Decisioning, Reimagined Powered by Agentic AI
At Bharat Fintech Summit 2026, Mohit Shah, CEO of GLIB, presented a compelling vision of how Agentic AI is transforming credit decisioning.
As expectations for instant lending rise in a UPI-driven economy and regulatory scrutiny intensifies under the watch of Reserve Bank of India, financial institutions face a critical question:
How do we scale faster responsibly?
- The Shift: From Rules to Reasoning
Traditional AI and ML models operate like calculators input in, output out.
Agentic AI behaves more like an underwriter: it plans, reasons, evaluates context, and explains its decisions.
Instead of rigid workflows and static scorecards, agentic systems:
- Â Autonomously orchestrate data across KYC, bureau, Account Aggregator, and documents
- Perform contextual risk, fraud, and compliance analysis
- Adapt dynamically to edge cases
- Provide clear reasoning and audit trails
- Escalate intelligently to human analysts when confidence is low
- Why This Matters
India’s data stack has matured. Consumer expectations are real-time. But speed without explainability is a risk.
Agentic AI introduces:
- Â Structured reasoning
- Built-in compliance checks
- Transparent auditability
- Human override with full context
- RBI-aligned governance by design
The message was clear:
The future of credit decisioning is not just automated, it is autonomous, explainable, and accountable.
As lending evolves, the first decision may come from AI. But trust will come from how well it explains itself.
