Indian B2B Software as a Service (SaaS) firm Perfios has expanded its Nexus 360 credit decisioning platform across South East Asia.

The company announced new deployments and partnerships with banking, financial services and non-bank lenders in Malaysia and the Philippines at the Singapore Fintech Festival 2025 as it moves from point tools to broader integrated solutions for the region.

Nexus 360 is an end-to-end platform for document ingestion, classification, analysis and processing.

Perfios said the system can cut due diligence to just 15 minutes and enable straight through processing for eligible applications.

In Malaysia, Perfios is enabling faster credit decisions for retail and micro-SME borrowers through digitised onboarding, financial document validation and real-time credit insights.

The deployment supports more than RM 500 million in safe financing and automates income assessment, risk checks and fraud controls, with SME expansion planned.

Perfios is also supporting digital transformation across several institutions.

These projects have delivered more than 50 percent automation in credit assessment workflows, enabling straight through processing and strengthening fraud-risk controls.

They are designed to scale across SME, commercial and wholesale lending.

The Nexus stack spans Connectivity, Intelligence, Trust and Collections.

It aggregates consented data from open finance rails, KYC providers, credit bureaus and other sources, and uses AI and Gen AI models to generate Credit Assessment Memos.

It applies fraud, AML and tamper detection controls, with collections supported by machine learning and agentic AI.

“As digital payments scale, so do fraud and financial-crime pressures, which is why institutions need unified, AI-led decisioning and trust infrastructure that can operate at regulatory scale. Lenders are standardising on Nexus to move from document collection to final decision in minutes, not days.

By embedding lender-specific credit policies, automating income and risk assessment, and surfacing real-time strength-and-risk signals, Nexus enables Straight-Through Processing for eligible segments and strengthens first-line risk controls at scale,”

said Sabyasachi Goswami, Global CEO, Perfios.

Featured image: Edited by Fintech News Singapore, based on image by Freepik