Industries · BFSI

Banking-grade operations at agentic speed.

Origination, collections, wealth onboarding and claims: running as governed workflows where every decision carries its policy, its approver and its place in a seven-year trail. AI proposes; your named officers sanction.

Maker-checker at every gateAudit trail to the stepISO 27001 · SOC 2 Type IIData residency by deployment

01 Loan origination & underwriting

Application to sanction on one flow: bureau pull, KYC, document collection with OCR, deviation handling and multi-level credit approval, with same-day sanction paths for clean files.

Underwriting agent assembles the file, applies the risk grid and proposes a decision with cited policy. the credit officer sanctions.

bureau · OCR · DMN risk grids · e-sign · disbursement

02 Collections & resolution

Bucket-wise strategies across call centre, field and legal: promise-to-pay tracking, settlements with approval matrices, and case management deep enough for asset reconstruction portfolios.

Collections agent ranks accounts by propensity, drafts the outreach and schedules field visits. settlements stay with the committee.

PTP · field app with geo · WhatsApp & voice · legal stages

03 Wealth & client onboarding

KYC and AML screening, risk profiling and suitability, account opening across custodians: a relationship manager's pipeline and a compliance officer's record in the same system.

Onboarding agent completes screening and flags exceptions with sources. compliance clears them, on record.

KYC/AML · suitability · document vault · RM workspace

04 Insurance & claims operations

Intake to survey to settlement: policy servicing, surveyor dispatch with geo-tagged evidence, reserve tracking and settlement approvals under a full authority matrix.

Claims agent triages intake, checks coverage and flags leakage patterns. the adjuster settles.

intake · surveyor field app · reserves · authority matrix

Why BFSI moves first

The processes are document-heavy, rule-dense and audited: exactly where governed agents pay for themselves fastest, and where a platform with maker-checker in its bones beats a bolt-on.

The regulator reads the same record

Every workflow is an event history on durable execution: what was decided, by whom or by which agent, under which policy version. Audit is an export, not a project.

Inside your perimeter if needed

Amoga PaaS (Azure/Oracle), or fully within your VPC and data centre: same platform, same upgrades, residency where your regulator expects it.

In production with Tata CapitalCreditAccess GrameenARCiLCentrum WealthAce Insurance NBFC · microfinance · ARC · wealth · insurance

Deep-session preview · governed flows

Watch a file move. Agents propose; officers sanction.

Two lanes from a live tenant: origination to disbursement, and the collections strategy that follows. Every hop is a workflow step with an owner. Nothing moves off the record.

Origination & collections · governed lanes run 7f2c · replayable

Lane 1 · loan origination

Application filed

LOAN_APP · INSERT

Underwriting agent

BUREAU · KYC · POLICY

Deviation?

DMN · RISK_GRID

Credit officer

SANCTION · MAKER-CHECKER

E-sign & disburse

DOC · CORE · EXACTLY ONCE

Booked

POSTED · TRAIL PINNED

Lane 2 · collections & resolution

DPD 30 crossed

BUCKET · B1 ENTRY

Collections agent

PROPENSITY · OUTREACH DRAFT

PTP kept?

TRACKED · FIELD VISIT

Settlement committee

AUTHORITY MATRIX · L3

Normalised

CLOSED · TRAIL KEPT

Copilot · "escalate PTP breaks above ₹5L to the regional committee within 2 hours" Diff pending

The agent roster

Named agents, banking guardrails.

every action: identity · role scope · policy version · trail

underwriting

Assembles the file, applies the risk grid, proposes a decision with cited policy.

sanction stays with the credit officer

kyc-screen

KYC and AML screening with sources attached; exceptions flagged, never buried.

compliance clears, on record

collections

Ranks accounts by propensity, drafts outreach, schedules field visits by route.

settlements go to the committee

dunning

Chases receivables across WhatsApp, voice and email: tone and cadence from policy.

writes to the same audit trail

claims-triage

Checks coverage on intake, dispatches surveyors, flags leakage patterns early.

the adjuster settles

evidence-collector

Gathers control artefacts continuously so audits read from the record, not a scramble.

gaps assigned with owners

Agents inherit your enterprise hierarchy. An agent cannot read a record its assigned role cannot read, and every tool call is scoped, logged and attributable.

Run it as a dedicated session

The 90-minute BFSI deep dive.

This is a working session on your portfolio, not a slide walkthrough. The platform generates in front of your credit, risk and IT leads.

00–15

Your portfolio

Walk us through one process: origination, collections or claims, and the systems it touches today.

bring: BRD or SOP, sample files

15–45

Generated live

The studio drafts the FRS, you approve it, and the flow is generated to a staging tenant in the room.

artifact: running staging app

45–70

Governance replay

We replay maker-checker gates, agent guardrails and the step-level audit trail on what was just generated.

for: risk & compliance leads

70–90

Deployment plan

Residency, PaaS or your VPC, integration map to core and bureau, and the exit clause in writing.

for: CIO & infosec

Book the BFSI deep dive you keep the staging tenant

Bring one portfolio. Leave with it running in staging.

Bring your origination or collections process to a working session with an Amoga architect. We generate it, review the meta and deploy it to a tenant you keep.

Request BFSI demo

For your technical team

The part risk and IT will ask about: meta instead of generated code, durable execution under every workflow, RBAC that agents inherit, and an exit clause in writing.

Platform architecture: six planes →Durable execution & replayable audit →Security, compliance & data residency →