FinnOne Neo® GA 9.0 | AI-Powered Digital Lending Platform

Transforming Digital Lending for Your Financial Institutions

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Compare World-class, Industry-defining Features Today.

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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.

Gold Lending

Manage the complete gold loan lifecycle through a single digital platform.

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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 9.0 Brings AI-Powered Lending Intelligence, Built for Agility, Designed for Resilience

Built to Keep You Ahead

FinnOne Neo® GA 9.0 Digital Lending Platform Showcasing the Next Generation of AI-powered Lending

Lead the Next Era of Digital Lending

FinnOne Neo® GA 9.0 puts AI-powered Lending intelligence for every lending decision and NBFCs move faster by eliminating bottlenecks across origination, loan management, and collections.

AI-First Lending, Built for the Future of Finance

Intelligence embedded across the lending lifecycle to help banks make faster, smarter, and more confident decisions.

AI-Driven Credit Decisioning

AI-Driven Credit Decisioning

Strengthen credit decisions with intelligent data analysis, enabling faster approvals, improved risk assessment, and greater consistency across lending operations.

Customer Interaction Intelligence

Customer Interaction Intelligence

Understand customer intent and engagement patterns to enable more personalized communication, improve collections effectiveness, and enhance customer experience.

Intelligent Risk Insights

Intelligent Risk Insights

Leverage customer behaviour and transaction patterns to identify potential repayment risks early, supporting proactive portfolio management.

Predictive Collections Intelligence

Predictive Collections Intelligence

Anticipate repayment challenges and empower collection teams with timely insights that help improve recovery outcomes.

Digital Payment Experience

Digital Payment Experience

Offer customers the convenience of repaying through their preferred digital payment channel. Support faster collections with a wide range of secure payment options designed to improve repayment success and customer experience.

Intelligent Statement Experience

Intelligent Statement Experience

Deliver multilingual, visual account statements that improve customer understanding, encourage self-service, and enhance engagement.

Interactive Business Intelligence

Interactive Business Intelligence

Access real-time dashboards and actionable insights that help teams monitor performance, identify trends, and make informed business decisions.

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What’s Inside GA 9.0?

FinnOne Neo® Customer Acquisition System (CAS)

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

FinnOne Neo® GA 9.0 Customer Acquisition System Enhancements for Digital Lending, Compliance, and Loan Origination

Business Expansion Across Lending

Expand lending capabilities with enhanced support for Financial Accounting System (FAS), Co-Lending, Omni Loan, and Gold Loan processes, enabling banks to serve a broader range of lending products with greater operational efficiency.

Corporate Lending Excellence

Strengthen corporate and SME lending with facility-level enhancements that streamline workflows, improve credit processing, and support more complex business lending requirements.

DPDP-Compliant Consent Management

Support compliance with the Digital Personal Data Protection (DPDP) Act through an Interface Consent Mechanism that enables secure, transparent, and auditable customer consent management.

Gold Loan Regulatory Enhancements

Stay aligned with evolving regulatory requirements through enhancements that strengthen compliance, operational consistency, and processing efficiency for gold loan products.

Inclusive Lending Support

Enable lending for Persons with Disabilities (PwD) with built-in support that helps financial institutions meet regulatory requirements while promoting greater financial inclusion.

ANZ Regional Enhancements & Modern Experience

Deliver an improved experience for the ANZ market through regional functional enhancements and a refreshed, intuitive user interface designed to simplify operations and improve productivity.

Business Expansion Across Lending

Expand lending capabilities with enhanced support for Financial Accounting System (FAS), Co-Lending, Omni Loan, and Gold Loan processes, enabling banks to serve a broader range of lending products with greater operational efficiency.

Corporate Lending Excellence

Strengthen corporate and SME lending with facility-level enhancements that streamline workflows, improve credit processing, and support more complex business lending requirements.

DPDP-Compliant Consent Management

Support compliance with the Digital Personal Data Protection (DPDP) Act through an Interface Consent Mechanism that enables secure, transparent, and auditable customer consent management.

Gold Loan Regulatory Enhancements

Stay aligned with evolving regulatory requirements through enhancements that strengthen compliance, operational consistency, and processing efficiency for gold loan products.

Inclusive Lending Support

Enable lending for Persons with Disabilities (PwD) with built-in support that helps financial institutions meet regulatory requirements while promoting greater financial inclusion.

ANZ Regional Enhancements & Modern Experience

Deliver an improved experience for the ANZ market through regional functional enhancements and a refreshed, intuitive user interface designed to simplify operations and improve productivity.

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.

FinnOne Neo® GA 9.0 Loan Management System Enhancements for Compliance, Payments, Collections, and Loan Servicing

Continuous OFAC Compliance Monitoring

Automate sanctions screening through continuous monitoring and alerts, enabling faster risk identification, stronger compliance adherence, and reduced regulatory exposure.

Receipt Lock Controls

Restrict selected payment channels to improve repayment discipline, reduce operational inefficiencies caused by repeated failures, and strengthen collections effectiveness.

Rule 78 Interest Computation

Support front-loaded interest calculations required by specialized lending products while maintaining accuracy, compliance, and operational consistency.

Credit Bureau Integration

Consolidate bureau information into unified borrower profiles, enabling stronger credit assessments, improved decision-making, and enhanced regulatory compliance.

AutoPay Registration

Enable secure recurring payment setup through card and ACH channels, reducing missed payments while improving repayment consistency and customer convenience.

AutoPay Closure

Support secure and compliant closure of recurring payment mandates, improving governance, customer trust, and payment lifecycle management.

Differential Interest Optimization

Calculate interest based on actual outstanding balances, improving transparency, repayment accuracy, and customer benefit realization.

Temporary Payment Reduction Management

Optimize payment allocation during moratorium periods, improving principal reduction, recovery efficiency, and portfolio performance without compromising borrower flexibility.

Bankruptcy Restructuring Automation

Simplify distressed asset management through automated principal adjustment and repayment schedule regeneration, improving recovery outcomes and operational efficiency.

Multiple Instrument Processing

Allow parallel instrument processing to improve operational efficiency, reduce bottlenecks, and accelerate payment handling workflows.

Subsequent Disbursal Processing

Enable independent handling of subsequent disbursals, reducing operational delays and improving customer experience during fund releases.

Continuous OFAC Compliance Monitoring

Automate sanctions screening through continuous monitoring and alerts, enabling faster risk identification, stronger compliance adherence, and reduced regulatory exposure.

Receipt Lock Controls

Restrict selected payment channels to improve repayment discipline, reduce operational inefficiencies caused by repeated failures, and strengthen collections effectiveness.

Rule 78 Interest Computation

Support front-loaded interest calculations required by specialized lending products while maintaining accuracy, compliance, and operational consistency.

Credit Bureau Integration

Consolidate bureau information into unified borrower profiles, enabling stronger credit assessments, improved decision-making, and enhanced regulatory compliance.

AutoPay Registration

Enable secure recurring payment setup through card and ACH channels, reducing missed payments while improving repayment consistency and customer convenience.

AutoPay Closure

Support secure and compliant closure of recurring payment mandates, improving governance, customer trust, and payment lifecycle management.

Differential Interest Optimization

Calculate interest based on actual outstanding balances, improving transparency, repayment accuracy, and customer benefit realization.

Temporary Payment Reduction Management

Optimize payment allocation during moratorium periods, improving principal reduction, recovery efficiency, and portfolio performance without compromising borrower flexibility.

Bankruptcy Restructuring Automation

Simplify distressed asset management through automated principal adjustment and repayment schedule regeneration, improving recovery outcomes and operational efficiency.

Multiple Instrument Processing

Allow parallel instrument processing to improve operational efficiency, reduce bottlenecks, and accelerate payment handling workflows.

Subsequent Disbursal Processing

Enable independent handling of subsequent disbursals, reducing operational delays and improving customer experience during fund releases.

FinnOne Neo® Collections

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

FinnOne Neo® GA 9.0 Collections Enhancements for Intelligent Recovery, Payment Automation, and Compliance

PTP Default Prediction

Predict the likelihood of promise-to-pay commitments being broken before the due date, enabling proactive follow-up, better case prioritisation, and improved recovery outcomes.

Concurrent Case Access Control

Prevent conflicting recovery actions by coordinating case access across teams, improving operational transparency, accountability, and workflow consistency.

Unified Digital Payment Experience

Offer customers a seamless digital repayment experience through multiple payment options, including QR codes, cards, bank transfers, and other locally supported payment methods, all managed through a single configurable collections interface.

Activity Tracking & Audit Visibility

Capture end-to-end activities performed by collections users, strengthening operational transparency, audit readiness, compliance, and performance oversight.
Region-Based Repossession Workflows
Configure repossession workflows to align with regional business practices and operational requirements, ensuring consistent execution across markets.
Intelligent Repossession Assessment
Support structured asset inspection, valuation, and recovery assessment before repossession, enabling informed decisions and maximising recovery value.
Time Zone Visibility & Contact Control
Provide collections users with visibility into customers’ local time zones while ensuring outreach occurs only during permitted contact hours. Support effective engagement across regions while meeting regulatory and compliance requirements.
Always-On System Availability
Maintain uninterrupted collections operations, including during end-of-day and batch processing windows, ensuring continuous system availability, higher productivity, and uninterrupted customer servicing.

PTP Default Prediction

Predict the likelihood of promise-to-pay commitments being broken before the due date, enabling proactive follow-up, better case prioritisation, and improved recovery outcomes.

Concurrent Case Access Control

Prevent conflicting recovery actions by coordinating case access across teams, improving operational transparency, accountability, and workflow consistency.

Unified Digital Payment Experience

Offer customers a seamless digital repayment experience through multiple payment options, including QR codes, cards, bank transfers, and other locally supported payment methods, all managed through a single configurable collections interface.

Activity Tracking & Audit Visibility

Capture end-to-end activities performed by collections users, strengthening operational transparency, audit readiness, compliance, and performance oversight.

Region-Based Repossession Workflows

Configure repossession workflows to align with regional business practices and operational requirements, ensuring consistent execution across markets.

Intelligent Repossession Assessment

Support structured asset inspection, valuation, and recovery assessment before repossession, enabling informed decisions and maximising recovery value.

Time Zone Visibility & Contact Control

Provide collections users with visibility into customers' local time zones while ensuring outreach occurs only during permitted contact hours. Support effective engagement across regions while meeting regulatory and compliance requirements.

Always-On System Availability

Maintain uninterrupted collections operations, including during end-of-day and batch processing windows, ensuring continuous system availability, higher productivity, and uninterrupted customer servicing.

Functional Architecture

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

FinnOne Neo® GA 9.0 Functional Architecture Enhancements for Platform Security, Authentication, Document Management, and User Experience

Interactive Dashboard Enhancements

Empower users with richer historical insights, automated reporting, and seamless navigation from dashboards to business workflows for faster decision-making.

Multi-Image PDF Generation

Convert multiple image documents into a single PDF automatically, simplifying digital document processing and e-signature readiness.

SMS OTP Priority

Improve authentication reliability by identifying OTP messages separately, enabling communication partners to prioritize critical customer authentication requests.

User Signature Capture

Digitally capture and manage user signatures for automated insertion into communications, improving personalization, compliance, and operational efficiency.
Stamp Image Management
Centralize stamp storage and reuse across business documents, improving consistency, reducing effort, and standardizing document generation processes.
Modernised Login Experience
Refresh authentication screens with updated branding elements to improve user trust, consistency, and overall digital experience.
MSAL Mobile Authentication
Extend secure federated authentication to mobile applications, delivering seamless enterprise-grade access across devices and platforms.
PDF Preview Maximiser
Enhance document readability through expanded PDF viewing capabilities, improving review efficiency and operational productivity.
Concurrent Session Controls
Restrict multiple active sessions for the same user, strengthening security, governance, and access control across authentication environments.
Security Vulnerability Remediation
Modernise platform dependencies and address security vulnerabilities to improve compliance, scalability, resilience, and future technology readiness.

Interactive Dashboard Enhancements

Empower users with richer historical insights, automated reporting, and seamless navigation from dashboards to business workflows for faster decision-making.

Multi-Image PDF Generation

Convert multiple image documents into a single PDF automatically, simplifying digital document processing and e-signature readiness.

SMS OTP Priority

Improve authentication reliability by identifying OTP messages separately, enabling communication partners to prioritize critical customer authentication requests.

User Signature Capture

Digitally capture and manage user signatures for automated insertion into communications, improving personalization, compliance, and operational efficiency.

Stamp Image Management

Centralize stamp storage and reuse across business documents, improving consistency, reducing effort, and standardizing document generation processes.

Modernised Login Experience

Refresh authentication screens with updated branding elements to improve user trust, consistency, and overall digital experience.

MSAL Mobile Authentication

Extend secure federated authentication to mobile applications, delivering seamless enterprise-grade access across devices and platforms.

PDF Preview Maximiser

Enhance document readability through expanded PDF viewing capabilities, improving review efficiency and operational productivity.

Concurrent Session Controls

Restrict multiple active sessions for the same user, strengthening security, governance, and access control across authentication environments.

Security Vulnerability Remediation

Modernise platform dependencies and address security vulnerabilities to improve compliance, scalability, resilience, and future technology readiness.

Mobility

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

FinnOne Neo® GA 9.0 Mobility Enhancements for Secure Mobile Onboarding, Authentication, and AI-powered Document Validation

Verified Corporate Data Fetch

Retrieve authenticated business information through URN-based verification, reducing onboarding effort while improving data accuracy and fraud prevention.

AI-Powered Document Validation

Automatically validate document quality and document type, reducing operational rework, strengthening KYC controls, and improving onboarding efficiency.

Background Privacy Protection

Prevent confidential information from appearing in application preview screens, reducing accidental exposure and strengthening mobile security.

Screenshot Prevention Controls

Protect sensitive customer and financial information by restricting screenshot capture across designated mobile application screens.
Federated Mobile Authentication
Enable secure MSAL-based authentication, delivering consistent enterprise login experiences across mobile and web channels.
Play Store Compliance Readiness
Align mobile applications with evolving platform requirements, ensuring uninterrupted publishing, stronger security, and future-ready operations.

Verified Corporate Data Fetch

Retrieve authenticated business information through URN-based verification, reducing onboarding effort while improving data accuracy and fraud prevention.

AI-Powered Document Validation

Automatically validate document quality and document type, reducing operational rework, strengthening KYC controls, and improving onboarding efficiency.

Background Privacy Protection

Prevent confidential information from appearing in application preview screens, reducing accidental exposure and strengthening mobile security.

Screenshot Prevention Controls

Protect sensitive customer and financial information by restricting screenshot capture across designated mobile application screens.

Federated Mobile Authentication

Enable secure MSAL-based authentication, delivering consistent enterprise login experiences across mobile and web channels.

Play Store Compliance Readiness

Align mobile applications with evolving platform requirements, ensuring uninterrupted publishing, stronger security, and future-ready operations.

Smarter Lending Awaits You
Upgrade to FinnOne Neo® 9.0

Because Your Customers Expect More

Smart Customer Onboarding

Smart Customer Onboarding

Create a consistent onboarding experience from the very first interaction. Capture applications from multiple channels, simplify data capture and document su...

Risk and Credit Decisioning

Risk and Credit Decisioning

Make lending decisions with greater confidence through automated identity verification and configurable credit policies. Apply consistent underwriting standa...

Loan Disbursements

Loan Disbursements

Move from approval to disbursement with greater speed and control. Support full or partial disbursements, automate repayment schedules, verify documentation ...

Faster Product Launches

Faster Product Launches

Respond quickly to changing business priorities by configuring new lending products through flexible rules, policies, forms, workflows, and master data. Intr...

Straight Through Processing

Straight Through Processing

Connect every stage of the lending journey, from onboarding to disbursement, through a single automated process. Reduce manual intervention, shorten processi...

Advanced Rules Engine

Advanced Rules Engine

Support high-volume lending with a rules engine designed for speed and precision. Configure and execute business rules, scoring models, verification, de-dupl...

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Transforming Banking Worldwide

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Financial Institutions Using FinnOne Neo®

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Our Customer Speaks

Shaping Digital Lending Through Continuous Technology Evolution: YES BANK with Nucleus Software

In this testimonial, Mr. Suresh Thulsimani, SVP, YES Bank, reflects on how Nucleus Software continues to support the bank’s evolution toward digitally driven lending.He highlights the gr...

Evolving Lending with API-Led Agility and Platform Continuity: Axis Bank with Nucleus Software

In this testimonial, Mr. Subodh Rane, Head - BTRG, Retail Assets & Agri, Axis Bank, reflects on a long-standing association with Nucleus Software, spanning nearly two decades of lending ...

Enabling Speed, Compliance, and Future-Ready Lending Transformation: SMFG Group with Nucleus Software

In this testimonial, Mr. Shashi Mishra, Head – Business Solutions Group & Application Support, SMFG Group, shares how Nucleus Software is enabling agility across compliance, product roll...

Aditya Birla Finance Limited on Customer-Centric Lending with Nucleus Software

In this testimonial, Mr. Ganesh Kotian, Head – Transformation Platforms (Retail & Corporate Lending and SAP), Aditya Birla Finance Limited, shares insights on what it takes to deliver se...

Advancing API-First Lending: YES BANK with Nucleus Software

The evolution of lending is increasingly defined by the shift toward API-led, integrated ecosystems that enable speed, flexibility, and continuous innovation.In this testimonial, Mr. Arvind Natra...

Evolving with Change: A 25-Year Technology Journey with FinnOne® CAS & WTO | Episode 2

Over the past 25 years, the evolution of technology in financial services has reshaped how institutions operate, adapt, and scale.Related Read:

Platform Stability and Enduring Collaboration: HDB Financial Services with Nucleus Software

In large-scale lending environments, the strength of technology platforms and the continuity of partnerships often determine long-term operational success.In this testimonial, Mr. Ashish Ghatneka...

Driving Large-Scale Lending Transformation: Muthoot Fincorp Ltd. with Nucleus Software

Scaling digital transformation across lending operations requires platforms that can support both operational depth and market agility.In this testimonial, Mr. Balaji L, Application Head – IT, Mu...

Enduring Partnerships in Financial Services: Mr. Murakami Tatsushi of APLUS, Reflects on 25 Years of Collaboration | Episode 1

Over the past 25 years, the collaboration between Nucleus Software and APLUS has supported the evolution of lending operations in Japan - adapting alongside shifts in techno...

Balancing Seamless Lending and Data Protection: Mirae Asset Sharekhan Financial Services’ Journey with Nucleus Software

As financial institutions accelerate digital lending, delivering seamless customer experiences must go hand in hand with stronger safeguards around data...

Two Decades of Lending Innovation: DCB Bank’s Technology Journey with Nucleus Software

For more than two decades, DCB Bank has worked closely with Nucleus Software to strengthen and evolve its lending technology landscape. What began as an early adoption of

From Software to AI Partner: Authum Investment & Infrastructure Limited’s Evolving Journey with Nucleus Software

For nearly 18 years, Nucleus Software has partnered with Authum Investment & Infrastructure Limited through multiple phases of transformation. What began as a traditiona...

A Partnership That Scales with Vision: HDB Financial Services on Building Digital Foundations with Nucleus Software

Digital transformation in financial services is rarely driven by a single technology. It begins with building the right foundation - one that can evolve with scale, complexity, and long-term ambition.In ...

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...

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...

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Upgrade to FinnOne Neo® GA 9.0. Built for the Next Phase of Growth.

Upgrade to FinnOne Neo® GA 9.0. Built for the Next Phase of Growth.

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