Finance and Banking
AI That Makes Lending Faster & Smarter
goal
Challenge Faced
Traditional credit scoring is slow, biased, and based on limited financial history, excluding millions of potential borrowers.
solution
Our Solution
We developed AI-driven credit scoring models that analyze alternative data (e.g., transaction history, utility bills, mobile usage) for fairer, faster loan decisions.
Tools we used
Approach
Step-by-Step Workflow
Step 1
Collect structured & unstructured customer data.
Step 2
ML models calculate creditworthiness scores.
Step 3
Provide instant risk rating and approval decision.
Step 4
Continuous model updates with repayment history.
Quantifiable Benefits
Faster loan approval cycles
%
Reduction in default rates
0
%
Inclusion of 30% more underbanked customers
%
Improved accuracy over traditional scoring
%
Who’s Using This
Zest AI, LendingClub
Indian NBFCs adopting AI for lending
Global banks testing AI loan approvals
Why It Matters
AI democratizes access to credit while reducing default risk for lenders.