Cash-flow underwriting combines transaction behaviour with network signals to determine approval, limit, term, deposit requirement, and debit timing. Each decision carries reason and lineage. Fairness and stability testing run on a defined cadence.
AI-assisted workflows select the appropriate channel and timing, propose compliant payment plans, and capture full consent trails. The objective is higher cure rates with respectful interaction and complete regulatory evidence.
A browser-based console for retail and franchise environments manages KYC, decisioning, contracts, inventory, and activation on one screen. The integration layer exposes secure APIs and file options for legacy systems, with SSO, role-based access, and operational telemetry.
A managed feature store supplies validated signals to underwriting and collections. Portfolio dashboards provide cohort behaviour, roll rates, recoveries, and operational KPIs. Daily reconciliation aligns operator settlements with trust accounts and flags exceptions.
Built with financial-grade security, our platform protects sensitive data end-to-end while ensuring full compliance with KYC, privacy, and regulatory standards. Role-based controls, encrypted APIs, and audit-ready reporting safeguard every interaction.
Research Focus
Our R&D explores how alternative data, behavioural signals, and circular value models drive smarter & fairer outcomes.
Our Platform
Governance
Models are versioned and reviewable, with shadow and canary releases protecting production. A documented rollback path is maintained. Every live decision includes reason codes, consent records, and data lineage to support regulatory and partner audits.