VIP Apps Consulting and Salesforce target “Agentic Asset Finance” transition

VIP Apps Consulting and Salesforce have outlined a new strategic approach aimed at helping asset finance firms transition towards what they describe as “Agentic Asset Finance”, combining AI-driven automation with process optimisation and regulatory oversight.

The initiative brings together Salesforce Financial Services Cloud (FSC), Agentforce for Financial Services and VIP Apps Consulting’s proprietary AMOBI optimisation framework to help lenders modernise operations while addressing the technical debt and fragmented systems that often hinder digital transformation programmes.

According to the companies, a key challenge for many firms is that AI is frequently layered onto inefficient legacy processes, creating the risk of automating poor decision-making rather than improving it.

Daypesh Patel, MD of VIP Apps Consulting, said firms needed to focus on process optimisation before automation.

“Technology alone isn’t a strategy,” he said. “To achieve an agentic state, firms must first address the underlying business process logic — if the foundation is sub-optimal, AI only accelerates the wrong outcomes.”

The approach centres on consolidating lending operations within a single platform using Salesforce’s industry-specific infrastructure for financial services. By combining FSC data models with Digital Lending and Originations workflows, firms can manage the full lending lifecycle within a unified system.

The addition of Agentforce for Financial Services is intended to allow autonomous AI agents to reason through data, execute tasks and support decision-making with full auditability and governance.

Desislava Eneva, solutions engineer for Salesforce, said the partnership aimed to provide asset finance firms with a practical framework for adopting agentic AI.

“Agentforce Financial Services gives Asset Finance firms the industry-specific foundation they need to move from a passive system of record to an active, agentic platform,” she said.

“When combined with the right process expertise, it enables autonomous agents to reason through lending decisions with the speed, precision, and full auditability that regulators require.”

The companies said initial AI deployments are likely to focus on areas such as document processing and servicing, but argued the most significant operational gains would come from applying AI within the credit underwriting process.

To manage regulatory and operational risk, the transition model is based on smaller, structured cohorts of low-risk straight-through processing (STP) cases, with firms maintaining human oversight and explainability throughout the decision-making process.

Performance improvements are expected to be measured through metrics including finance auto-approval rates, reductions in deal-to-payment times and improvements in cost-to-serve ratios.

As part of the initiative, VIP Apps Consulting and Salesforce are offering a half-day Salesforce AI Readiness Review designed to help leadership teams assess process bottlenecks, evaluate existing technology stacks and identify priorities for AI-enabled operational transformation.