Yes — the AI alternative to Infosys BPM is a document automation platform you run yourself, rather than a large outsourcer's managed financial-process practice. Kolena deploys AI agents that read financial documents and return structured data with field-level citations and a full audit trail, giving banks and insurers the automation Infosys BPM offers as software they control.
Infosys BPM has strong proprietary AI, so the comparison is delivery model — AI inside a managed service versus a platform you own — not AI versus no-AI.
This is part of a series of articles about BPO Replacement.
What Infosys BPM Does
Infosys BPM is the business-process arm of Infosys, with deep financial-services, banking, and insurance practices. It manages the full claims lifecycle with AI-powered document extraction and fraud analytics, handles policy administration across endorsements, billing, and renewals with straight-through processing, and supports banking operations with operating-model transformation and compliance. It builds much of this on proprietary platforms like Nia AI and AssistEdge, with a dedicated life-insurance unit in Infosys McCamish.
Its strength is the pairing of large-scale delivery with mature in-house AI tooling. For a large institution that wants a partner to run claims or policy administration end to end with embedded automation, Infosys BPM is a capable, established choice.
Where the Offshore Model Falls Short
The constraints come from the managed-service structure. The AI is delivered through Infosys BPM's teams and commercial model, so you consume it rather than configuring and running it, and changes route through the vendor on its timeline. Cost is anchored to headcount, rising with India wage inflation near 9.5% a year and scaling with volume. Throughput follows staffed capacity. And when extraction lives inside the vendor's platform, the audit trail and the field-to-source citations live there too — useful while you're a customer, less portable when you want the logic and evidence in your own environment.
How Kolena Compares
Kolena gives you the AI directly: configure the rubric, run the agents, own the cited output and audit trail. The market is moving this way — MIT's Project NANDA study (Aug 2025) found early enterprise AI is predominantly replacing outsourced, offshore work, with firms cutting $2–10M in annual BPO spend, and HFS Research found three in four leaders expect to pivot from staff-augmentation to AI-led delivery within two years. In lending document review, one Kolena private-lending customer cut UCC filing review labor by 96%, and one PE customer uses Kolena for IC memo drafting and data-room due diligence.
| Factor | Infosys BPM | Kolena |
|---|---|---|
| Delivery model | Offshore or managed staffing billed per seat, FTE, or transaction | AI agents you configure once and run on demand |
| Typical turnaround | 2–5 business days per batch | Minutes to hours |
| Cost trajectory | Rises with headcount and India wage inflation (~9.5%/yr) | Software cost; flat as volume scales |
| AI approach | AI delivered through proprietary platforms inside a managed service | A native AI platform you deploy and control directly |
| Output consistency | Varies by analyst; non-voice BPO attrition runs 15–30% | The same rubric applied identically on every run |
| Source citations | Manual QC; source linking is limited or absent | Field-level citation to the exact location in each document |
| Data residency | Typically processed offshore | Onshore, SOC 2 Type II, no training on customer data |
| Ownership | Vendor owns the process and the people | You own the rubric, template, and full audit trail |
The decisive distinction for regulated financial work is ownership of the evidence: with Kolena, every field-level citation and the full audit trail sit in your environment, not the vendor's.
Who Should Consider Switching
If you want to fully outsource a financial process — staffed claims operations, end-to-end policy administration — and you're comfortable consuming AI through a vendor, Infosys BPM is well suited. Move to a platform when you want to own and tune the extraction logic, when you need the citations and audit trail inside your own systems, when onshore processing is required, or when you're consolidating several outsourced document workflows onto one platform you control. The core question is whether you want to rent a managed process or run the software.
How Kolena Works
Kolena is an AI document automation platform built for banking, financial-services, and insurance teams. Rather than staffing or outsourcing a team to read your documents, Kolena deploys AI agents that read your files, apply your specific rubric or extraction template, and return structured outputs — with every field cited to its exact location in the source document.
It reads claims, policies, loan files, statements, and data-room documents in any format and pushes structured output into your policy admin, core banking, and analytics systems. Every run produces a full audit trail: not just what was extracted, but the specific clause, line, or figure that justified each data point. SOC 2 Type II certified, onshore processing, no training on customer data.
Where Infosys BPM delivers AI inside a managed service, Kolena gives you the platform — the same cited financial document data, configured, run, and owned by your team.
