New Delhi, 15 October 2025 – BLS International, under its digital business, is ramping up technology investments to future-proof its digital services platform, with a strong focus on AI, cloud computing, and cybersecurity, as transaction volumes surge across its Business Correspondent (BC) and assisted service network.
Scaling for the Future of Digital Services
The company is integrating AI tools for model development, cloud infrastructure, cybersecurity, and system upgrades, designed to support a portfolio of over 300 citizen-centric services under the BC segment. In FY25 alone, BLS International’s digital arm, BLS E-Services, processed 140 million transactions with a gross transaction value (GTV) exceeding ₹87,000 crore, highlighting the scale at which its technology backbone must operate.
“Our asset-light model ensures rapid reach without heavy physical infra capex, but deliberate investments in AI, cloud, and cybersecurity are critical to keep pace with India’s digital surge,” said Shikhar Aggarwal, Chairman, BLS International. “We are building not just for today’s 140 million transactions, but for a future where scale will multiply several times as Bharat goes digital.”
AI-Driven Transformation in BC Operations
BLS recently integrated AI into the retailer onboarding process, addressing inefficiencies in traditional manual methods that delayed agent activation. AI has streamlined document verification, financial reviews, and agreement formalities, enabling faster, more secure onboarding, particularly in underserved regions. This aligns with BLS’s vision to advance financial inclusion and expand access to financial services for unbanked and underbanked populations.
Strategic Investments and Growth Outlook
The company’s Annual Report indicates that future capital expenditure will prioritize:
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Expanding cloud infrastructure
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AI-driven analytics
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Advanced cybersecurity frameworks
With the BC and assisted services sector projected to grow at 19% CAGR to reach ₹4.39 lakh crore by FY29, these technology investments are critical to sustaining growth.
Key Initiatives: BLS Buddy and BLS Sewa
BLS is rolling out BLS Buddy, an AI-powered virtual assistant providing real-time support to last-mile agents and enabling cross-sell opportunities in insurance, loans, e-learning, and healthcare. Additionally, the BLS Sewa app is expanding into a one-stop digital hub for government and citizen services.
Asset-Light Model Meets High-Tech Resilience
Over the last five years, BLS has maintained an asset-light approach, with minimal physical infrastructure as merchants owned or leased outlets. Recent technology-linked investments, including acquisitions like Aadifidelis, have strengthened proprietary platforms for e-governance and financial services delivery.
Industry analysts note that this strategic shift from low physical infra to deliberate digital infra investment positions BLS to combine low-cost reach with high-tech resilience, enabling it to compete effectively in India’s evolving financial inclusion ecosystem.
