follow-ups that directly improve recovery rates.

Speech-to-Text for Field Collections

Speech-to-Text for Field Collections

Empowers field agents to simply speak their updates instead of typing long remarks. AI converts speech into structured notes instantly, increasing daily case coverage, improving accuracy, and ensuring timely data capture even during on-ground travel.

Intelligent OCR With Data Interpretation

Intelligent OCR With Data Interpretation

Extracts key customer and financial details from uploaded documents with high precision, including names, addresses, KYC details, and income fields. AI interprets context, validates structure, and reduces the need for manual corrections while ensuring compliant and uniform data capture.

Multilingual AI Visual SOA Generation

Multilingual AI Visual SOA Generation

Transforms complex loan statements into visual, intuitive, language-friendly summaries. Customers receive graphical insights on dues, interest, repayments, and overdue amounts in their preferred language, enhancing transparency and reducing branch queries across diverse regions.

Smart Notes and Real-Time Call Summaries

Smart Notes and Real-Time Call Summaries

Replaces manual note-taking with AI-generated call summaries that capture disputes, commitments, promises to pay, and interaction context instantly. This boosts agent productivity, minimizes after-call work, and improves record accuracy for compliance and dashboards.

Behavioral Risk Scoring for Early Delinquency

Behavioral Risk Scoring for Early Delinquency

Uses demographic, transactional, and behavioral parameters to compute repayment behavior scores. Helps institutions identify customers at early risk, segment portfolios, personalize repayment strategies, and reduce NPAs proactively rather than reactively.

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What’s Inside GA 8.5?

FinnOne Neo® Customer Acquisition System (CAS)

Accelerate onboarding, reduce risks, and deliver seamless customer journeys.
All while staying fully compliant.

Accelerate onboarding, reduce risks, and deliver seamless customer journeys.

Launch Loan Products in Minutes





Bring new products to market with AI-powered, plug-and-play configuration kits for retail and SME loans. Eliminate months of coding and manual setup  instead, design, test, and launch tailored loan offerings in days, not weeks.

Instant Digital Payment Link Workflow

Enables generating and sending secure digital payment links directly to customers, allowing seamless fee or charge collection. Automated status updates eliminate manual reconciliation, accelerate onboarding, and significantly reduce operational effort. Customers complete payments instantly with complete transparency and convenience.

Automated Credit Bureau Decisioning


Provides end-to-end digital credit bureau checks with automated report retrieval, history tracking, and standardized outputs. Institutions gain faster decisioning, reduced manual work, and improved underwriting accuracy through a completely digital, auditable, and compliant bureau evaluation experience.

Disbursal Without Delays or Paperwork

Accelerate loan disbursals with secure digital signing and instant e-stamping – eliminating manual bottlenecks while ensuring every transaction is legally valid, regulator-approved, and audit-ready.

Integrated Fraud Risk Screening

Enhances onboarding security through real-time risk scoring and anomaly detection using data-driven behavioral insights. The system flags suspicious profiles instantly, reducing fraud exposure, supporting stronger compliance controls, and improving overall portfolio quality.

Sharia-Compliant Credit Card Origination

Supports end-to-end onboarding and issuance of Islamic credit cards using commodity-based structures, digital card generation, and configurable validations. Integrated workflows streamline processing, ensure Sharia compliance, and improve adoption of modern Islamic card products.

Launch Loan Products in Minutes

Bring new products to market with AI-powered, plug-and-play configuration kits for retail and SME loans. Eliminate months of coding and manual setup instead, design, test, and launch tailored loan offerings in days, not weeks.

Instant Digital Payment Link Workflow

Enables generating and sending secure digital payment links directly to customers, allowing seamless fee or charge collection. Automated status updates eliminate manual reconciliation, accelerate onboarding, and significantly reduce operational effort. Customers complete payments instantly with complete transparency and convenience.

Automated Credit Bureau Decisioning


Provides end-to-end digital credit bureau checks with automated report retrieval, history tracking, and standardized outputs. Institutions gain faster decisioning, reduced manual work, and improved underwriting accuracy through a completely digital, auditable, and compliant bureau evaluation experience.

Disbursal Without Delays or Paperwork

Accelerate loan disbursals with secure digital signing and instant e-stamping – eliminating manual bottlenecks while ensuring every transaction is legally valid, regulator-approved, and audit-ready.

Integrated Fraud Risk Screening

Enhances onboarding security through real-time risk scoring and anomaly detection using data-driven behavioral insights. The system flags suspicious profiles instantly, reducing fraud exposure, supporting stronger compliance controls, and improving overall portfolio quality.

Sharia-Compliant Credit Card Origination

Supports end-to-end onboarding and issuance of Islamic credit cards using commodity-based structures, digital card generation, and configurable validations. Integrated workflows streamline processing, ensure Sharia compliance, and improve adoption of modern Islamic card products.

FinnOne Neo® Loan Management System (LMS)

Reimagine loan servicing with AI-driven insights and API-enabled agility – ensuring zero downtime,
compliant repayments, operational efficiency, and deeply personalized borrower experiences.

Reimagine loan servicing with AI-driven insights and API-enabled agility

End-to-End Co-Lending Management

Provides configurable partner share rules, dual accounting, split schedules, lender-specific statements, and dynamic partner onboarding. This enables compliant, scalable, and efficient co-lending operations with complete transparency.

Automated eMandate Setup on Onboarding

Trigger UPI/eMandate creation through APIs at onboarding. Streamline repayments and increase first-time collection success rates.

Dynamic Fees and Charges Configuration

Easily configure and update fee rules based on AI-driven risk bands,, customer profile, or channel – without hardcoding or IT dependency.

Chargeback Resolution Made Transparent

Leverage LMS with AI-powered tracking and dispute management. Gain faster turnaround times, deeper visibility, and greater operational control through intelligent automation.

Partial Gold Release

Supports releasing a portion of pledged gold based on repayment amount, valuation, and LTV thresholds. This improves customer experience, enhances collateral management accuracy, and eliminates manual workarounds previously required for partial releases.

Instant Digital Customer ID Verification

Enables real-time, API-driven Customer ID validation during post-disbursal updates. This improves accuracy, accelerates verification workflows, and ensures traceable, compliant identity validation.

End-to-End Co-Lending Management

Provides configurable partner share rules, dual accounting, split schedules, lender-specific statements, and dynamic partner onboarding. This enables compliant, scalable, and efficient co-lending operations with complete transparency.

Automated eMandate Setup on Onboarding

Trigger UPI/eMandate creation through APIs at onboarding. Streamline repayments and increase first-time collection success rates.

Dynamic Fees and Charges Configuration

Easily configure and update fee rules based on AI-driven risk bands,, customer profile, or channel – without hardcoding or IT dependency.

Chargeback Resolution Made Transparent

Leverage LMS with AI-powered tracking and dispute management. Gain faster turnaround times, deeper visibility, and greater operational control through intelligent automation.

Partial Gold Release

Supports releasing a portion of pledged gold based on repayment amount, valuation, and LTV thresholds. This improves customer experience, enhances collateral management accuracy, and eliminates manual workarounds previously required for partial releases.

Instant Digital Customer ID Verification

Enables real-time, API-driven Customer ID validation during post-disbursal updates. This improves accuracy, accelerates verification workflows, and ensures traceable, compliant identity validation.

FinnOne Neo® Collections

Enhance recovery rates, empower agents, and build stronger borrower relationships.

Enhance recovery rates, empower agents, and build stronger borrower relationships

Understand Customer Sentiment Instantly

Leverage AI that listens, interprets, and detects customer emotions and payment intent – enabling smarter prioritization, faster resolutions, and reduced bounce rates

Controlled Cash Collection Limits

Provides user-level cash limits with approval-based enhancements and mandatory deposit cycles. This reduces fraud risk, strengthens audit controls, and ensures disciplined field collections.

Real-Time Collateral Delinking

Automatically updates collateral status and blocks actions on released assets. This prevents erroneous repossessions, improves compliance, and safeguards customer trust.

Arabic UI for Regional Teams

Empower Middle East agents with an Arabic-first interface – ensuring seamless usability, faster navigation, and higher accuracy in collections.
Modernized Collections Tech Stack

Upgrades the collections platform with a modern database, improved security layers, optimized performance, and support for the latest mobile OS versions, ensuring higher stability and scalability.

Secure PCI-Compliant Data Handling
Ensures payment card information is masked and encrypted throughout the collections process. This enhances data security, avoids compliance breaches, and safeguards customer trust.

Understand Customer Sentiment Instantly

Leverage AI that listens, interprets, and detects customer emotions and payment intent – enabling smarter prioritization, faster resolutions, and reduced bounce rates

Controlled Cash Collection Limits

Provides user-level cash limits with approval-based enhancements and mandatory deposit cycles. This reduces fraud risk, strengthens audit controls, and ensures disciplined field collections.

Real-Time Collateral Delinking

Automatically updates collateral status and blocks actions on released assets. This prevents erroneous repossessions, improves compliance, and safeguards customer trust.

Arabic UI for Regional Teams

Empower Middle East agents with an Arabic-first interface – ensuring seamless usability, faster navigation, and higher accuracy in collections.

Modernized Collections Tech Stack

Upgrades the collections platform with a modern database, improved security layers, optimized performance, and support for the latest mobile OS versions, ensuring higher stability and scalability.

Secure PCI-Compliant Data Handling

Ensures payment card information is masked and encrypted throughout the collections process. This enhances data security, avoids compliance breaches, and safeguards customer trust.

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Smarter Lending Awaits You
Upgrade to FinnOne Neo® 8.5

Because Your Customers Expect More

Launch Products Faster

Launch Products Faster

Roll out new loan products quickly with ready-to-use configuration kits and templates, giving you a competitive edge.

Stay Effortlessly Compliant 

Stay Effortlessly Compliant 

Ensure regulatory compliance from day one with built-in support for both global and local guidelines.

Cut Costs with Automation

Cut Costs with Automation

Lower operating expenses by automating routine decisions and processes across the loan lifecycle.

Deliver Seamless Borrower Journeys

Deliver Seamless Borrower Journeys

Enhance customer experience with digital signing, instant verification, and real-time updates.

Scale with Confidence

Scale with Confidence

Handle millions of transactions daily with FinnOne Neo®’s proven reliability and enterprise-grade scalability.

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Transforming Banking Worldwide

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Financial Institutions Using FinnOne Neo®

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Our Customer Speaks

The Orbit Shifting Talks | Episode 1: In Conversation with Pavan K Gupta, CEO – Muthoot Housing Finance Company Limited

Welcome to The Orbit Shifting Talks by Nucleus Software - a series where visionary leaders and innovators share insights shaping the future of finance and technology.In this first episod...

Shaping the Future of Banking: Parag Bhise, CEO, Nucleus Software on Product-Led Innovation and AI Agility | Sibos 2025 Podcast

In this exclusive interview with Financial IT, Parag Bhise, CEO and Executive Director of Nucleus Software, shares a blueprint for the next wave of innovation in global banking.Discover ...

Reimagining Lending for a Digital Future: Parag Bhise, CEO, Nucleus Software | The CXO Conversations at IFF 2025

As financial ecosystems evolve, Nucleus Software continues to lead with purpose and innovation. In this special episode of The CXO Conversations, recorded live at IFF 2025, ...

MB Bank’s Bold Bet on AI: Shaping the Future of Banking in Vietnam

Innovation. Intelligence. Impact. In an exclusive dialogue hosted by Nucleus Software, Bui Thi Mien, Deputy CRO at MB Bank, reveals how Artificial...

Vietnam’s Digital-First Banking Revolution Has a New Engine: Gen Z + AI

Explore how MB Bank and Nucleus Software's AI-driven digital lending platform FinnOne Neo® are transforming Southeast Asia’s fastest-growing financi...

More Than a Tech Partner: Deem Finance’s CEO on Trust, Innovation & Strategic Value with Nucleus Software

In this exclusive video, Mr. Chris Taylor, CEO of Deem Finance, offers a firsthand account of the powerful and strategic partnership between Deem Finance and Nucleus...

AI-Powered Lending: Mahindra Home Finance’s Vision with Nucleus Software

Artificial Intelligence (AI) is reshaping the lending landscape, offering unparalleled opportunities for efficiency and precision. In this exclusive testimonial, Mr. Pankaj Verma, Head of Credit at M...

AI-Driven Lending: Ambit Finvest’s Transformational Journey with Nucleus Software

Artificial Intelligence (AI) is not about replacing people—it’s about empowering them. As financial institutions embrace digital transformation, AI is emerging as a key enabler of efficiency, decision-making...

Generative AI in Action: Cholamandalam’s Vision for Smarter Lending with Nucleus Software

Artificial Intelligence (AI) is no longer just an emerging trend - it is becoming mainstream, transforming financial services with automation and data-driven insights. In this exclusive test...

AI-Powered Lending: DCB Bank’s Vision for the Future with Nucleus Software

Artificial Intelligence (AI) is rapidly evolving, transforming banking operations and customer engagement at an unprecedented pace. Mr. Narendranath Mishra, Head of Retail & Agri Loans at DCB Ban...

AI-Driven Transformation: Cholamandalam’ s Journey with Nucleus Software

Artificial Intelligence (AI) is driving the next wave of innovation, bringing automation to the forefront of both business and IT operations. In this exclusive testimonial, Mr. Santhi Swaroop Mohanty...

Driving Financial Inclusion: Mahindra Home Finance’s Digital Transformation with Nucleus Software

The demand for digitized financial services is growing rapidly, bringing convenience and accessibility to people across regions. Mr. Sourabha Kolhapure, CTO, Mahindra Home Finance,

Mr. Sunil Kapoor, MD of Roha Housing Finance Speaks on Digitizing Business with FinnOne Neo® Cloud

Mr. Sunil Kapoor, Managing Director of Roha Housing Finance talks about digitizing the mortgage business, his experience with Nucleus F...

Revolutionizing Digital Lending –
Mr. Anirban Ghosh on Mirae Asset Financial Services Innovative Journey

Watch Mr. Anirban Ghosh, Chief Risk Officer at Mirae Asset Financial Services, sharing insights into their groundbreaking

Innovative Approach & Future of Lending – Nucleus Software Revolutionizes ICICI Home Finance’s Digital Transformation

Watch Mr. Amit Bhatia, Head of IT Business Solutions at ICICI Home Finance, share his insights on the seamless integration of FinnOne Neo® with their core banking platform. This ...

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Our Success Stories in Financial Institutions

Upgrade to FinnOne Neo® 8.5 Because Growth Won’t Wait.

Book a Demo

Upgrade to FinnOne Neo® 8.5
Because Growth Won’t Wait.

Book a Demo
Power Your Digital Lending with the Latest Version of FinnOne Neo® 8.5.
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