Bandhan Bank partners with Salesforce for AI-driven digital transformation

Private lender Bandhan Bank has partnered with technology major Salesforce to enhance its loan origination systems and provide a more seamless digital banking experience.  

The bank, with a network of over 6,300 outlets across 35 states and union territories, has integrated multiple loan origination systems into Artificial Intelligence (AI)-driven platforms powered by Salesforce, streamlining the lending process. Since transitioning its Core Banking System in October 2023, Bandhan Bank has been accelerating its digital transformation, focusing on product innovation and operational efficiency. With Salesforce’s Lightning Platform for housing finance and Sales Cloud for commercial loans, the bank has optimised the loan process from onboarding to approval and disbursal.

AI plays a central role in this transformation, improving loan quality, trade finance, payment processing, fraud detection, and risk management. Automation and data-driven decision-making have helped the bank enhance efficiency and security while building a more robust financial ecosystem.

Arundhati Bhattacharya, President & CEO of Salesforce, South Asia, said, “As AI reshapes the industry, banks must innovate responsibly—ensuring trust, security, and inclusion remain foundational. With Agentforce, we are entering a new era of digital banking, where AI agents collaborate with humans to drive intelligent automation, optimise decision-making, and deliver hyper-personalised financial experiences at scale.”

Ratan Kumar Kesh, Executive Director & Chief Operating Officer of Bandhan Bank, said, “Through our partnership with Salesforce, we are building a scalable, AI-powered digital platform that enhances speed, agility, and operational excellence. By consolidating multiple LOS into best-in-class systems, we are optimising decision-making, accelerating loan approvals, and ensuring a seamless experience for our customers and employees.”

In a related development, Pothys Swarna Mahal, the jewellery arm of retail giant Pothys, has also collaborated with Salesforce to improve customer engagement through AI-driven solutions. By adopting Salesforce’s Marketing Cloud, Service Cloud, and Commerce Cloud, Pothys Swarna Mahal seeks to create a more personalised and integrated shopping experience across multiple digital and social platforms.