From pilots to platforms: How Poonawalla Fincorp is institutionalising AI at scale

Artificial intelligence in financial services is often discussed in pockets—risk models here, chatbots there. Poonawalla Fincorp Limited (PFL) is attempting something more structural: embedding AI directly into how the organisation competes, complies, builds software, and listens to customers.

With the rollout of five new enterprise-grade AI solutions, PFL is signalling a shift from experimentation to institutionalisation—where AI is no longer an add-on, but a foundational capability shaping decision-making and execution across the enterprise.

Moving Beyond Use Cases to Operating Leverage

What distinguishes PFL’s latest AI deployments is not novelty, but intent. Each solution targets a core organisational bottleneck—pricing agility, onboarding accuracy, data trust, customer insight, or development velocity. Collectively, they reflect an AI-first operating philosophy designed to improve both speed and control at scale.

“AI is more than a tool—it is reshaping how organisations think, decide, and compete,” says Arvind Kapil, Managing ...