Fristine Infotech’s Financial Services practice builds and runs the operational systems Indian financial institutions depend on, CRM, service, lending workflows, distributor servicing and reporting, and the AI agents that now work inside them. We serve stock broking, asset management, NBFC and gold loan lending, insurance broking, and wealth management. It is our largest and oldest vertical.
Most technology firms discover BFSI through a project. We learned it through a decade of them. That’s why our first question is never about the model; it’s about your audit trail.
Why financial services is different, in practice
Three things change when the system carries regulated work.
Evidence matters as much as outcome
It isn't enough for a decision to be right. You have to be able to show, months later, what information produced it and who approved it. That requirement shapes architecture from the first day.
The failure cost is asymmetric
A wrong answer on a margin call, a KYC verification or a claim costs money and possibly a regulatory finding. So confidence thresholds sit lower and human review sits wider.
Your vendor is your exposure
Under RBI's IT outsourcing framework and SEBI's position on third party tools, our conduct becomes your compliance problem. We work as though your auditor is reading over our shoulder.
What we build, by process
| Process | What we deploy | Typical outcome |
|---|---|---|
| Client onboarding & KYC | Onboarding workflow on Zoho + document extraction agents | Faster KYC completion |
| Loan origination | Origination workflow + document agents + exception routing | Reduced file completion time |
| Collections & recovery | Segmented workflows + outbound voice agents for early buckets | Improved contact rates |
| Distributor servicing | Partner portals, empanelment workflows, commission visibility | Self serve adoption |
| Reconciliation | Data pipelines + workflow agents for routine clearing | Faster exception clearing |
| Regulatory reporting | Governed data layer with one definition per metric | Audit ready reports |
| Service desk | Zoho Desk with SLA enforcement + AI drafted first responses | Faster first response |
Our five sub verticals
Stock Broking
Lead to demat in hours, KRA and KYC workflows, margin and risk communication, RTA and exchange reference data, and SEBI CSCRF obligations.
AMC & Mutual Funds
Distributor empanelment and servicing at scale, NFO campaign operations, folio servicing queries, and commission visibility your partners trust.
NBFC, Lending & Gold Loan
Sourcing to disbursal to post disbursal documentation, LTV workflows, branch operations, and collections intelligence.
Insurance Broking
Renewals that don't depend on memory, endorsements, claims intimation and tracking, and IRDAI reporting obligations.
Wealth Management
RM productivity, portfolio review preparation, client reporting, and cited answers across holdings and transactions.
Agentic AI in finance
The distinction that matters to a CIO isn’t conversational quality. It’s whether the system can complete work and prove what it did. A chatbot answers a question. An agent reads a KYC pack, extracts fields, cross-checks against records, flags mismatches, routes the file to a credit officer with the source document open, and writes an immutable log entry.
What we insist on for financial clients:
Human in the loop on every decision with financial or customer consequence
Immutable, timestamped audit logs with source document references and model versions
Permission inheritance; an agent sees only what its requesting user is entitled to see
Evaluation against your labelled cases, re run on every model or prompt change
Documented accountability; who owns the agent's output, in writing, before go live
Trusted by India’s financial institutions
We work with regulated enterprises across broking, lending, insurance and asset management.
Regulatory posture
DPDP Act 2023 & Rules 2025
You are the Data Fiduciary; we operate as Data Processor under a DPDP aligned processing agreement covering security safeguards, breach notification, retention and deletion.
RBI IT Outsourcing (2023)
Right to audit for you and for RBI, subcontractor transparency, exit management, BCP DR, incident reporting and disclosed processing locations.
RBI FREE-AI (Aug 2025)
Seven sutras and twenty-six recommendations on responsible AI, board approved AI policies, AI audit, incident reporting. We align agent governance to it.
SEBI CSCRF
VAPT by CERT-In empanelled auditors, SOC coverage, regulatory data stored in India. SEBI holds the regulated entity responsible for outputs of AI tools.
IRDAI Guidelines 2023
Information and cyber security guidelines applying to brokers and intermediaries, with obligations flowing down to vendors.
CERT-In Directions 2022
Six-hour incident reporting and 180-day log retention within India.
Common questions
Can you sign our RBI IT outsourcing annexure?
Yes. Right to audit, subcontractor disclosure, exit management, incident reporting and processing location clauses are terms we work with routinely.
Where will our data be processed?
In Indian regions by default, and inside your own cloud tenant or VPC where you require it. Processing locations are documented before build.
How do you handle DPDP as a processor?
Through a processing agreement with DPDP aligned clauses: security safeguards, breach notification, retention and deletion support, and consent artefact handling.
Are your agents deterministic enough for regulated processes?
Language models are probabilistic; systems built around them can still be controlled. We make behaviour auditable through logging, bounded through confidence thresholds, and measurable through evaluation suites.
Do you have BFSI clients we can speak to?
Yes, reference calls are available at proposal stage, subject to client consent.
Built for your auditors, not just your users
Bring us one BFSI process. Ninety minutes, your team and ours, you’ll leave with an architecture view and an honest compliance assessment.
Book a working session