We are accelerating our business and digital transformation from a fintech to a financial company that is AI-first. BFL 3.0 will therefore evolve as FIN+AI — a FINAI company.

Our FINancial initiatives, in addition to launch of new products, will focus on scaling auto loans with low credit cost, creating a comprehensive range of personal loans and building a viable payments business.

On the tech front, BFL will be a FINAI company with AI enabled technology architecture, which integrates AI across all its processes to significantly improve customer engagement, grow revenue, reduce Opex, reduce credit costs, enhance productivity and strengthen controllership.

As BFL 3.0 - A FINAI Company, we aim to be a pre-eminent choice which meets all financial services needs of its 200 million customers by FY2029.