FinnOne Neo and FinnAxia Banking Platforms

Nucleus Software is an Indian banking software company listed on the BSE and NSE, with more than four decades of BFSI domain expertise. It supplies lending and transaction banking platforms to more than 200 banks and financial institutions in 50 countries, and calls Vietnam its largest market in Southeast Asia.

FinnOne Neo is a lending suite with loan origination, loan management and collections across retail, SME, corporate, gold, auto and Islamic finance. Version 9.0 adds AI-based credit decisioning, pre-delinquency prediction, co-lending, finance against securities, document and PII masking, and mobile collections. FinnAxia covers transaction banking: supply chain finance, global receivables, payments, collections, liquidity and cash management, with API-led connectivity and more than 600 out-of-box APIs.

• Loan origination: Captures and decides retail, SME and corporate loan applications.
• AI credit decisioning: Uses AI models and comparative credit summaries to support approvals.
• Pre-delinquency prediction: Flags repayment risk early to guide collections.
• Loan management and collections: Services loans and runs mobile-enabled collection activities.
• Supply chain finance: Manages dealer and vendor financing through FinnAxia.
• Cash and liquidity management: Handles payments, collections and liquidity for corporate clients.

A consumer finance company could automate loan approvals and early-warning collections. A commercial bank could launch supply chain finance for distributors of large manufacturers. A bank's corporate division could offer cash pooling and receivables management to exporters.

Banks gain a proven lending and cash management stack used by more than 200 institutions, with platforms handling USD 1.2 trillion in loans and over 26 million transaction banking transactions a day. More than 2,700 lending product variants run on FinnOne Neo, and a local Hanoi entity supports delivery and procurement under Vietnamese rules.

Vietnamese banks and consumer finance companies are modernising lending and corporate cash management, adding AI to credit decisions and collections while tightening data compliance. A vendor with a local legal entity and an integration partner such as FPT can meet domestic procurement and delivery expectations.

Listed in India (BSE: 531209, NSE: NUCLEUS). Incorporated Nucleus Software Vietnam Company Limited in February 2026 with an office in Hanoi. Vietnamese customers include MB Bank and Vietcombank; FPT is a partner. Recognised by Gartner and Forrester. Founding year not stated on the fetched pages.