process automation

Ditch the complexity, embrace effortless automation.

Refo’s micro workflows automates complex processes helping Financial Institutions unlock new levels of efficiency in lending.

Visual, no-code micro workflow builder
Event-triggered automations
Pre-built fraud detection algorithms
50+ ready integrations
Robust exception management
Transform any data for underwriting

Effortless automation, uncomplicated lending.
Reduce follow ups, reduce errors, and boost productivity.

Customize workflows to your unique needs

Low-code/no-code flexibility

Automate simple or complex lending processes with drag-and-drop tools and minimal training.

Robust integrations & data infrastructure

Build on our comprehensive data foundation and pre-built integrations for seamless automation.

Fraud mitigation algos

Plug-and-play pre-built fraud detection algorithms into your workflows for enhanced security.

Plaid
Integrations
Plaid
Integrations
Plaid
Integrations
Plaid
Integrations

Mitigate risks, ensure compliance

Compliance reminders

Automate reminders for document submissions and other compliance tasks, reducing the risk of human error.

Exception management flows

Create automated escalation paths for failed checks or deviations, ensuring timely intervention and risk mitigation.

Maker-checker approvals

Implement robust approval mechanisms without the need for code modifications.

Unleash efficiency, reclaim your time

Event-driven actions

Trigger automated actions based on specific events, ensuring real-time responses and streamlined workflows.

Effortless automation

Automate repetitive, manual tasks across your lending process, freeing your team to focus on high-impact activities.

Lightweight & powerful

Designed for efficiency, we ensure minimal impact on system resources while maximizing productivity.

Hear what our customers say.

Refo reduces time to market

We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC

Saurabh Nigam
Saurabh Nigam
Group CTO, DMI Finance
Refo has impressed us with their support

Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.

Ruchi Sehgal
Ruchi Sehgal
SVP Lending & BaaS, HDFC Bank
Refo lets you design custom flows

In partnerships, you need a composable experience for each partner due to heterogeneous systems in the industry. Refo lets you design custom flows for each partner using the flow builder in their product.

Sanmesh Kalyanpur
Sanmesh Kalyanpur
Head of Partnerships, Tata Capital
Refo reduces time to market

We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC

Saurabh Nigam
Saurabh Nigam
Group CTO, DMI Finance
Refo has impressed us with their support

Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.

Ruchi Sehgal
Ruchi Sehgal
SVP Lending & BaaS, HDFC Bank
Refo cuts down policy change TAT by at least 70%

Refo has an advanced decisioning platform that gives control directly to the risk teams, cutting down on policy change TAT by at least 70%. It is one of the most nimble decisioning engines with built in workflow available in the industry today.

Himanshu Jaggi
Himanshu Jaggi
Head of Product, Truebalance
Refo reduces time to market

We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC

Saurabh Nigam
Saurabh Nigam
Group CTO, DMI Finance
Refo has impressed us with their support

Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.

Ruchi Sehgal
Ruchi Sehgal
SVP Lending & BaaS, HDFC Bank
Refo lets you design custom flows

In partnerships, you need a composable experience for each partner due to heterogeneous systems in the industry. Refo lets you design custom flows for each partner using the flow builder in their product.

Sanmesh Kalyanpur
Sanmesh Kalyanpur
Head of Partnerships, Tata Capital
Refo reduces time to market

We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC

Saurabh Nigam
Saurabh Nigam
Group CTO, DMI Finance
Refo has impressed us with their support

Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.

Ruchi Sehgal
Ruchi Sehgal
SVP Lending & BaaS, HDFC Bank
Refo cuts down policy change TAT by at least 70%

Refo has an advanced decisioning platform that gives control directly to the risk teams, cutting down on policy change TAT by at least 70%. It is one of the most nimble decisioning engines with built in workflow available in the industry today.

Himanshu Jaggi
Himanshu Jaggi
Head of Product, Truebalance
Refo reduces time to market

We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC

Saurabh Nigam
Saurabh Nigam
Group CTO, DMI Finance
Refo has impressed us with their support

Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.

Ruchi Sehgal
Ruchi Sehgal
SVP Lending & BaaS, HDFC Bank
Refo lets you design custom flows

In partnerships, you need a composable experience for each partner due to heterogeneous systems in the industry. Refo lets you design custom flows for each partner using the flow builder in their product.

Sanmesh Kalyanpur
Sanmesh Kalyanpur
Head of Partnerships, Tata Capital
Refo cuts down policy change TAT by at least 70%

Refo has an advanced decisioning platform that gives control directly to the risk teams, cutting down on policy change TAT by at least 70%. It is one of the most nimble decisioning engines with built in workflow available in the industry today.

Himanshu Jaggi
Himanshu Jaggi
Head of Product, Truebalance

With Refo, leading Financial Institutions have experienced...

3x
Faster
Customer onboarding speed
30%
Increase
In customer conversions
60%
Reduction
In tech costs
50%
Reduction
In backend process TAT
Visual, drag-and-drop builder
Event-based triggers
Pre-built algorithms
Compliance on auto-pilot