Nucleus Software Recognised in 2025 Gartner® Report on How Bank CIOs Can Apply Predictive AI and Synthetic Data to Enhance Risk Assessment in Lending

AI-powered lending transformation is accelerating globally as banks and NBFCs move toward more intelligent, transparent, and data-driven credit decisioning. As lending portfolios grow in scale and complexity, financial institutions are under pressure to improve underwriting accuracy, reduce manual effort, and deliver faster decisions without compromising governance, explainability, or regulatory compliance. This has driven a shift away from static rule-based systems toward AI-enabled lending platforms that support both automation and control.

To meet these evolving demands, lenders are prioritizing improved decision quality across the credit lifecycle, stronger early risk detection, and responsible expansion of credit to new and underserved customer segments. Achieving these goals requires lending platforms that can embed predictive analytics into core workflows, support human-in-the-loop decisioning, and integrate seamlessly with existing core systems and data ecosystems.

Nucleus Software enables this transformation through FinnOne Neo®, its AI-ready, API-first lending platform covering origination, onboarding, loan management, collections, and analytics. FinnOne Neo® delivers practical AI capabilities that are operationalized directly within lending processes, including:

AI-based confidence scoring to support underwriters with data-driven recommendations aligned to internal credit policies.

• Intelligent underwriting assistance to improve decision consistency and efficiency.
• Predictive risk insights that help identify early warning signals across portfolios.
• Configurable decisioning workflows that balance automation with human oversight.
• Configurable decisioning workflows that balance automation with human oversight.

In the 2025 research report “How Bank CIOs Can Apply Predictive AI and Synthetic Data to Enhance Risk Assessment in Lending”, the Gartner® research discusses how banks are exploring the use of advanced AI techniques across lending to improve credit decisioning outcomes and operational efficiency. The report references broader industry themes such as the use of AI to assist underwriting decisions, the application of synthetic data to address data gaps, and the role of predictive and generative AI in strengthening early risk detection and portfolio monitoring.

Nucleus Software has been named as a representative vendor in this report. With FinnOne Neo®, Nucleus Software helps banks and NBFCs modernize lending operations, strengthen risk governance, and build future-ready credit ecosystems aligned to evolving market and regulatory expectations.