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NX-PRISM — Enterprise Risk Intelligence audit-ready platform for BFSI

This platform governs every major risk where money moves.

Enterprise Risk, Credit, Fraud, NPA, AML & Financial Crime
Command Center

NX-PRISM-01 is an AI-driven, policy-governed control plane that unifies credit decisioning, fraud detection, NPA early warning, collections, AML/SAR, pKYC, and regulatory compliance into a single Tier-1 operating model. Every outcome is traceable, explainable, and audit-ready with built-in policy overlays, maker-checker approvals, evidence capture, and regulator-ready reporting. Designed for flexibility, and it can be deployed on-premises, in the cloud, or hybrid seamlessly alongside your core systems.

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Built for enterprise risk leadership: CIO, CRO, Chief Compliance Officer, Head of Credit, Head of Financial Crime, Chief Collections Officer

Tier-1 deployment model: SRBAC & SSO (trust), Maker-checker & audit trails (governance), SLAs & operational resilience and Deployment flexibility

Designed for enterprise deployment,supporting on-premises, cloud, and hybrid environments alongside core banking systems.

NX-PRISM-01 - Live dashboard snapshot

Credit | Fraud | NPA/EWS | Collections | pKYC

Live
🚨

1D fraud alerts

23

↑ 12 vs yesterday

⚠️

Portfolio at risk

2.4%

within band

✅

Collections promise kept

91%

↑ 6 QoQ

📊

High-risk NPA EWS accounts

1

Watchlist 90 DPD

📞

High-priority collections accounts

1

Watchlist 90 DPD

👤

pKYC Risk

14

Watchlist 90 DPD

NX-PRISM-01 Risk & Credit Command Center dashboard

NX-PRISM-01 Risk & Credit Command Center dashboard

Synthetic demo data | Quantum-AI powered decisioning | Inline explainability & audit trail

NX-PRISM-01 Platform Modules

Modular microservices aligned to how banks run credit, fraud, NPA, collections, AML/SAR and pKYC
with Account 360, explainability, evidence and audit governance built in from day one.

🎯

Risk & Credit Command Center

Single-pane executive visibility across credit, fraud, collections, and regulatory risk.

  • Unified dashboard across credit, fraud, NPA/EWS, AML SAR, pKYC, collections, and regulatory risk in one view
  • Live KPIs with drill-down intelligence and smart exception queue management
  • Risk segmentation by product, channel, geography, and customer profile
  • Smart early-warning thresholds and real-time alert configuration
  • Board-ready packs: KPIs, exceptions, governance summaries and audit exports
⚡

Quantum-AI Credit Scoring

Instant credit decisions with explainable reasoning for every approval, decline, and counteroffer.

  • Explainable credit decisions with reason codes and feature-level attribution
  • Segment-specific scorecards for retail, MSME, and self-employed customers
  • Dynamic policy overlays, challenger models, and seamless champion/challenger routing
  • What-if scenario planning for pricing, product limits, and growth strategy
  • Regulatory-ready PD, LGD, and ECL with full override audit trails
🔍

Fraud Detection & Financial Crime

Real-time detection across all channels with AML/SAR compliance and investigation automation.

  • Streaming fraud detection across cards, UPI, net-banking, ATM, and digital wallets
  • Device fingerprinting, merchant risk scoring, mule ring detection, and behavioral anomalies
  • Intelligent case routing and prioritization with built-in investigation workflow management
  • AML/SAR transaction monitoring with automated suspicious activity detection and reporting
  • Graph analytics for fraud rings and related-party networks with auditable reasoning
⚠️

NPA Prevention & Early Warning System

Predict and prevent delinquency with behavioral triggers and proactive interventions.

  • Predictive stress indicators from repayment patterns, utilization trends, and bureau data
  • Dynamic roll-rate and cure-rate forecasting across DPD buckets and customer segments
  • Risk-banded watchlists with pre-configured intervention playbooks by segment
  • Portfolio heat maps showing stress concentration by product, region, and relationship type
  • Seamless handoff to Collections NBA for structured recovery and restructuring pathways
📞

Intelligent Collections & Next Best Action

Queue optimization powered by risk, exposure, and engagement propensity scoring.

  • Dynamic queue prioritization based on account risk, exposure size, and recovery likelihood
  • Next-best-action recommendations for call center, digital outreach, field visits, or legal escalation
  • Real-time agent productivity dashboards with queue coverage and fulfillment tracking
  • Promise-to-pay tracking with broken-promise detection and segment-level cure-rate analytics
  • Native integrations with dialers, SMS/WhatsApp channels, and legacy collections systems
👤

Account 360 & Regulatory Views

Complete customer risk profile with regulatory transparency and full audit compliance.

  • 360-degree customer view across products, collaterals, limits, guarantees, and contingencies
  • Regulatory reporting ready for IFRS9/ECL, Basel III, and RBI compliance out of the box
  • Multi-level drill-downs from portfolio view to account, transaction, and decision events
  • Full decision explainability with approval chains, overrides, evidence links and complete audit trail
  • Model risk governance support including validation tracking, back-testing, and data lineage

High-Impact Use Cases for Banks & NBFCs

NX-PRISM-01 is designed around real-world BFSI problems—from new-to-credit underwriting to collections uplift and regulatory reporting.

💼

Retail & SME Lending

  • Instant, risk-aware approvals for credit cards, personal loans, business loans, LAP, and overdrafts
  • Segment-specific scorecards optimized for salaried, self-employed, and MSME customers
  • Intelligent limit assignment and line-increase strategies with customer-facing explanations
  • Dynamic cross-sell and up-sell offers seamlessly embedded into customer digital journeys
💻

Digital Journeys & Embedded Finance

  • API-first credit scoring and fraud detection for partner banks and fintech channels
  • Channel-specific policies, pricing rules, and risk appetite controls
  • Real-time performance feedback loops enabling continuous decisioning optimization
💳

Payments & Card Fraud

  • Streaming fraud detection across cards, UPI, POS, and ecommerce using rules and ML models
  • Velocity limits, device fingerprinting, merchant risk, and network anomaly detection
  • Fraud investigation queues aligned with operations SLAs and 24x7 cut-off windows
🔄

NPA Prevention & Restructuring

  • Roll-rate and cure-rate probability forecasting across DPD buckets and customer segments
  • Intelligent account segmentation identifying restructuring candidates vs hard collections targets
  • Stress scenario analysis for portfolio resilience under economic and macro conditions
📈

Collections Uplift

  • Optimized queue design based on risk, exposure size, and available operational capacity
  • Next-best-action recommendations for digital channels, call centers, and field operations teams
  • Promise-to-pay, broken-promise, and cure-rate analytics dashboards by product and region
✅

Regulatory & Governance

  • Model documentation, inputs, thresholds and challenger tracking with audit-ready trails
  • Comprehensive audit logs for overrides, manual decisions, and approval chains
  • Support for internal model risk reviews, audit assessments, supervisory compliance and regulator queries

Solutions Mapped to BFSI Business Outcomes

Each solution is designed to unlock measurable P&L impact—higher approval rates, lower fraud loss, lower credit cost, and improved collections efficiency.

💰

Profitable Digital Lending

  • Instant approvals with risk-based pricing and intelligent policy overlays
  • Higher approval rates at the same or lower loss appetite
  • Line-increase and cross-sell campaigns with transparent eligibility logic
  • Portfolio and segment views for product managers and risk governance teams
🛡️

Enterprise Fraud & Financial Crime

  • Unified fraud analytics across cards, payments, branches, and digital channels
  • Graph-based fraud ring detection, mule identification, and device intelligence
  • Case routing, prioritization, and SLA tracking for investigation teams
🎯

NPA Prevention & Collections Uplift

  • Risk-anchored early-stage interventions with predictive confidence scores
  • Collections NBA powered by behavioral and risk signals for optimal outcomes
  • Roll-rate, cure-rate, and loss forecasts for management decision-making
🔍

Fraud Detection & Scoring

Real-time fraud detection with explainable risk intelligence and governed decisioning for Tier-1 financial institutions.

Risk & Fraud Intelligence
📦

What It Delivers

Nexentum Fraud Detection enables banks and NBFCs to identify, assess, and act on fraudulent activity in real time across digital, transactional, and account-based channels without compromising regulatory control.

💼

CXO Value

  • Reduce fraud losses while protecting genuine customers
  • Replace reactive investigations with predictive intelligence
  • Meet RBI expectations for controlled fraud response
  • Enable explainable, auditable fraud decisions
⭐

Enterprise Credentials

Maker-Checker Enforced Decisions
Explainable Risk Scoring
SLA-Driven Workflows
Full Audit Trail & RBAC
Bank-Deployable Architecture
Request Demo Contact Sales
📋

Fraud Case Manager

A centralized, audit-ready investigation and decisioning workspace for supervised fraud operations.

Risk & Fraud Intelligence
📦

What It Delivers

Fraud Case Manager provides a single source of truth for fraud investigations combining alerts, events, evidence, actions, and approvals under strict governance.

💼

CXO Value

  • Eliminate fragmented investigations
  • Enforce supervisory control on all decisions
  • Accelerate case resolution with accountability
  • Provide regulators with end-to-end traceability
⭐

Enterprise Credentials

Supervisor-Gated Approvals
Maker-Checker Workflows
Complete Case Audit History
SLA & Escalation Tracking
Designed for Regulatory Scrutiny
Request Demo Contact Sales
🔐

AML / SAR Workflows

Automated AML investigations and SAR workflows with regulatory-grade traceability.

Risk & Fraud Intelligence
📦

What It Delivers

Nexentum AML / SAR Workflows streamline suspicious activity investigations while ensuring every step from alert to SAR filing—is documented, governed, and audit-ready.

💼

CXO Value

  • Reduce AML investigation turnaround time
  • Ensure accurate, timely SAR submissions
  • Eliminate manual compliance gaps
  • Increase regulator confidence
⭐

Enterprise Credentials

End-to-End AML Workflows
SAR Evidence Traceability
Maker-Checker Approvals
Audit-First Compliance Design
Request Demo Contact Sales
📊

Credit Scoring & Decisioning

Predictive credit risk intelligence with explainable, policy-driven decisioning.

Credit & Portfolio Risk
📦

What It Delivers

Nexentum Credit Scoring enables consistent, transparent, and scalable credit decisions across retail, MSME, and corporate lending portfolios.

💼

CXO Value

  • Improve approval accuracy and portfolio quality
  • Reduce default risk without slowing growth
  • Enable regulator-friendly explainability
  • Standardize credit governance across the enterprise
⭐

Enterprise Credentials

Explainable Scoring Models
Policy-Driven Approvals
Maker-Checker Ready
Basel-Aligned Risk Governance
Request Demo Contact Sales
⚠️

NPA Prevention & Early Warning

Proactive early warning intelligence to prevent asset deterioration before it becomes NPA.

Credit & Portfolio Risk
📦

What It Delivers

Nexentum continuously monitors behavioral, financial, and exposure signals to identify early stress allowing timely intervention before accounts slip into default.

💼

CXO Value

  • Reduce slippage into NPAs
  • Protect portfolio health and capital efficiency
  • Enable early corrective action
  • Strengthen RBI supervisory posture
⭐

Enterprise Credentials

Early Warning Signal (EWS) Framework
Portfolio-Level Monitoring
Audit-Ready Intervention Actions
RBI-Aligned NPA Prevention
Request Demo Contact Sales
📈

NPA / EWS Queue

A governed operational queue for managing stressed accounts with full supervisory control.

Credit & Portfolio Risk
📦

What It Delivers

The NPA / EWS Queue centralizes early-warning accounts into a prioritized, supervised workflow ensuring no high-risk exposure is missed or mishandled.

💼

CXO Value

  • Risk-based prioritization of stressed accounts
  • Eliminate manual tracking and silos
  • Improve intervention effectiveness
  • Strengthen recovery readiness
⭐

Enterprise Credentials

Maker-Checker Oversight
SLA-Driven Handling
Full Audit Trails
Portfolio-Wide Visibility
Request Demo Contact Sales
🎯

Collections Intelligence

Data-driven, compliant collections strategies designed to maximize recovery while protecting customer relationships.

Recovery & Operations
📦

What It Delivers

Nexentum Collections Intelligence recommends next-best-action strategies based on risk, behavior, and delinquency stage ensuring effective yet compliant recoveries.

💼

CXO Value

  • Increase recovery rates
  • Reduce customer friction
  • Standardize collections strategies
  • Ensure regulatory-safe engagement
⭐

Enterprise Credentials

Strategy-Driven Collections
Customer-Aware Workflows
Interaction-Level Audit Logs
RBI-Compliant Operations
Request Demo Contact Sales
⏱️

Collections Queue

A controlled operational command queue for scalable, compliant collections execution.

Recovery & Operations
📦

What It Delivers

Collections Queue operationalizes approved strategies into supervised execution ensuring consistency, accountability, and performance tracking across teams.

💼

CXO Value

  • Improve agent productivity
  • Maintain compliance across engagements
  • Track outcomes and accountability
  • Enable supervisory oversight
⭐

Enterprise Credentials

Role-Based Access
Maker-Checker Controls
SLA & Performance Tracking
Audit-Ready Records
Request Demo Contact Sales
👤

pKYC Monitoring

Continuous customer identity risk monitoring beyond onboarding.

Identity & Compliance
📦

What It Delivers

Nexentum pKYC Monitoring detects identity drift, anomalies, and behavioral risk throughout the customer lifecycle supporting continuous compliance.

💼

CXO Value

  • Reduce identity-based fraud
  • Maintain ongoing KYC compliance
  • Strengthen trust and regulatory posture
  • Scale monitoring across large customer bases
⭐

Enterprise Credentials

Continuous KYC Monitoring
RBAC Enforcement
Regulator-Ready Audit Trails
Designed for Scale
Request Demo Contact Sales
✅

Regulatory Compliance

Compliance embedded directly into enterprise risk and operations—not treated as an afterthought.

Identity & Compliance
📦

What It Delivers

Nexentum ensures governance, approvals, and auditability are enforced across all risk, fraud, credit, and collections workflows.

💼

CXO Value

  • Reduce compliance risk and penalties
  • Provide instant audit evidence
  • Enable regulator-friendly operations
  • Strengthen enterprise governance
⭐

Enterprise Credentials

RBI / Basel Aligned
Audit-First Architecture
Maker-Checker Enforced
Enterprise-Grade Governance
Request Demo Contact Sales

🔑 The Unified Platform Behind Every Product

All Nexentum products are powered by NX-PRISM-01 — a unified Predictive Risk Intelligence & Security Matrix designed for Tier-1 banks, NBFCs, and regulated financial institutions.

⚡

Unified Architecture

All products seamlessly integrate into one command center with shared governance

🔐

Enterprise Security

Bank-deployable with SSO, RBAC, encryption, and full audit trails

📊

Explainable Intelligence

Every decision backed by transparent, regulatory-ready reasoning

🏛️

Governance First

Maker-Checker, SLAs, audit trails, and regulator compliance built-in

Book NX-PRISM-01 Demo Get in Touch

Enterprise-Ready Architecture

Built as microservices with clean API boundaries, aligned to how large banks deploy mission-critical systems.

Channels & Source Systems
Ingestion & Data Fabric
Credit Microservice Fraud Microservice NPA/EWS Microservice
Collections Microservice
NX-PRISM-01 Command Center & Account 360
Core Banking | LOS | LMS | Collection Systems | Data Lake

Audit-first analytics with optional advanced optimization

Advanced analytics is used where it is defensible and measurable. AI/ML models (e.g., XGBoost and time-series) power credit, fraud and early-warning optimization; accelerates queue and portfolio decisions with clear baselines and validation. Tamper-evident audit proofs can be enabled using cryptographic hash chaining and optionally notary/DLT patterns—without changing your existing data ownership model.

The platform is designed for Tier-1 governance: SSO, RBAC, maker-checker, evidence management, audit trails, model risk governance, data lineage and explainability—so risk, compliance and technology teams can operate with confidence.

Technology Stack Overview

Modern, cloud-ready, and battle-tested—built to sit alongside your existing banking systems.

Frontend

  • Next.js 16, React, and TypeScript for modern, responsive UX
  • Design system aligned with NX-PRISM-01 dashboards
  • Responsive layouts optimized for CXO desktop, tablet, and laptop use

Backend & Microservices

  • Python FastAPI services per domain (credit, fraud, NPA, collections, dashboard)
  • Shared auth, logging, monitoring, and configuration utilities
  • Async, RESTful APIs with OpenAPI documentation and SDK support

Data & Models

  • PostgreSQL with schema designed for regulatory reporting and audit trails
  • Model store for XGBoost, time-series, and quantum-inspired solvers
  • SHAP-based explanations and feature importance tracking

Security & Compliance

  • SSO-ready Keycloak/Azure AD, zero-trust principles, TLS everywhere and configurable security policies
  • Encryption in-transit/at-rest, tokenization for key identifiers, and tamper-evident audit logs
  • Alignment for RBI/FIU expectations, Basel III and IFRS9/ECL—with internal model risk governance support

Enterprise Readiness

  • Supports on-premises, private cloud, public cloud and hybrid deployment (bank-network friendly)
  • Designed for container orchestration, horizontal autoscaling and high availability
  • Integration hooks for SIEM, enterprise logging, monitoring and observability tools

Integration & Observability

  • Native integrations with core banking and legacy systems (without customization)
  • Real-time monitoring with performance metrics & anomaly detection—health and API latency
  • Integration hooks for SIEM, enterprise logging, monitoring and observability tools

Business Impact & Success Metrics

What Tier-1 banks and NBFCs expect from an enterprise-grade risk and governance platform.

📊

Risk & P&L Uplift

  • Higher approval rates for the same or lower loss appetite
  • Reduced fraud loss and write-offs via earlier detection
  • Improved cure rates and collections efficiency across buckets
  • Better capital allocation through risk-anchored portfolio insights
⚙️

Operational Excellence

  • Single command center instead of multiple disjoint tools
  • Standardized workflows, policies, and decision logic across teams
  • Lower manual effort for reporting and regulatory submissions
  • Clear SLAs, OLAs, and monitoring across risk operations
🔐

Governance & Explainability

  • Audit trail of model versions, inputs, overrides, approvals and final decisions
  • Explainable features for internal model risk teams and regulators
  • Clear data lineage from source systems to decisions, dashboards and regulatory reports
  • Support for model validation, back-testing, and challenger strategies

Book a CXO-Level Platform Walkthrough

See NX-PRISM-01 running with dashboards, risk engines, governance workflows and explainability—tailored to your bank's ecosystem and regulatory context.

  • 60-minute remote or on-site session for CXO, CRO, and risk leadership
  • Deep-dive into credit, fraud, NPA/EWS, and collections use cases
  • Discussion on deployment options, data onboarding, and timelines
Request a CXO Demo

Or email us at contact@nexentum.com with a brief on your current risk stack.

Contact Nexentum

Ready to discuss NX-PRISM-01 for your bank or NBFC? Share a few details and we'll get back within one business day.

Email

For demos, pilots, and partnership inquiries

contact@nexentum.com

Deployment

Cloud, on-premises, and hybrid models available.

We are fully aligned with your information security, data residency, and compliance needs.