Our Solution
The Unified AI Loan Journey
Finoto AI offers a single, comprehensive AI-driven platform that manages the entire loan lifecycle, moving lenders from chaos to clarity.
Customer Acquisition & Lead Management
1.
Operations & Onboarding
2.
Automated Underwriting
3.
Technical & Legal Valuation
4.
Loan Disbursement & Finance Automation
5.
Collections & Recovery
6.
AI-Powered Customer Service
7.
Pillar 1 : AI-Powered Acquisition
AI Sales Agent Calls
Chatbot, Email & Whatsapp Bot Engages 24/7
Natural Language Processing
Handles Queries Real-time
Automated Lead Scoring
Qualifies Customer Income, Bank statment, Loan Amount
Comprehensive Dashboard
Conversion Rates, Pipeline, Performance Tracking
+40%
Faster Conversions
-30%
Cost Per Lead
Pillar 2 : AI-Powered Operations & Onboarding
Digital KYC/KYB with instant verification and fraud detection.
OCR and Machine Learning for rapid document checks.
Automated anomaly detection and robust fraud prevention.
Streamlined escalation workflows ensure full compliance.
70%
Reduction in Manual KYC Costs
Pillar 3 : Automated Underwriting with AI
Leveraging deep AI expertise for rapid, accurate, and compliant loan decisions.
Intelligent Risk Scoring
AI evaluates income, behavioral patterns, and repayment history for precise risk assessment dashboards.
Customizable Templates
Editable AI underwriting templates allow for flexible and adaptive policy adjustments.
Real-Time Reporting
Instant quality and risk reports provide continuous oversight and compliance assurance.
IMPACT
Decision Time From T+1 To 15 Min.
Pillar 4 : AI-Driven Technical Legal Valuation
AI Based Market Valuation
For Accurate Property Assessment
Automate Document Scanning
Due Dilligence, Valuation Lat/Long
Red Flag Alerts
Potential Property & Ownership Mitigating Risk
IMPACT
90% Fewer Legal Discrepancies
Pillar 5 : AI-Driven Loan Disbursement & Finance Automation
Leveraging deep AI expertise for rapid, accurate, and compliant loan decisions.
Instant Fund
Disbursement
Accelerating Lending Process
Predictive Financial
Analysis
Supports Robust Liquidity Planning
Automated Reconcillation
Analysis
Compliance Reports for Seamless Operations
IMPACT
Seamless & Transparent Financial Operations
Pillar 6 : Intelligent Collections & Recovery with AI
Optimizing recovery rates and ensuring compliance through smart, predictive strategies
Delinquency Prediction
AI predicts delinquency and nudges customers with early interventions.
Smart Reminders
Automated reminders across SMS, WhatsApp, email, and IVR channels.
Legal Notice Automation
Auto-generation of legal notices for efficient compliance and audit trails.
IMPACT
25-30% DPD 90+ Recovery Rates
Pillar 7 : AI-Powered Customer Service
Delivering superior customer experience with 24/7 Multilingual Intelligent support.
Always Available
24/7 multilingual AI support agent handles routine queries.
Intelligent Query Handling
Answers questions on EMIs, due dates, loan status, and more.
Seamless Escalation
Escalates complex or high-value cases to human agents efficiently.
Sentiment Analysis
Analyzes customer sentiment to continuously improve service quality.
IMPACT
+50% Customer Satisfaction -40%Reduction in Call Centre Cost