Finoto AI Is Revolutionising Credit Cycle Automation.
Aligned with Valuation Formats Used by Leading Banks | NBFC’s | HFC’s











































The Lending Challenge Today
About Finoto AI – FinotoAI Is Revolutionising Credit Cycle Automation.
From onboarding to collections, FinotoAI brings speed, accuracy, compliance, and control to every stage of the credit lifecycle.
Our Vision
To be the most trusted AI innovation partner, enabling organizations to transform complex workflows into intelligent, seamless, and value-driven systems.
Our Mission
To democratize AI adoption by delivering solutions that are simple, reliable, and measurable 4 empowering businesses to achieve speed, compliance, and customer delight.
Our Solution: The Unified AI Loan Journey

Customer Acquisition & Lead Management

Operations & Onboarding

Automated Underwriting

Technical & Legal Valuation

Loan Disbursement & Finance Automation

Collections & Recovery

AI-Powered Customer Service
The Lending Challenge Today

High Acquisition Costs
Sustained expenses in attracting and converting new loan applicants.

Manual Underwriting
Error-prone and slow manual underwriting causing delays and inconsistencies.

Lengthy Onboarding
Time-consuming KYC and customer onboarding processes leading to drop-offs.

Delayed Disbursements
Inefficient internal processes leading to significant delays in loan payouts.

Rising NPAs
Increasing Non-Performing Assets and inefficient collection strategies.

Poor Customer Experience
Suboptimal customer service due to lack of
personalization and speed.
Impact Metrics
- 30%
Customer Acquistion Cost
Reduced
- 70%
Onboarding Time
Reduced
- 90%
Underwriting TAT
Reduced
- 25%
Collections Efficiency
Increased
- 50%
Customer Satisfaction
Increased
Pricing Models
SAAS Subscription
Pilot to Full Scale Cycle
Per Loan Journey
Each Loan Based on Journey
Modular Pricing
KECServ Advantage

BFSI Domain Expertise
NBFC, HFC & FIntech

Proven AI + Automation Solution
For Lending & Collections

Customisable WorkFlows
Fit Client Systems
Smart Finance

Instant Fund Disbursement
Accelerating Lending Process

Predictive Financial Analysis
Supports Robust Liquidity Planning

Automated Reconcillation
Compliance Reports for Seamless

What Our Clients Say About Finoto AI
Customer Reviews
At Finoto AI, we take pride in empowering financial institutions with intelligent automation solutions. Here’s what our clients have to say about how we’ve simplified their credit and finance operations.



