The Trust Economy Goes Live: Decentro’s Omniscore Debuts at Global Fintech Festival (GFF) 2025

Introduction: A New Era of Trust at GFF 2025

The Global Fintech Festival (GFF) 2025 witnessed the unveiling of something groundbreaking — Decentro’s Omniscore, a real-time behavioural intelligence platform that aims to redefine digital risk assessment for India’s financial ecosystem.

Crowds gathered at Decentro’s live demonstration booth, where real-time data streams showcased how digital identity, behavioural patterns, and device intelligence converge to generate actionable trust insights within milliseconds.

“What you witnessed today isn’t just a product launch,” said Rohit Taneja, CEO & Co-founder of Decentro.
“It’s the birth certificate of the Digital Trust Economy.”

What Is Omniscore? The Engine Behind the Trust Economy

Redefining Risk Through Behavioural Data

Unlike traditional risk models that rely heavily on historical financial records, Omniscore uses live behavioural signals to assess how trustworthy a user is right now.

It combines digital identity verification, device intelligence, behavioural analytics, and transactional trends to generate a unified risk score between 100 and 1,000 — in under 300 milliseconds.

From “Can He Pay?” to “Will He Pay?”

The innovation shifts the credit conversation from “Can he pay?” (based on salary, assets, or bureau data) to “Will he pay?” — derived from how a person interacts digitally.

As Taneja explained,

“Traditional scoring models are like judging a movie by its poster. Behavioural intelligence is like watching the film in real-time.”

This shift allows financial institutions to extend credit responsibly to millions who are often excluded from traditional systems.

Technology and Architecture: Real-Time Behavioural Intelligence in Action

Digital Identity, Device Intelligence, and Transactional Patterns

Omniscore’s platform captures multiple micro-signals — from device metadata and typing speed to login patterns and digital transaction frequency — to build a trust profile for every user.

Each interaction, whether it’s a UPI transaction, loan application, or wallet login, is analyzed in real-time to detect authenticity, intent, and behavioural consistency.

Unified Risk Scoring in Milliseconds

Omniscore’s proprietary system processes these inputs and generates a dynamic risk score (100–1,000) in under 300 milliseconds.
This enables banks, NBFCs, and fintechs to:

Approve loans in real time
Prevent fraudulent activity
Enhance underwriting accuracy

The outcome is instant, intelligent, and inclusive credit decisioning.

The India Context: Financial Inclusion Through Behavioural Data

Bridging the Credit Gap for the Unbanked and Gig Economy

India’s financial inclusion challenge remains vast: over 400 million smartphone users, but a large portion still outside the formal credit system.

Omniscore targets this segment — especially gig workers, freelancers, and new-to-credit individuals — who may lack traditional documentation but have strong digital behaviour footprints.

How Omniscore Redefines Eligibility Beyond Credit Scores

By analysing digital actions rather than historical records, Omniscore allows lenders to evaluate:

Salaried professionals with incomplete financial documentation
Gig workers and entrepreneurs without fixed incomes
Digitally active youth entering the financial ecosystem

In essence, Omniscore gives institutions new tools to say “yes” to borrowers previously deemed ineligible.

CEO Rohit Taneja’s Vision: Building the Digital Trust Economy

“Traditional Scoring Models Judge a Movie by Its Poster”

Taneja describes the legacy risk model as static and exclusionary.
In contrast, Omniscore’s real-time framework provides dynamic insights that evolve with user behaviour.

Trust as the New Infrastructure for Financial Inclusion

“True financial inclusion isn’t about lowering standards. It’s about having better standards,” said Taneja.
“When you can assess risk through behaviour, not history, you expand access responsibly.”

By positioning trust as infrastructure, Decentro envisions a future where data, behaviour, and ethics form the core of credit decisions — not just numbers on a bureau report.

Early Results: Fraud Detection and Real-World Pilots

70% Success Rate in Identifying Fraud During Pilot Phase

Before its public debut, Omniscore was tested in multiple proof-of-concept environments across banks and digital lenders.
The platform demonstrated a 70% success rate in detecting mule accounts, synthetic identities, and fraudulent onboarding attempts that traditional systems missed.

Combating India’s ₹15,000 Crore Digital Fraud Problem

India lost an estimated ₹15,000 crore to financial fraud in FY25.
With Omniscore’s real-time fraud detection, institutions can now flag anomalies faster — balancing credit access with security.

How Omniscore Works: The Three-Layer Architecture

Layer 1: Digital Identity Intelligence

Authenticates users by evaluating device signatures, login frequency, and digital consistency.

Layer 2: Financial Credibility Beyond Bureau Data

Analyses transaction histories, UPI behaviour, and income inflows to measure financial reliability — even for unbanked users.

Layer 3: Employment and Behavioural Validation

Verifies digital employment footprints, gig activity, and platform interactions to establish trustworthiness across non-traditional income sources.

Together, these layers make Omniscore a living, adaptive model — one that evolves with every interaction.

Positioning Omniscore as Financial Infrastructure, Not Just Software

Enabling Data-Driven Inclusion for 200 Million Potential Borrowers

Decentro estimates that over 200 million Indians currently considered “unbankable” could gain access to formal financial services through behavioural data analysis instead of rigid credit histories.

The Foundation of the Trust Economy

By enabling financial institutions to trust digital interactions, Omniscore lays the groundwork for a Trust Economy — where behaviour replaces paperwork and data becomes currency.

The Global Implications: India Leading Fintech Innovation

From Constraint-Driven Innovation to Global Fintech Templates

Omniscore’s debut at GFF 2025 proves that emerging markets aren’t just adopters — they’re innovators.
By turning infrastructural limitations into technological advantages, India is creating exportable fintech solutions that global markets can replicate.

Why Emerging Markets Are Setting the Next Standards for Trust and Access

As financial institutions worldwide grapple with inclusion and risk, India’s behavioural intelligence-led frameworks could set the global benchmark for ethical, data-driven credit systems.

Expert and Industry Reactions at GFF 2025

Real-Time Demo Leaves Fintech Leaders Impressed

The Omniscore demonstration was one of the most talked-about sessions at the GFF 2025 Experience Centre, where industry leaders praised its live scoring capabilities and fraud-detection precision.

The Dawn of Behavioural Risk Analytics

Experts hailed it as a turning point for financial decision-making, ushering in an era where risk models adapt in real-time and digital trust drives inclusion.

FAQs About Decentro’s Omniscore and the Trust Economy

1. What is Omniscore?
Omniscore is a behavioural intelligence platform by Decentro that assesses user trust in real time using digital, device, and behavioural data.

2. Who launched it and where?
It was launched by Decentro at the Global Fintech Festival (GFF) 2025 in Mumbai.

3. How does it differ from traditional credit scoring?
While traditional models analyse financial history, Omniscore analyses current digital behaviour to predict financial intent.

4. What problems does it solve?
It tackles financial exclusion and fraud detection, helping lenders make faster, safer, and more inclusive credit decisions.

5. How fast is Omniscore?
It generates a risk score between 100–1,000 in under 300 milliseconds.

6. What is the “Trust Economy”?
The Trust Economy refers to a new financial paradigm where behavioural data forms the basis of trust and inclusion in digital finance.

Conclusion: The Trust Economy Has Arrived

The launch of Omniscore at GFF 2025 marks a defining moment in India’s fintech evolution.
It’s not merely about smarter credit — it’s about reimagining trust itself.

By turning behavioural data into financial infrastructure, Decentro has introduced a framework that can expand inclusion, prevent fraud, and build a more transparent, data-driven economy.

The Trust Economy isn’t coming — it’s already here, powered by real-time behavioural intelligence that makes financial services more accessible, more accurate, and more human than ever before.

🔗 External Source: Global Fintech Festival

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