Technology

Our technology has been developed to bridge the gap between the underserved and ensure a seamless formal lending process, with a special focus on improving the efficacy of credit delivery, and reducing delivery and collection costs.Our integrated technological platform constitutes:

1. Loan origination system (LOS), Loan management system (LMS) and accounting systems are integrated in a single platform for operational convenience.
2. Paperless branches, where our mobile payment platform enables on-field payment collections and smooth reconciliations.
3. Geo - tagging of borrower’s residence and repayment collection meeting location for easy identification and tracking.
4. In-house developed customer credit score engine to identify clients' repayment capability and eligibility limits.
5. System generated repayment schedule & collection process
6. System generated receipts to maintain transparency.
7. Real time tracking of field collection and movement of field officer through GPS.
8. System generated SMS intimation to borrowers on each transaction.
9. Exclusive back office for each Funding partner for handling pre and post loan disbursement processes