Jio Finance Platform and Service Ltd., a wholly-owned subsidiary of Jio Financial Services Ltd., has announced the launch of the all-new JioFinance app, positioning it as a next-generation, AI-powered financial services marketplace. Through ‘Finsider’, an exclusive early access programme, select users will get the first opportunity to experience the platform and share feedback to help shape its evolution. 

AI-led hyper-personalisation 

Moving beyond the conventional model of listing financial products in a generic format, the new JioFinance app leverages Agentic AI and neural networks to deliver a hyper-personalised, real-time and always-on financial experience. 

The company said the platform is powered by an ecosystem of 15 AI agents and around 70 decision-making engines. These systems evaluate user intent, eligibility and financial context in real time to generate tailored recommendations, transitioning from simply displaying offers to computing optimal financial outcomes for users. 

The app will function as a digital storefront offering a diversified suite of products from JFSL group companies and partner financial institutions.   The JioFinance app moves away from static layouts, ensuring that no two users see the same home screen if their financial profiles and needs differ.  

It also features a natural language interface, enabling users to type their financial requirements in a chat bar to discover and access relevant products, reducing the need to navigate multiple screens. 

Rewards and upcoming features 

The platform introduces ‘JioPoints’, a rewards programme under which users can earn points on transactions conducted via the app and redeem them against a curated rewards catalogue. 

Additional features in the pipeline include: 

Financial Fitness Score: A comprehensive index assessing financial health based on spending, borrowing, insurance cover, wealth creation and tax compliance. 

Personal CFO for Bharat: A conversational advisory feature designed to provide actionable financial guidance and enable users to execute recommendations. 

Autonomous Execution: Tools to automate recurring payments and investments through simplified workflows. 

Exclusive Membership Programme: Offering assured value-back benefits on products and services availed through the app. 

Hitesh Sethia, Managing Director and Chief Executive Officer of Jio Financial Services Limited, said the company aims to democratise access to intelligent finance. “We believe intelligent finance should be a basic right of all citizens. With the paradigm shift in finance, we are putting Bharat at the heart of everything we build. As a hyper-personal and intelligent marketplace for financial services, the new JioFinance app aims to remove the noise and friction that many experience while navigating a complex financial landscape. This is a platform designed to empower every Indian with unbiased and actionable financial intelligence, enabling them to take control of their financial destiny with transparency and trust,” he said.