In today’s dynamic financial landscape, speed, accuracy, and adaptability in decision-making are critical to staying ahead. Our AI-Based Decision Engine enables financial institutions to automate complex, high-volume decisions across the credit lifecycle—from origination to collections—with precision, consistency, and agility.

Powered by advanced analytics, machine learning, and business rule orchestration, our platform delivers real-time decisions by seamlessly integrating internal and external data sources, enabling financial institutions to make smarter credit decisions, personalize customer strategies at scale, and maximize credit loss recoveries—while reducing operational costs, minimizing risk exposure, and accelerating time-to-yes.

Use cases :

• Credit Underwriting : Accelerate and enhance credit approval decisions by combining traditional credit assessment with behavioral, transactional, and alternative data. Our decision engine evaluates creditworthiness in real-time, ensuring optimal customer selection aligned with your risk appetite—reducing manual intervention while maintaining full transparency and compliance.
• Customer Management : Leverage AI-driven strategies to optimize ongoing customer engagement. From hyper-personalized product offerings and automated credit limit reviews to predictive early warning systems that detect signs of financial stress—our engine ensures that every decision reflects your customer’s latest behavior and risk profile. This enables better retention, increased cross-sell, and proactive risk mitigation.
• Collection & Recovery : Maximize recovery effectiveness through data-driven segmentation, strategy optimization, and intelligent treatment paths. Our decision engine identifies the most appropriate action—such as timing, channel, and message—for each delinquent customer, helping you improve recovery rates, reduce roll rates, and manage collections with greater efficiency and sensitivity.

Our Loan Onboarding & Origination Solution empowers financial institutions to streamline and digitize the entire credit onboarding process—from application intake and document verification to credit assessment, approval, and disbursement. Built with flexibility and scalability in mind, our solution supports various lending products and customer segments, delivering faster time-to-yes, improved risk control, more standardized credit analysis, fewer human errors, reduced operational cost, lower delinquency rates, and enhanced borrower experience.

With seamless integration of decision engine, AI-powered scoring, workflow orchestration, and data from internal and external sources, the solution ensures consistent, automated, and policy-compliant credit decisions across all channels.

Use cases :

• Unsecured Personal Loan Origination : Enable real-time credit decisions for high-volume personal loan applications with fully automated workflows and 100% Straight-Through-Processing (STP)—without human intervention. The system performs instant eligibility checks, digital KYC, credit scoring, and auto-approvals based on predefined rules—ensuring quick turnaround time while managing credit risk effectively.
• Mortgage Loan Origination : Support complex, multi-stage workflows for secured loans such as mortgages. Our solution handles document-intensive processes including property appraisal, collateral verification, legal due diligence, and multi-level approval routing—while ensuring traceability and compliance with regulatory and internal policies.
• Corporate and SME Loan Origination : Manage high-value, relationship-based lending with configurable workflows tailored to your corporate credit policy. The solution facilitates risk grading, financial statement analysis, covenant checks, committee reviews, and credit memo generation—all integrated into a centralized platform with full audit trails and user role control.

Our Loan Management System is the backbone of modern credit operations. Built to support multi-product—the platform is designed to help financial institutions manage the full lifecycle of loans with accuracy, flexibility, and operational excellence—delivering differentiated lending experiences at scale. From disbursement to repayment, restructuring, and closure, the system automates and governs all aspects of loan servicing across a wide variety of lending products, customer segments, and business models.

By eliminating manual processes, accelerating product launches, enabling seamless integration with payment channels and analytics platforms, and proven capability to handle 70,000+ new bookings per day, our Loan Management System empowers financial institutions to improve customer satisfaction, increase operational throughput, simplify operation and reduce manual workload, reduce operational costs, and respond quickly to market changes.

Use cases :

• Unsecured Personal Loan Servicing : Handle high-volume personal loans with real-time processing of disbursements, repayments, interest accruals, and penalties. The system supports flexible tenors, top-ups, early settlements, and digital payment tracking—automating servicing while ensuring compliance with credit policies.
• Mortgage Loan Servicing : Manage long-tenor secured loans with complex repayment structures, interest accruals, escrow management, and restructuring options. The platform enables full lifecycle tracking of mortgage accounts late fee automation and collateral linkage.
• Auto Loan Servicing : Support installment-based financing models with AADM/AADB scheme, repayments, interest accruals, customizable fee schedules, and restructuring options. The system supports flexible tenors, installments, early settlements, collateral linkage and payment tracking—automating servicing while ensuring compliance with credit policies.

A comprehensive platform designed to optimize the entire collections process—from early delinquency through recovery. Built to empower financial institutions to manage collections with greater precision, agility, efficiency, and control across all delinquency stages—improving recovery rates while preserving customer relationships, reducing operational costs, and increasing productivity.

The platform supports configurable workflow, AI-based collection strategies, intelligent segmentation, real-time delinquency tracking, automated reminders, collector activity management and performance tracking, and seamless integration with core system, auto dialer, and phone number validator.

Powered by AI and decision rules, the system dynamically assigns the right strategy to the right account—maximizing collector productivity and collection efficiency across all delinquency stages. Field collectors are empowered through a dedicated mobile collection app, allowing them to receive account assignments, plan optimized routes with map integration, record visit results, collect digital payments, and update statuses—all in real-time and with geo-tracking capability.

Use cases :

• Unsecured Personal Loan Collections : Manage high-volume retail delinquencies with automated early-stage strategies (SMS, WhatsApp, email, and push notifications). Assign accounts to internal or external collectors, desk or field collectors, based on risk scores, behavior, and past repayment history. Configure escalation rules and settlement offers to improve first-contact resolution.
• Auto Loan Collections : Execute precise collection strategies for vehicle loans by combining account aging, customer behavioral risk profile, and collection score. Track promises to pay and follow-up activities. Field collectors receive assignments through the mobile app with geolocation support for location tracking, conduct on-site assessments, verify vehicle condition and status, and digitally collect supporting documents/evidence or repayment confirmations via the mobile app.

Our Supply Chain Financing and Invoice Financing solutions are purpose-built to improve working capital, strengthen partner relationships, and digitize financing processes for both buyers and suppliers.

Designed for banks, multi-finance companies, and fintech, the platform automates the end-to-end lifecycle—from onboarding to disbursement and repayment—while ensuring transparency, control, credit limit management, and risk monitoring.

With our solution, you can easily scale up your financing ecosystem, from 1 financing partner today to 10+ financing partners in short time. Through real time decision engine and seamless integration with core banking, third party data services, and payment gateways, our solution enables dynamic discounting, risk-based pricing, buyer-led financing, supplier-led financing, post-invoice funding, automated billing, payment processing, with real-time risk scoring, credit limit management and financing performance monitoring.

Advanced analytics and AI-driven eligibility checks allow funders to extend financing confidently, while suppliers and buyers benefit from improved cash flow and reduced days sales outstanding (DSO).

Use cases :

• Supply Chain Financing – Anchor-Led Buyer Financing : Enable large corporate buyers to extend payment terms to their suppliers while ensuring early payment through financing from banks or multi-finance companies. Our system assesses supplier eligibility, facilitates onboarding, automates invoice reading through AI-based OCR, and handles approval workflows. Financing is disbursed directly to suppliers based on approved invoices, while buyers pay at maturity.
• Invoice Financing – SME Supplier-Initiated Funding : Empower SMEs to unlock cash trapped in receivables by submitting unpaid invoices for early financing. Our solution helps verify the invoice validity, assess credit risk in real time, and provide instant disbursement. It supports full lifecycle tracking from financing to settlement.

Designed to help financial institutions extend their lending capabilities by partnering with digital platforms, e-commerce ecosystems, multi-finance companies, and other third-party lenders, our Channeling Loan solution provides end-to-end support for loan origination, credit decisioning, disbursement, repayment tracking, and risk monitoring—ensuring both scale and control across your partnership network.

Built for scalability and compliance, the system ensures seamless integration between the funder (bank or financial institution) and the originator (platform or partner), with real-time data exchange, clear credit approval processes, and customizable risk-sharing models.

Whether supporting BNPL schemes, point-of-sale financing, or multi-finance collaborations, our solution ensures transparency, governance, and customer experience across all touchpoints. With advanced rule engines, real-time scoring, digital onboarding, and performance monitoring dashboards, your institution can confidently channel loans while maintaining risk discipline, accelerating loan growth, and reaching untapped customer segments with minimal infrastructure overhead.

Use cases :

• Buy Now, Pay Later (BNPL) – Bank & E-Commerce Partnership : Enable banks to fund BNPL transactions originated on e-commerce platforms. Our system supports instant customer eligibility checks, dynamic credit limit assignment, seamless loan booking, and integration with merchant checkout workflows. Loan performance is monitored continuously with real-time repayment behavior and portfolio analytics.
• Auto Loan – Bank & Multi-Finance Collaboration : Support co-lending between banks and multi-finance partners for auto loans. The platform manages digital application flows from dealer networks, allocates exposure between bank and multi-finance institutions, performs dual risk assessment, and monitors loan