Jio Financial unveils Finsider, invite-only test-and-earn access to its AI-powered JioFinance app

Jio Financial opens early access to its AI-driven JioFinance app

On February 27, 2026, Jio Finance Platform and Service Ltd (JFPSL), a subsidiary of Jio Financial Services Ltd, launched Finsider-an invitation-only early access program for the revamped JioFinance app. The aim is clear: deepen distribution across lending, payments, and investments through a single interface.

What the app offers today

• Digital marketplace for home loans, personal loans, loans against securities, credit cards, insurance, UPI payments, mutual funds, fixed deposits, and digital gold-personalized using AI.
• Rewards engine: users earn "JioPoints" on transactions, redeemable against a catalog of rewards.
• Chat-led discovery: type what you need and see relevant products instead of tapping through multiple menus.
• Distribution reach: integrated with the MyJio super-app; first launched in May 2024, the JioFinance app has crossed six million users.

Features in development

• Financial Fitness Score to assess a user's financial health.
• Automation tools for recurring payments and investments.

Why this matters for finance leaders

• AI-personalized matching can reduce acquisition friction and lift cross-sell rates inside a marketplace model.
• A single pane across lending, payments, and investments pressures incumbents' distribution economics.
• A Financial Fitness Score hints at new underwriting, PFM, and advice use cases-raising questions on explainability, consent, and model risk.
• Rewards plus chat UX can speed decisions; monitor incentive gaming, adverse selection, and complaint volumes.

Immediate questions to ask

• Partnerships: Will your loans, cards, insurance, or funds be listed or distributed through this marketplace? On what terms?
• Data and consent: How is user data shared across entities, and what is the consent flow for personalization and scoring?
• Compliance: How do KYC, UPI, and digital lending guidelines apply within a super-app flow and chat interface?
• Unit economics: What do JioPoints redemptions imply for take rates, CAC, and LTV?
• Operations: Are service, risk, and dispute workflows ready for chat-first interactions at scale?

Market signal

The announcement landed after market hours. Jio Financial Services closed at ₹254.90, down 0.49% for the day.

Further reading

• AI for Finance - tools, case studies, and practical uses of AI across lending, payments, and investments.
• AI Learning Path for Finance Managers - plan pilots, model oversight, and rollout strategies.
• NPCI: UPI overview - context on the payments rail referenced by the app.