# Trustt > Trustt is an AI banking platform for banks, NBFCs, small finance banks, > microfinance institutions and FinTechs, primarily in India. Four products run > on a single data layer: AI banking agents, digital lending, digital > distribution and digital identity. Trustt reports 100+ financial institutions > on the platform, $1Bn+ disbursed and 4Mn+ customers served. Trustt, formerly known as Novopay, is operated by Novopay Solutions Private Limited, Bengaluru, India. Institutions named on the site as running on Trustt include HDFC Bank, YES Bank, AU Small Finance Bank, Utkarsh Small Finance Bank, Can Fin Homes, Berar Finance, Avanti Finance, Saarathi Finance, Light Finance, Nissan Renault Financial Services, Titan, Narayana Health, Herbalife and Tata Play Fiber. The platform covers the retail credit lifecycle and the channels around it: loan origination, credit decisioning, loan management and collections on one configurable core (LOS, BRE, LMS, LCS); voice AI agents that handle sales and service calls in 11 Indian languages plus Hinglish code-mixing; partner distribution across business correspondents, DSAs, agency banking networks and digital platforms; and a verification stack spanning Aadhaar KYC, Video KYC, document intelligence and business checks. Two commitments run through the product line. Credit policy stays with the institution: the bank's own credit team authors and tests the rules, and every decision is explainable and can be replayed. Deployment is measured in weeks — a distribution agent onboards in about ten minutes, and a lending business can be stood up in about four weeks. Because Trustt sells to regulated institutions, consent capture, PII masking, data localization and audit trails are built into each product. ## Products - [AI Banking Agents](https://www.trustt.com/agents/): Voice agents for collections floors, contact centres and origination desks. Natural turn-taking with barge-in and response under 1.2 seconds, 11 Indian languages plus Hinglish code-mixing, secure API calls placed mid-conversation to check balances, block cards and update records, thousands of concurrent calls, and escalation to a human agent with full context. Pre-tuned for collections, loan origination, verification, customer support and outbound sales. - [Digital Lending](https://www.trustt.com/lending/): Origination, underwriting, disbursal and collections on one data layer, with identity and disbursal as shared rails. Covers LOS, BRE, LMS, LCS and co-lending. The credit team authors and tests its own rules, every decision can be replayed, and events post to the general ledger and settle per partner without an end-of-day window. - [Trustt Lending Cloud](https://www.trustt.com/lending-cloud/): The same core packaged to stand up a lending business in about four weeks. Fourteen products across retail, MSME, secured and rural lending; four pillars — origination, decisioning, servicing and collections — on one data layer; API-first, pre-built and customizable. - [Digital Distribution](https://www.trustt.com/distribution/): One integration for every partner network — individual and corporate business correspondents, DSAs, agency banking and digital platforms, each served over the channel it uses (Android app, portal, SDK or API). Agents onboard in about ten minutes under the institution's own brand, with a partner ledger across the network and reach into 30+ states. Distributes the full shelf: banking, loans, cards, payments, investments and social security products. - [Digital Identity](https://www.trustt.com/identity/): Verification in seconds against the source of record — identity verification, business verification, Video KYC, Aadhaar KYC, Aadhaar Vault, Aadhaar eSign, document intelligence, financial intelligence and payments, behind one API. Sandbox first, integrate once, then move to production. ## Company - [Book a demo](https://www.trustt.com/contact/): Demo request form. A specialist replies within one business day. Sales enquiries: sales@trustt.com. A chat is available on every page of the site — the quickest way to ask about a product or leave your details for the team. - [Privacy Policy and Terms of Use](https://www.trustt.com/privacy/): The terms governing use of the Trustt website, operated by Novopay Solutions Pvt. Ltd. ## Blog - [Blogs](https://www.trustt.com/blog/): Articles from Trustt on digital lending, AI in banking, banking technology, fintech regulation and digital identity. The five October 2026 posts are by Gautam Bandyopadhyay, CEO & Co-Founder; the older posts were first published between 2021 and 2024 and reflect the product and market at the time of writing. - [AI agents for banks in India: where they deliver ROI in 2026 (and where they don’t)](https://www.trustt.com/blog/ai-agents-banks-india/): AI in Banking, 19 Oct 2026, by Gautam Bandyopadhyay. A use-case ROI map for AI agents in Indian banking: service deflection, early-bucket collections, lead qualification, KYC assistance and internal copilots pay back today; autonomous credit decisions do not yet. Covers RBI’s FREE-AI framework and 2026 draft model-risk guidance, and a three-gate test for choosing the first use case. - [AI risk management for banks in India: explainability and vendor concentration](https://www.trustt.com/blog/ai-risk-management-banks-india/): AI in Banking, 19 Oct 2026, by Gautam Bandyopadhyay. The three risks banks inherit when AI goes live (automated decisions, shared technology providers, opaque models), what RBI expects in 2026, a vendor concentration register, an eight-item day-one control pack and impact-based tiering of AI controls. - [Loan origination system for banks in India: a compliance-first buyer’s guide (2026)](https://www.trustt.com/blog/loan-origination-system-banks-india/): Digital Lending, 19 Oct 2026, by Gautam Bandyopadhyay. How LOS, BRE, LMS and LCS divide the loan lifecycle, what the RBI (Digital Lending) Directions, 2025 require of origination software, the cost case for a business rules engine, and a seven-point LOS vendor evaluation checklist. - [Accountable autonomy: why AI credit decisions in India stall at sign-off and how to fix it](https://www.trustt.com/blog/accountable-autonomy-why-ai-credit-decisions-in-india-stall-at-sign-off/): AI in Banking, 15 Oct 2026, by Gautam Bandyopadhyay. AI pilots in Indian lending rarely fail because the model is wrong. They stall because no one can explain the decision, own it or audit it at scale. A four-rung autonomy ladder, and how to climb it one segment at a time. - [Bharat’s next wave of borrowers won’t download your app: the economics of assisted digital lending](https://www.trustt.com/blog/bharats-next-wave-of-borrowers-wont-download-your-app/): Digital Lending, 13 Oct 2026, by Gautam Bandyopadhyay. For new-to-credit borrowers outside India’s metros, app-first lending loses on unit economics. An assisted model, with a trusted local agent, vernacular AI and a fully digital back end, wins on cost per booked, performing loan. - [Privacy vs. convenience: the dilemma about digital identity](https://www.trustt.com/blog/privacy-vs-convenience-the-dilemma-about-digital-identity/): Digital Identity, 29 Aug 2024, by Harshit Arora. - [Money made modern: unleashing fintech’s digital lending](https://www.trustt.com/blog/money-made-modern-unleashing-fintechs-digital-lending/): Digital Lending, 27 Aug 2024, by Sanjay Shenoy. - [RBI’s latest message to fintech industry: seriously adhere to KYC practices](https://www.trustt.com/blog/rbi-latest-message-to-fintech-industry-seriously-adhere-to-kyc-practices/): Fintech, 5 Aug 2024, by Amish Tiwari. - [Budget 2024: a catalyst for innovation](https://www.trustt.com/blog/budget-2024-a-catalyst-for-innovation/): Fintech, 24 Jul 2024, by Harshit Arora. - [The future of banking: a look at the trends 2024 shaping core banking systems](https://www.trustt.com/blog/the-future-of-banking-a-look-at-the-trends-2024-shaping-core-banking-systems/): Banking, 23 Jul 2024, by Sanjay Shenoy. - [The shift from traditional to digital lending: benefits and challenges](https://www.trustt.com/blog/the-shift-from-traditional-to-digital-lending-benefits-and-challenges/): Digital Lending, 15 Jul 2024, by Sanjay Shenoy. - [Driving financial inclusion through technology](https://www.trustt.com/blog/driving-financial-inclusion-through-technology/): Banking, 7 Nov 2023, by Srikanth Nadhamuni. - [The rise of co-lending: a financial revolution](https://www.trustt.com/blog/the-rise-of-co-lending-a-financial-revolution/): Digital Lending, 11 Oct 2023, by Trustt. - [India's digital transformation and what it means to banking](https://www.trustt.com/blog/indias-digital-transformation-and-what-it-means-to-banking/): Banking, 5 Oct 2023, by Srikanth Nadhamuni. - [Are banks adopting cloud and SaaS services - part 1 of 2](https://www.trustt.com/blog/are-banks-adopting-cloud-and-saas-services-part-1-of-2/): Banking, 25 Apr 2023, by Srikanth Nadhamuni. - [How GPT can completely transform banking](https://www.trustt.com/blog/how-gpt-can-completely-transform-banking/): Banking, 14 Apr 2023, by Srikanth Nadhamuni. - [First major GPT-based product suite for banking!](https://www.trustt.com/blog/first-major-gpt-based-product-suite-for-banking/): Banking, 4 Apr 2023, by Srikanth Nadhamuni. - [Advantages of digitalizing your SME loan process](https://www.trustt.com/blog/advantages-of-digitalizing-sme-loan-process/): Digital Lending, 8 Nov 2022, by Manoj Matthew. - [Improving productivity using field service management](https://www.trustt.com/blog/improving-productivity-using-field-service-management/): Field Force Management, 26 Aug 2021, by Srikanth Nadhamuni. ## Optional - [Trustt on LinkedIn](https://www.linkedin.com/company/trustt-tribe/) - [Sitemap](https://www.trustt.com/sitemap.xml): Every indexable page with its last-modified date. - [Consumer Grievance Redressal Policy](https://www.trustt.com/Trustt-Consumer-Grievance-Redressal-Policy.pdf): PDF. The grievance process available to consumers.