Aixtor India

There’s a phrase that gets thrown around a lot in regulated industries: “If it ain’t broke, don’t fix it.” There’s a phrase that gets thrown around a lot in regulated industries: “If it ain’t broke, don’t fix it.”

For years, that philosophy kept thousands of healthcare portals, financial services platforms, and government citizen-facing websites running on aging infrastructure. Legacy Liferay instances from versions 6.2 or 7.0, held together with customizations, workarounds, and institutional memory. Systems that technically worked — but quietly accumulated risk with every passing quarter.

In 2026, that philosophy is finally breaking down. And honestly? It’s long overdue.

Across healthcare, finance, and government, organizations are no longer asking whether to migrate. They’re asking how fast they can get it done — and what the smartest path through Liferay migration services looks like for their specific situation. Here’s why the urgency has reached a tipping point, and what’s driving the fastest-moving organizations ahead.

In today's fast-evolving financial landscape, Non-Banking Financial Companies (NBFCs) face growing pressure to deliver faster, smarter, and more personalized lending experiences. Customers expect instant loan approvals, paperless onboarding, real-time application tracking, and seamless digital interactions across every touchpoint.

While Loan Origination Systems (LOS) have become the backbone of digital lending operations, many NBFCs still struggle with fragmented customer journeys. Borrowers often interact with disconnected platforms, resulting in poor user experiences and operational inefficiencies.

This is where Liferay DXP (Digital Experience Platform) plays a transformative role.

By integrating Liferay DXP with Loan Origination Systems, NBFCs can create unified digital experiences that connect customers, employees, agents, and partners through a single platform. Many organizations partner with experienced liferay consulting companies to implement these integrations efficiently and accelerate digital transformation initiatives.

There's a question worth sitting with before we talk about AI, personalization, or any other technology trend: When was the last time a digital portal genuinely surprised you — in a good way?

Not just worked. Not just loaded quickly. But actually felt like it understood who you are, what you needed in that moment, and gave it to you before you had to go looking?

For most people, the honest answer is: not often enough. And that gap — between the portal experience customers get and the one they quietly expect — is exactly what Liferay's AI-powered customer portal solutions are now closing in 2026.

The Problem With "Functional"

For years, enterprises built customer portals around a simple goal: give customers access. Log in. See your account. Download your invoice. Submit a ticket. Done.

Functional? Yes. Memorable? Rarely. Human? Almost never.

The result is a generation of portals that technically work but emotionally miss. Customers still call support for things that should be self-service. They dig through menus to find information that should surface automatically. They abandon tasks halfway through because the experience wasn't built around how they actually think — it was built around how the system was structured.

That's the old model. And in 2026, it's no longer acceptable.

Modern customer portal solutions aren't just access points. They're relationships. And like any good relationship, they work best when one party is paying close attention to the other — learning preferences, remembering history, and showing up with the right thing at the right time.

What "AI-Powered" Actually Means in a Portal Context

When most people hear "AI in a portal," they assume chatbots. A little widget in the corner that answers FAQs and escalates to a human when it gets confused. Useful, certainly. But that's the shallow end.

The deeper transformation happening inside platforms like Liferay DXP is behavioral intelligence — AI that doesn't just respond to what customers ask, but learns from how they move, what they ignore, where they slow down, and what they return to. Then it uses all of that to reshape the experience in real time.

One bank using Liferay as its customer portal addressed this by integrating AI to identify financial profiles in real time, displaying alerts to users with overdue products and offering proactive recommendations to those with investment capacity. The portal wasn't waiting to be asked. It was already paying attention.

An insurance company took a similar approach — redesigning their Liferay customer portal so that each user saw a unique dashboard based on their transaction history. If a claim had been initiated, that information appeared first; if not, the focus shifted to promotions or new services.

This is what intelligent customer self service portal design looks like in practice. Not a fixed dashboard that every user sees regardless of context. A living interface that adapts to each individual session — shaped by who the person is, what they've done before, and what they're most likely to need today.

The Human Center of the Machine

Here's something important that often gets lost in conversations about AI: the technology is only meaningful if it makes people feel more seen, not less.

There's a version of AI-driven personalization that feels intrusive — like a portal that knows too much and uses it in ways that feel uncomfortable. That's not the goal. The goal is relevance without surveillance. Helpfulness without creepiness. Organizations that succeed will not be those with the most data, but those who can transform data into meaningful, human-centered interactions.

Liferay's approach to this is grounded in something practical: the unified customer profile. Before any personalization can happen, the platform builds a complete picture of who the customer is — drawing from CRM systems, order history, support interactions, behavioral data, and more. Liferay enriches these profiles with external data from systems like Salesforce to power AI-driven personalization strategies and predict future behaviors for more effective targeting.

The result is a self service customer portal that feels less like a website and more like a knowledgeable colleague. One who knows your account inside out, remembers what you worked on last time, and directs you straight to what matters — without making you start from scratch every single visit.

Personalization at Every Stage of the Journey

One of the most powerful shifts in modern Liferay customer portal solutions is that personalization now spans the entire customer lifecycle — not just the marketing funnel.

Onboarding is where many portals lose customers before the relationship even begins. A new user dropped onto a generic dashboard with no guidance is a customer at risk. Liferay helps get customers to value faster with journey mapping that creates personalized step-by-step onboarding experiences at scale — combined with process automation and segmentation to curate relevant product information automatically for different types of customers.

Day-to-day self-service is where the volume lives. Order tracking, invoice access, support ticket submission, account updates, document retrieval. A customer self service portal built on Liferay enables customers to place orders, process returns, check shipment status, make warranty claims, schedule appointments, update personal preferences, and access sensitive documents securely — all through a single gateway. Every one of these transactions is an opportunity to reduce effort and build loyalty — or to frustrate and erode it.

Retention and growth is where intelligent customer portals become genuinely competitive. As we look toward 2026, the evolution shifts from personalization to true anticipation — AI that proactively surfaces a contract renewal module 90 days before expiry, detects signs of user frustration like repeated failed login attempts or rapid page bouncing, and triggers a live chat invitation before the customer ever decides to leave.

That last part deserves a moment. A portal that notices a customer struggling and reaches out first — before they close the tab in frustration — is a portal that's doing something genuinely human.

What This Means for Your Support Team

There's a practical business case underneath all of this that every operations leader should care about: when a customer self service portal genuinely works, it changes what your support team does every day.

The routine questions — order status, account balance, password resets, document requests — get handled by the portal. Customers get immediate answers, 24 hours a day, without waiting in a queue. Your agents, meanwhile, get to do the work they're actually good at: complex problem-solving, relationship management, the conversations that genuinely require human judgment and empathy.

As user expectations grow, personalization becomes essential rather than optional. Liferay's AI uses behavior-based segmentation, drawing on customer profiles, interaction history, and journey data — with content adapting dynamically based on user activity, dashboards aligning with individual roles, and engagement improving through contextual, behavior-driven experiences.

The downstream effect is measurable. Lower support ticket volumes. Higher first-contact resolution rates. Better CSAT scores. And a team that isn't burning out answering the same five questions on repeat.

Low-Code Means the Portal Keeps Up With Your Business

Here's a challenge that every enterprise portal team knows well: the business changes faster than the portal does. A new product launches. A compliance requirement shifts. A customer journey needs updating. And suddenly there's a backlog of portal changes waiting for the next development sprint.

Liferay's low-code tools break that cycle. The rise of low-code capabilities inside Liferay means business teams can make changes — update content, tweak layouts, create workflows — without heavy developer involvement, helping IT teams focus on innovation while marketing and operations can move faster independently.

For a customer portal solution to remain genuinely useful, it has to stay current. A portal that was personalized six months ago but hasn't been updated since is already falling behind. Low-code empowers the people closest to the customer — marketing, customer success, product teams — to keep the portal relevant without every change becoming an IT project.

The New Standard Is Already Here

The enterprises seeing the most impact from their Liferay customer portal investments in 2026 share a common mindset. They stopped thinking of the portal as a cost-reduction tool and started thinking of it as a relationship engine. They stopped asking "what can customers do here?" and started asking "how does this portal make our customers feel?"

Personalization today means designing experiences that evolve in real time, deeply understanding the user journey, anticipating needs at each stage, and even surprising users with proactive recommendations before they ask — using behavioral data, context, and history to dynamically adapt, prioritize, and display content.

That's the new standard. Not functional. Not adequate. Not "good enough." Genuinely intelligent, continuously improving, and unmistakably human in the way it treats every person who logs in.

AI makes it possible. But the goal — every time, without exception — is to make a real person's day a little easier.

That's a standard worth building toward.

The Indian financial services industry is going through one of its biggest transformations yet. While traditional banks continue to modernize, Non-Banking Financial Companies (NBFCs) are quietly becoming the real champions of digital customer experience.

In 2026, customers no longer choose a lender based only on interest rates. They expect instant approvals, seamless onboarding, personalized offers, transparent communication, and support available whenever they need it. The NBFCs that understand this shift are growing faster than ever.

From AI-powered loan approvals to WhatsApp-based customer service and embedded finance ecosystems, India’s leading NBFCs are redefining how lending works. Their focus is no longer just on providing credit it is about delivering a frictionless digital journey.

If you've been running Liferay DXP for any length of time, you know that not every release demands your immediate attention. Some quarterly updates come and go with minor improvements, a few new widgets, and a handful of bug fixes. You note them, schedule a routine patch, and move on.

The 2026.Q1 LTS release is not one of those updates.

This is the release that Liferay has been quietly building toward for the past two years — and if you're responsible for your organization's Liferay environment, whether as an IT leader, a developer, or someone relying on a trusted Liferay consultant, it's time to sit up and pay close attention. Here's why this release changes the game, and what it means for your upgrade and migration plans.

First, What Does LTS Actually Mean?

Before diving into what's new, it's worth clarifying what the "Long-Term Support" label actually means in practice. The 2026.Q1 release comes with five years of support for subscribers — making it the most stable and supported foundation Liferay has offered in its quarterly release cadence. For enterprises that can't afford to upgrade every quarter, this is a significant relief. You get a stable, well-maintained target to build on, with three or more years to execute your modernization plan thoughtfully — without panic, without shortcuts.

For teams that have been holding off on Liferay upgrade services because the timing never felt right, the LTS window makes 2026.Q1 the most compelling upgrade target to date.

The Headline: A Brand New Headless CMS

The single biggest change in this release is the general availability of Liferay's new headless Content Management System — a fully modern, API-first CMS that replaces several legacy content tools that have been part of the platform for years.

This isn't a minor facelift. The new Liferay CMS separates content from the presentation layer entirely, meaning the same content can now be created once and delivered across websites, mobile apps, customer portals, and any channel that can consume an API. It's built on Liferay Objects, so content is stored as structured, reusable data rather than static page-bound blocks.

For organizations managing global digital experiences — multi-language, multi-brand, multi-site — this is transformational. The new CMS introduces "Spaces" as organizational units, giving content teams a dedicated environment for creating, managing, and collaborating on assets with built-in AI-powered translation tools for localization.

If you've been building on legacy Web Content structures, this is your signal to start planning. Legacy tools like Web Content, Blogs, and Documents & Media are now in maintenance mode — meaning they'll continue to work, but won't receive new development. All future innovation flows into the new headless CMS architecture.

What's Being Deprecated — And Why It Matters

Alongside the CMS launch, 2026.Q1 brings several deprecations that every Liferay team needs to understand before upgrading.

Local Segment Authoring is deprecated. If your personalization strategy relies on building and managing user segments directly inside Liferay DXP, that workflow is changing. New installations are read-only by default, and Liferay is directing all segmentation work to Liferay Analytics Cloud going forward. This is a bigger shift than it sounds — segment migration takes time, coordination, and in most cases, the guidance of an experienced Liferay consultant who understands both platforms.

Publications has entered maintenance mode. Teams using branch-based staged publishing workflows should note that Publications won't receive further development, and it does not currently track changes made in the new headless CMS. These two systems are disconnected in 2026.Q1.

The important thing to understand about maintenance mode is this: nothing breaks overnight. Your existing implementations continue to work. But every day you invest in building on these legacy tools is a day spent going in the wrong direction. The smart move is to begin planning your content architecture around the new CMS now, not after a crisis forces your hand.

Why This Makes Liferay Migration Services More Critical Than Ever

Here's the honest truth: the 2026.Q1 release is a strategic milestone for Liferay, and it introduces more meaningful change than many teams realize when they skim the release notes.

For organizations running Liferay 7.2, 7.3, or 7.4 — or those still on older on-premise deployments — this release is a compelling reason to finally invest in professional Liferay migration services. The gap between where many organizations are running today and where the platform is heading has never been wider. Bridging that gap requires more than a simple version bump; it requires a structured migration plan that accounts for content architecture, custom code dependencies, segmentation workflows, integration touchpoints, and team readiness.

The organizations that treat this as a migration project — not just a maintenance upgrade — will come out the other side with a cleaner, more future-ready implementation. Those that try to lift-and-shift their legacy setup onto the new LTS release without addressing technical debt are likely to find themselves in a difficult position when the next round of deprecations arrives.

AI Is Now a First-Class Citizen

One more thing that makes this release genuinely exciting: Liferay AI Hub has matured significantly alongside this LTS drop. The platform now supports configurable AI agents that can automate content tagging, route support tickets, manage audience segmentation, and generate content — all within a low-code environment that doesn't require deep development expertise.

This is Liferay DXP evolving from a platform that delivers experiences to one that actively orchestrates them. AI copilots now assist with content creation, page design, and workflow automation. The platform connects to leading large language models including ChatGPT, Gemini, and Claude. And Liferay has achieved ISO 42001 certification for AI Management Systems — making it one of the first DXP vendors globally to meet that benchmark.

For enterprises in regulated industries — healthcare, financial services, government — this responsible AI posture matters. It's not just about capability; it's about governance, compliance, and trust.

What Should You Do Now?

If you're already on Liferay DXP, the 2026.Q1 LTS release gives you a clear, stable target for your next upgrade cycle. The three-to-five-year support window means you don't need to rush — but you do need to start planning. Specifically:

Audit your current content architecture and identify what maps cleanly to the new headless CMS and what needs to be rebuilt.

Assess your segment strategy and begin planning the migration to Analytics Cloud.

Review any custom OSGi modules or tightly coupled code that could create friction during the upgrade — Client Extensions are the recommended path forward.

If you're on a legacy version (7.x or older), engage a certified Liferay consultant early to assess the scope of your upgrade and avoid costly surprises mid-project.

If you're evaluating Liferay DXP for the first time, the timing couldn't be better. You'd be building on the most modern, well-supported version of the platform — one architected for headless delivery, composable experiences, and AI-driven personalization from day one.

The Bottom Line

Every so often, a software release comes along that isn't just an update — it's a pivot point. Liferay DXP 2026.Q1 LTS is that release. The new headless CMS represents a fundamental architectural shift. The deprecations clear the runway for a cleaner, more composable platform. The AI capabilities signal where enterprise digital experience is heading. And the LTS support window gives organizations the time and stability to make this transition properly.

Whether you need Liferay upgrade services to move from an older version, Liferay migration services to shift from on-premise to cloud, or simply a knowledgeable Liferay consultant to help you plan your roadmap — the message is the same: now is the time to act thoughtfully, not reactively.

In today's fast-evolving financial landscape, Non-Banking Financial Companies (NBFCs) face growing pressure to deliver faster, smarter, and more personalized lending experiences. Customers expect instant loan approvals, paperless onboarding, real-time application tracking, and seamless digital interactions across every touchpoint.

While Loan Origination Systems (LOS) have become the backbone of digital lending operations, many NBFCs still struggle with fragmented customer journeys. Borrowers often interact with disconnected platforms, resulting in poor user experiences and operational inefficiencies.

This is where Liferay DXP (Digital Experience Platform) plays a transformative role.

By integrating Liferay DXP with Loan Origination Systems, NBFCs can create unified digital experiences that connect customers, employees, agents, and partners through a single platform. Many organizations partner with experienced liferay consulting companies to implement these integrations efficiently and accelerate digital transformation initiatives.

Understanding the Role of Loan Origination Systems in NBFCs

A Loan Origination System is designed to manage the end-to-end lending process, including:

Loan applications

Customer onboarding

KYC verification

Credit assessment

Risk evaluation

Document management

Approval workflows

Loan disbursement

Modern LOS platforms help NBFCs automate lending processes and improve operational efficiency. However, most LOS solutions are primarily built to manage backend workflows rather than deliver exceptional customer experiences.

Customers today don't simply want a loan—they want a seamless digital journey.

This gap between operational efficiency and customer experience is exactly where Liferay DXP adds value.

Why NBFCs Need a Digital Experience Layer

Imagine a customer applying for a personal loan.

Without an integrated digital experience platform, the process often involves:

Multiple logins

Different interfaces

Repeated document submissions

Limited visibility into application status

Delayed communications

These friction points can lead to customer frustration and abandoned applications.

Liferay DXP acts as a centralized digital experience layer that sits above the LOS, providing a modern and personalized interface while securely connecting with backend lending systems.

The result is a unified ecosystem where customers enjoy a smooth journey while NBFCs maintain control over their lending operations.

How Liferay DXP Integrates with Loan Origination Systems

One of the biggest strengths of Liferay DXP is its flexibility and integration capabilities.

Using APIs, microservices, middleware platforms, and enterprise connectors, Liferay can seamlessly connect with various LOS solutions used by NBFCs.

The integration typically enables:

1. Digital Loan Applications

Customers can submit loan applications directly through a Liferay-powered portal.

The platform captures customer information and transfers it to the LOS in real time, eliminating manual data entry and reducing processing delays.

This creates a faster and more convenient application experience.

2. Real-Time Application Tracking

One of the most common customer frustrations is the lack of visibility during the loan process.

With Liferay DXP integration, customers can log into self-service portals and track their loan status at every stage, including:

Application submitted

Documents verified

Credit assessment completed

Approval in progress

Loan disbursed

This transparency significantly improves customer satisfaction and trust.

3. Automated Document Management

Loan applications often require multiple documents.

Integrated solutions allow customers to:

Upload documents digitally

Receive automated notifications

Track document verification status

Submit additional documents if requested

The LOS processes these documents while Liferay provides an intuitive user experience.

4. Personalized Customer Dashboards

Modern borrowers expect personalized interactions.

Liferay DXP can create customized dashboards displaying:

Active loans

EMI schedules

Payment history

Eligibility for additional products

Personalized offers

By leveraging customer data from the LOS, NBFCs can deliver more relevant and engaging experiences.

Benefits of Liferay DXP and LOS Integration for NBFCs

Enhanced Customer Experience

Customer experience has become a major competitive differentiator in financial services.

By integrating Liferay with LOS platforms, NBFCs can offer:

Omnichannel access

Faster loan journeys

Self-service capabilities

Personalized interactions

Consistent user experiences

These improvements directly contribute to higher customer retention and satisfaction rates.

Faster Loan Processing

Automation reduces dependency on manual processes.

Integrated workflows help eliminate delays caused by:

Data duplication

Manual verification

Disconnected systems

Human errors

As a result, loan approvals and disbursements become significantly faster.

Improved Operational Efficiency

Employees benefit just as much as customers.

Through unified dashboards and integrated workflows, teams gain access to all relevant information from a single platform, improving productivity and decision-making.

Better Compliance and Security

Financial institutions operate under strict regulatory requirements.

Liferay DXP provides robust security features, including:

Role-based access controls

Single sign-on (SSO)

Secure API integrations

Audit trails

Data governance controls

These capabilities help NBFCs maintain compliance while protecting sensitive customer information.

The Growing Importance of Partner and Agent Portals

Many NBFCs rely on channel partners, agents, and brokers to acquire customers.

Managing these relationships efficiently requires more than traditional systems.

Liferay DXP enables the creation of dedicated partner portals that integrate directly with the LOS.

Partners can:

Submit applications

Track loan progress

Upload customer documents

Monitor commissions

Access training resources

This creates a connected ecosystem that improves collaboration and accelerates loan processing.

Organizations often engage specialized liferay consulting services providers to design and implement these partner-focused digital experiences.

AI and Intelligent Lending Experiences

The future of lending is increasingly driven by artificial intelligence.

When integrated with LOS platforms, Liferay DXP can support AI-powered experiences such as:

Personalized loan recommendations

Intelligent chatbots

Predictive customer engagement

Automated support workflows

Smart document processing

These capabilities help NBFCs deliver more proactive and customer-centric services.

As customer expectations continue to evolve, AI-enabled experiences will become a critical component of digital lending strategies.

Why Choosing the Right Liferay Expertise Matters

While the benefits of integration are substantial, successful implementation requires deep expertise in both digital experience platforms and financial services technology.

This is why many NBFCs work with experienced liferay consulting companies that understand:

`Financial services workflows

Loan origination processes

Enterprise integrations

Customer experience design

Security and compliance requirements

An experienced Liferay Consultant can help organizations assess their current technology landscape, identify integration opportunities, and create a roadmap that aligns with business objectives.

Whether integrating with a legacy LOS or a modern cloud-based lending platform, expert guidance can significantly reduce implementation risks and accelerate time to value.

The Role of Liferay DXP Consulting Services in Digital Transformation

Digital transformation is not simply about deploying new technology.

It is about creating connected experiences that deliver measurable business outcomes.

Professional liferay dxp consulting services help NBFCs:

Design digital lending ecosystems

Build customer and partner portals

Integrate LOS and third-party platforms

Optimize user experiences

Improve operational efficiency

Scale digital initiatives

These services ensure that technology investments translate into meaningful business improvements and long-term growth.

Looking Ahead: The Future of Digital Lending

The lending industry is undergoing rapid change.

Customers increasingly expect instant decisions, personalized services, and frictionless digital interactions.

At the same time, NBFCs must balance customer expectations with operational efficiency, regulatory compliance, and business growth objectives.

Integrating Liferay DXP with Loan Origination Systems offers a powerful solution to these challenges.

By combining robust lending operations with exceptional digital experiences, NBFCs can create a competitive advantage that drives customer loyalty and business success.

As digital lending continues to evolve, organizations that invest in integrated experience platforms today will be better positioned to meet the demands of tomorrow's borrowers.