The Trust Economy goes live: Decentro's Omniscore debuts at Global Fintech Festival (GFF) 2025

Crowds gathered around Decentro’s booth at the Global Fintech Festival (GFF) 2025 experience centre, where the startup showcased Omniscore, a real-time behavioural intelligence platform that aims to redefine risk assessment for India’s digital financial ecosystem.

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Unlike typical fintech presentations filled with static product slides, Omniscore’s live demonstration featured live data streams analysing digital identity intelligence, behavioural patterns, device intelligence, and transactional tendencies. 

The system displayed how it processes and classifies digital interactions within milliseconds, marking the live debut of what CEO Rohit Taneja calls the ‘Trust Economy.’

From "Can he pay?" to "Will he pay?" 

Omniscore generates unified risk scores between 100 and 1,000 in less than 300 milliseconds, combining digital identity, device intelligence, behavioural indicators and financial activity. The resulting score categorises users into low-, medium- or high-risk bands, intended to support banks, lenders and fintech platforms in extending credit responsibly.

The approach shifts from the traditional “Can he pay?” model — based on salary slips, property records or credit bureau data — to “Will he pay?”, derived from analysing current digital behaviour. 

"Traditional risk scoring models are like judging a movie by its poster," Taneja explained.

"Behavioural intelligence is like watching the entire film in real-time. When you can accurately assess risk through digital behaviour rather than financial history, you can say 'yes' to people traditional systems would automatically reject."

India’s credit access challenge

The demonstration resonated with attendees, given India’s unique credit landscape. Despite more than 400 million smartphone users, a large section of the population remains outside the formal credit system.

Omniscore's three-layer architecture encompasses digital identity intelligence, financial credibility beyond credit scores, and employment validity in the gig economy. From traditional salaried employees to gig workers and digital entrepreneurs, the platform's behavioural analysis creates pathways to financial services previously unavailable.

Decentro said the model allows institutions to evaluate borrowers from diverse backgrounds, salaried professionals, gig workers and digital entrepreneurs, who are typically excluded from credit systems reliant on historical records.

Early results and fraud-detection capabilities

Before its public rollout, Omniscore was tested in several proof-of-concept environments. Early pilots showed a 70% success rate in identifying fraudulent activity, including mule accounts that bypassed conventional KYC and onboarding checks.

The product launch also coincides with a period of heightened concern about financial fraud.

According to industry estimates, India lost about Rs 15,000 crore to digital fraud in FY25. Financial institutions are now under pressure to enhance detection systems while maintaining access to credit.

"True financial inclusion isn't about lowering standards. It's about having better standards," Taneja emphasised.

"When you can accurately assess risk in real-time, you can expand access responsibly. This includes detecting sophisticated fraud patterns that standard diligence & verification misses entirely."

Positioning behavioural data as infrastructure

Decentro described Omniscore not as a single product but as a building block for India’s evolving financial infrastructure.

The startup estimates that around 200 million Indians currently considered “unbankable” could gain access to formal financial services through behavioural analysis instead of traditional credit histories. 

"What you witnessed today isn't just a product launch. It's the birth certificate of the Digital Trust Economy," Taneja concluded his presentation.

"When behavioural intelligence becomes the foundation for financial decisions, we're not just building better risk models. We're architecting the financial infrastructure for India's next growth chapter." 

The live demonstration proved that emerging markets don't just adopt global fintech innovations, they create them as well.

As financial institutions worldwide grapple with digital transformation and financial inclusion, India's constraint-driven solutions are becoming global templates.

The Trust Economy isn't coming. It arrived at GFF 2025, powered by real-time behavioural intelligence that makes financial services more accessible, more accurate, and more secure than ever before.