Mumbai, June 1, 2026 – Fino Payments Bank has announced a strategic partnership with ezee.ai to deploy an AI-powered, no-code lending platform as it advances its transition into a Small Finance Bank (SFB). Under the agreement, ezee.ai will implement its Loan Origination System (LOS), Business Rules Engine (BRE), and Collections Management Platform to create an integrated technology foundation spanning origination, credit decisioning, and collections.
Building the Technology Foundation for Fino’s SFB Journey
Fino Bank is progressing toward a differentiated, technology-led, and asset-light Small Finance Bank model. As lending becomes central to this transition, scalable digital infrastructure is critical to expanding credit operations while maintaining efficiency, governance, and customer centricity. The ezee.ai partnership brings together key components of the credit lifecycle within a single ecosystem, enabling Fino to build lending capabilities that can evolve with changing products, customer segments, and business requirements.
“Our vision is to build a differentiated, technology-led, and asset-light Small Finance Bank that combines innovation with customer-centricity. This partnership with ezee.ai marks an important milestone in that journey, building our lending capabilities through AI-driven automation and intelligent decision-making.”
Ketan Merchant, Interim CEO, Fino Payments Bank.
Enabling Scalable, Customer-Focused Innovation
Technology will play a central role as Fino scales lending operations while continuing to prioritise customer experience and financial inclusion. The bank’s broader SFB strategy focuses on building a scalable franchise supported by technology-led engagement, a pan-India distribution network, and disciplined risk management. Fino’s loan referral business has grown steadily, with disbursals reaching approximately ₹210 crore in May 2026 nearly 2.9 times the level recorded in May 2025. Against this backdrop, an adaptable digital lending infrastructure becomes a key enabler for expanding credit access and building sustainable lending operations.
AI-Powered Lending Across the Credit Lifecycle
ezee.ai‘s no-code platform enables financial institutions to build and adapt lending processes across origination, decisioning, and collections without extensive IT intervention. For Fino, the platform is designed to support greater automation, operational agility, and data-driven decision-making as the bank expands its lending capabilities.
“We are delighted to partner with Fino Payments Bank in its transformation journey. Our AI-powered no-code platform will help accelerate digital lending capabilities, improve operational agility, and enable scalable, customer-focused innovation.”
Rajendra Awasthi, CEO, ezee.ai
A Technology-Led Path Toward the Future of Banking
The Fino-ezee.ai partnership reflects two converging priorities: Fino’s ambition to build a differentiated Small Finance Bank and the growing role of AI in modernising credit operations. It also signals a broader opportunity for financial institutions across Bharat: using technology not simply to digitise existing lending processes, but to create more intelligent, scalable, and customer-focused models for delivering credit.
