Singapore, June 4, 2026 — Fingular, a fintech holding headquartered in Singapore, announced that its digital financial services brand in India,TrustPaisa, now uses fully autonomous, AI-powered decisioning. All applications are evaluated and processed in real time by artificial intelligence, with no manual intervention.
The enhanced decisioning framework supports real-time evaluation of customer applications based on partner-approved credit policies, risk parameters, customer consent, and applicable regulatory requirements. Manual verification has been completely eliminated. Each application is now assessed within seconds from submission to final determination, regardless of time or application volume. As a result, the company’s specialists can now focus on more strategic responsibilities, including monitoring application processing quality and overseeing final decision controls.
For customers, this results in a simplified and faster application process with immediate resolutions available at any time. The system ensures consistent evaluation standards across all applications.
The AI-enabled decisioning engine evaluates permitted data points, including credit history information and other consent-based inputs, to support risk assessment within approved parameters. The framework is designed to scale with application volumes without compromising control, compliance, or processing quality.
“This transition marks an important step in the development of TrustPaisa’s technology platform,” said Pushkar Prasad, CEO of TrustPaisa.“By strengthening AI-enabled decisioning, we are improving speed, consistency, and operational efficiency while ensuring that risk controls, governance, and customer protection remain central to our approach.”
Risk and AI teams oversee the decision-making system by setting policies, monitoring performance, and validating outcomes. Embedded risk controls and ongoing model testing ensure outcomes remain consistent and auditable. AI-powered decisioning improves unit economics by reducing the cost of evaluating each application. Lower verification costs increase operational efficiency and strengthen portfolio resilience across market conditions. This transition is part of a broader technology roadmap that includes further automation of customer onboarding, servicing, and collections.
Note: Loan sanction, disbursal, and lending-related obligations are undertaken by TrustPaisa’s regulated lending partners in accordance with applicable laws, partner-approved policies, and regulatory requirements.
About Fingular
Fingular is a fintech holding headquartered in Singapore, established in October 2021. The company manages a diverse portfolio of fintech products, operating under its own brand or in collaboration with trusted local partners. Fingular currently operates in several markets, including Malaysia, India and Indonesia. The company offers fully digital financial products — including consumer financing, investment and savings products — tailored to meet local needs and cultural specifics.
Backed by an international team of experienced professionals across IT, product development, finance, and cybersecurity, Fingular is capable of launching operations in new markets within three months, thanks to its innovative approach and technological infrastructure.
The company’s mission is to build a full-service neo-bank that promotes financial inclusion across Asia and the Middle East, while ensuring seamless and user-friendly customer experience in the digital finance space.
Press Office Fingular pr@fingular.com