Finpass at Bharat Fintech Summit 2026: Powering Smarter Financial Decisions

The Bharat Fintech Summit is one of India’s leading fintech conferences that creates a platform to showcase the latest and greatest advancements in the fintech industry to connect, including government officials, banks, fintech companies, and tech partners. The summit features industry experts and leaders that focus on the digital transformation, challenges, and innovations of the BFSI sector, and how these will shape the future of financial services. 

 Finpass, powered by Surepass, will be the Official Underwriting Partner of Bharat Fintech Summit 2026. This partnership enables Finpass to mark itself in the wider fintech ecosystem and to address issues such as risk assessment and responsible lending, thereby contributing to the summit’s focus on sustainable and responsibly managed technological innovations for a fast-evolving digital economy.

Finpass The AI-Powered Underwriting Platform

At the Bharat Fintech Summit 2026, Finpass is being presented as an AI-powered financial analysis and underwriting platform designed to streamline advanced lending workflows. Finpass is tailored for financial institutions, including banking and non-banking financial companies, and digital lending companies. It empowers lenders to analyze and process borrowers’ financial information while minimizing manual efforts to optimize credit decisions within a given time frame, as per the organization’s credit process parameters and regulatory risk frameworks.

Finpass fosters the underwriting process by integrating data-driven analysis and intelligent automation through seamless underwriting. This enables lenders to optimize speed, accuracy, and compliance, ultimately achieving a balanced effect within the quickly evolving digitised financial environment.

The following are the features that make Finpass stand out:

• Bank Statement Analyser: AI powered analyser for bank statements that analyses the user’s financial health in terms of income, cash flows, and accounts. Identifies negative balances, bounced cheques, suspicious inflows, and early signs of fraud or tampering.
  
• SMS Analyser: Extracts and interprets transactional insights from SMS data to identify income sources, repayment behaviour, and spending patterns, particularly useful for assessing borrowers with limited traditional credit history.
  
• Account Aggregator: Enables secure, consent-based access to financial data through the Account Aggregator framework, supporting compliant and real-time retrieval of information directly from source institutions.

• Underwriting IQ: Brings together multiple data signals into a structured underwriting framework, assisting lenders in evaluating risk, reducing manual decision-making, and maintaining consistency with evolving regulatory and risk standards.

Meet The Finpass Team at Bharat Fintech Summit 2026

The Bharat Fintech Summit will be hosted at JW Marriott Sahar, Mumbai, from 10–11 February 2026, bringing together stakeholders from across the fintech and BFSI ecosystem for open and candid discussions on the future of digital finance.

The Finpass team will be present at Booth A-017, where attendees can engage with the team to understand how data-driven financial analytics and structured underwriting support responsible and scalable lending.

Spoke Person

Amit Mittal – Co-Founder

Amit Mittal, Co-Founder of FinPass, will take the stage to share insights on Risk, Rewards, and AI: Building Smarter Systems for Sustainable Growth. He will discuss how AI-based underwriting and data analytics are transforming risk assessment, portfolio quality, and lending operations.

His session will focus on challenges Banks, NBFCs, and digital lending platforms face, which include credit risk evaluation, repayment capability checks, regulatory compliance, and portfolio management. He will highlight how an AI-powered solution, FinPass help lenders build resilient, scalable, and responsible lending systems.

Why Underwriting and Risk Assessment are Central to Today’s Fintech Ecosystem?

As India’s fintech ecosystem continues to scale, underwriting and risk assessment have become essential to responsible and sustainable growth. The rapid expansion of digital lending has increased the need to balance speed, accessibility, and innovation with strong risk discipline and regulatory compliance, and that’s where Finpass dedicates itself, as we researched the following trends in the industry:

• Scale and speed of digital lending: High-volume, near real-time credit decisions require underwriting frameworks that can deliver efficiency without compromising control.
  
• Evolving borrower profiles: The growth of new and thin-file customer segments calls for broader, data-led approaches to assessing creditworthiness.
  
• Regulatory and compliance expectations: Increasing emphasis on transparency, auditability, and responsible lending has made structured risk assessment critical.
  
• Operational efficiency and consistency: Scalable lending depends on repeatable, well-governed underwriting processes that reduce manual intervention.

Other Focus Points of The Event

The Bharat Fintech Summit addresses a few areas that continue to shape India’s Fintech and BFSI ecosystem. These themes are central to the fintech event’s agenda and are also aligned with the beliefs that Finpass advocates for resilient and responsible financial systems.

• Digital Transformation in BFSI: Utilization of modern technology to enhance the financial services offered, increase operational productivity, and support scalable digital growth across institutions.

• Risk Management at Scale: Digital lending and payments are on the rise. Strengthening credit discipline, fraud prevention, and operational resilience.

• Compliance and Regulatory Alignment: Innovations in fintech are always governed by the principles of innovation, impacted by transparency, and the regulations that are always changing.

• Responsible Financial Innovations: Balanced growth in a financially responsible, inclusive, and sustainable manner using technology to support and drive growth.

• Ecosystem Collaboration: Sustainable and cohesive progress across the industry by collaboration between regulators, financial institutions, fintechs, and technology solution providers.

Conclusion

The Bharat Fintech Summit encourages discussions on responsible innovation, risk governance, and sustainable growth as the fintech ecosystem continues to evolve. Finpass, along with BFS, stresses the importance of underwriting data, responsible lending, and risk management as the pillars of modern lending. Looking ahead, the collaboration of regulators, banks, and technologists, within the confines of strong underwriting, will continue to advance our ecosystem to be more resilient and able to withstand the future.