Primary Challenge
RupeeFlow needed to serve underbanked customers with no credit history while preventing fraud and maintaining unit economics on small ticket loans.
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FinTech & Lending
AI-Driven Digital Lending Platform
60% faster loan approvals, 40% reduction in default rates
Client: RupeeFlow
60% faster loan approvals, 40% reduction in default rates
Overview
End-to-end digital lending platform with AI credit scoring, automated underwriting, and real-time fraud detection for instant personal and SME loans.
The Problem
RupeeFlow needed to serve underbanked customers with no credit history while preventing fraud and maintaining unit economics on small ticket loans.
Key Challenges
Approach
01
Implementation Approach
We built their complete lending stack with alternative data credit scoring, multi-layered fraud detection, and 95% automation from application to disbursement.
Technology Stack
Core Stack
PythonXGBoostReact NativePostgreSQLKafkaAWS
Outcomes
Approval Time
-60%
60% faster loan approvals, 40% reduction in default rates
Default Rate
-40%
60% faster loan approvals, 40% reduction in default rates
First-time Borrowers
70%
60% faster loan approvals, 40% reduction in default rates
Fraud Detection
98%
60% faster loan approvals, 40% reduction in default rates
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Delivery available from Bengaluru and Coimbatore teams, with remote implementation across India.