Disseqt AI has announced a strategic partnership with HCLTech and Microsoft to accelerate the adoption of agentic AI across the banking and financial services sector. The collaboration aims to support banks that are modernizing legacy systems and shifting toward more autonomous, data driven decision making.
The Bengaluru based startup specializes in building AI agents that assist banks with structured decision flows, regulatory processes and high volume operational tasks. The company works closely with financial institutions to identify areas where multi step tasks can be automated under human supervision. According to Disseqt AI, this approach helps institutions reduce operational bottlenecks while maintaining compliance requirements.
The emerging interest around agentic AI comes at a time when banks globally are looking beyond chatbots and basic automation. Industry analysts report that financial institutions are now exploring multi agent systems that can analyze information, trigger workflows, take contextual actions and collaborate with internal applications. These capabilities are expected to support lending, customer verification, fraud monitoring, collections and internal governance.
As part of the collaboration, Disseqt AI is integrating its agent based architecture with HCLTech’s domain expertise and Microsoft’s cloud and AI infrastructure. The joint effort focuses on helping banks shift to a supervised automation model where human in the loop guardrails are built into every step.
Executives involved in the partnership said that banks often face challenges when deploying advanced AI because of siloed data systems, outdated compliance frameworks and the need to maintain strict auditability. They added that agentic AI, when implemented with clear boundaries and monitoring, can help financial institutions transition from manual, ticket based processes to autonomous workflows that still follow industry regulations.
One of the areas gaining early traction is credit operations. Disseqt AI’s platform supports the analysis of borrower documents, verification steps, risk checks and decision summaries. Teams that previously handled these tasks manually can now review AI generated assessments and approve the final outcome. The system is designed to record each step of the process to ensure transparency for auditors.
Fraud prevention is another use case where banks are testing agentic AI. The startup claims that its agents can detect unusual activities by correlating transaction behavior, customer history and external risk signals. The agents then escalate only high impact anomalies to analysts, improving the efficiency of fraud teams. These capabilities operate on Microsoft Azure and integrate with existing security tools used by banks.
The partnership also includes joint development programs with HCLTech’s engineering teams. These efforts aim to build reusable financial services components that banks can deploy without extensive customization. The companies believe that this approach will make AI adoption easier for tier 1 and mid sized banks in India and overseas markets.
Industry experts say that the entry of specialized agentic AI companies such as Disseqt AI indicates a shift in enterprise AI maturity. Banks are no longer only experimenting with generative tools but are beginning to explore operational agents that work across departments. They caution, however, that governance requirements will remain central to any rollout in the financial sector.
According to analysts, the involvement of firms like Microsoft signals growing confidence in agentic AI as a long term enterprise capability. Azure already offers compliance frameworks, security protocols and model monitoring tools, which financial institutions require before integrating any AI system at scale.
Disseqt AI stated that the collaboration is aligned with its mission to help banks upgrade to decision ready infrastructure. The company noted that while many financial institutions have advanced analytics systems, they often lack the orchestration layers that enable continuous decision making. Its agent based model is designed to connect these layers and standardize processes across teams.
HCLTech’s banking clients are expected to be among the early users of the combined offering. Executives say that the company’s presence across global financial hubs makes it well positioned to deploy agentic solutions for institutions undergoing digital transformation.
Microsoft’s participation includes providing foundational cloud, AI services and technical guidance for deployment. The company has been expanding its enterprise AI partnerships in India, focusing on regulated sectors where responsible AI frameworks play a critical role.
The partnership arrives at a time when banks are managing increased demand for faster onboarding, real time decisioning and high touch digital support. Agentic AI is being positioned as a way to address this demand without increasing workforce size or compromising compliance.
Market observers expect more collaborations of this kind as financial institutions evaluate the next phase of AI driven modernization. With regulatory expectations rising and operational costs increasing, banks are looking for solutions that balance automation with oversight.
The companies involved said they will continue to invest in research and development to strengthen their joint capabilities. The rollout will include pilot programs, training modules and enterprise deployment guides for banking customers.
The partnership underscores the growing importance of agentic AI within the financial services sector and highlights the increasing role of Indian startups in enterprise AI innovation.