Bengaluru, Jan 29:  Perfios.ai, India’s leading B2B SaaS TechFin, today announced the launch of ‘Journey Builder’, an AI-Powered visual journey orchestration platform for financial institutions to design, launch, and optimise product journeys. Journey Builder empowers financial institutions with rapid product innovation and agility, leading to a direct 60%+ reduction in turnaround time to develop and launch new journeys.

Financial products require continuous evolution and upgradation, driven by shifting customer behaviors, new regulations, and market opportunities. Traditional development cycles, however, are often slow, rigid, and resource-intensive, especially as lending and onboarding journeys span multiple tightly coupled systems such as KYC, credit bureaus, consent, fraud checks, and underwriting. Perfios’ Journey Builder addresses the critical need for speed and adaptability in a rapidly changing financial landscape.

Journey Builder enables financial institutions to create, orchestrate, and refine end-to-end customer journeys across fragmented systems without manual intervention and without writing a single line of code. It uses journey-native, step-level analytics to not only measure journeys but also to directly power how journeys evolve in real time.

Key Features and Benefits of Perfios Journey Builder:

• Visual Journey Composition: A drag-and-drop workflow builder allows product teams to visually map and link data inputs, validation steps, and decisioning logic into a unified process, designed for rapid iteration.
• Modular & Reusable Components: Journeys are built from modular components and pre-built templates for lending, insurance, CASA onboarding, and more. Common elements like KYC, fraud checks, and underwriting can be reused across products.
• Pre-Integrated Ecosystem: Features a range of 50+ pre-built connectors for digitisation, document classification, credit bureaus, KYC, and fraud checks, streamlining complex workflows.
• Journey-Native Analytics: Built-in analytics provide real-time visibility into drop-offs, delays, and bottlenecks at every stage, allowing teams to identify where time is lost and track the conversion impact of each step. Insights are directly actionable, allowing immediate reordering, removal, parallelization, or replacement of steps.
• Versioning, Governance & Compliance: Built-in versioning, sandbox testing, and audit trails allow institutions to experiment safely without disrupting live journeys, while maintaining regulatory control and compliance readiness.
• Designed for Business Users: Product managers can design journeys using visual tools, significantly reducing reliance on engineering teams and accelerating development.
• Domain-Native & India-First: Specifically designed for financial services with built-in risk controls, compliance checkpoints, and regulatory logic. It offers native support for Indian digital rails and compliance, including Account Aggregator, DPDP Act, RBI guidelines, Aadhaar, DigiLocker, and video KYC.

“Financial institutions don’t struggle with insight, they struggle with converting that insight into customer facing journeys. Journey Builder closes that gap by turning real-time signals into configurable journeys that can be changed in days, not months,” said Krishna Chaitanya, Chief Product Officer, Perfios. “By shifting from fixed workflows to living journeys, we’re helping institutions learn faster, adapt continuously, and stay ahead of both customer expectations and regulatory change.”

Perfios has spent over 15 years powering financial decisions for over 1,000 institutions across 18 countries, processing billions of transactions monthly. Journey Builder leverages this extensive experience, turning intelligence into instant action.

Early pilot results for the Journey Builder application have been highly encouraging, delivering a 60% reduction in turnaround time to build and launch new journeys (2.5× faster), a 70% reduction in engineering effort, and 3X faster product iteration. By shifting from ‘fixed workflows’ to ‘living journeys’, organizations can continuously refine and adapt experiences based on real-world behavior.