DIGITAL LENDING

ABOUT US
Aguai helps BFSI enterprises power their
DIGITAL BUSINESSES
by building
NEW AGE DIGITAL PRODUCTS and PLATFORMS
DIGITAL LENDING
Crafted for new age banks and NBFC’s that aim to provide a seamless digital
experience for lending customers, and increase customer conversation with
reduced operational costs.

Digital Lending for the new age
Loan origination Credit assessment Loan management
Collections
Credit Risk
Assessment
based on multiple data
source points
P2P lending

Key Tenets of Digital Lending
Social Financial
Behavioral Traditional

Our Approach
Loan origination
• Omni channel Customer Acquisition – Web
and mobile
• Authenticate and Validate via Aadhaar, e-Kyc
and e-Sign
Credit assessment
• Credit Risk Assessment based on
multiple data source points
• Mobile, Social and Bank Data
• Design and Develop Custom Oxigen
Specific Credit Scoring Algorithms
Loan management
• Loan Scheme Management
• Disbursal
• Repayment Schedules
• Loan Ladders
• NBFC and UPI Integrations
Collections
• Collect Requests
• Defaulter Tracking and Alerts
P2P lending
• Micro P2P lending

Machine Learning & AI
Defined data sources
Data segmentation & analysis
Machine Learning algorithms identifying specific data patterns
Assisted learning and training data models
AI and outcome inferences
Application of AI Inferences into Risk Assessment, Evaluation and Credit Scoring

Aguai Way - Delivery Model
We work on the SCRUM model of Software
Development
Sprint backlog & grooming based on prioritization
Sprint Planning with Requirements broken down to
User Stories and prioritized with the Product Manager
2 week sprints with review and demos at the end of
each sprint
Daily Standup Meeting with Jira Updates

Case Study - 1
A Tier-2 Bank in Mumbai, India
Problem Statement
• Digital Lending Solution for Millennials
Solution Strategy
• GTM – Bank and Partner Ecosystem
Approach
• Build mobile SDK and partner with ecosystem for the SK to be integrated
• Read all Mobile Phone Data – SMS, Call Logs, Merchant Txns, Contacts, Apps Installed etc
Admin & Partner Portals
• Custom Credit Scoring Algorithm
• View all customer data across multiple partners
• For Partner to access their customer data

Case Study - 2
US MNC Launching Digital Lending in India
Problem Statement
• Digital Micro Lending for aspiring middle class
Solution Strategy
• GTM – Initial pilot launch on Android
• Mobile App for Users
• Admin Portal for Loan & User Management
• Aadhaar, e-KYC, e-Sign and UPI Integration
• Credit Scoring algorithms

Awards & Feature
Hot 100 Startups of India
Healthcare IT Startup of 2015
Feature Story
South Region - Winner
National Level – Semi Finalist
Shortlisted Startup for 3 day
Mentoring Program
Emerging Startup to Watch!
Democratizing Healthcare
Innovation and R&D Company
of 2015

Our Services
Software Technology Services
Virtual CTO
• Technology
Roadmap
• Solution
Evaluation
• Build Vs Buy
• Vendor
Management
• Implementation
UI/UX
• Wireframe
• Mockups
• UX Design for
Mobile/Web
• HTML/CSS
• Photoshop/
Illustrator
Agile
Consulting
• Training
• Consulting
• Coaching
Product
Development
• Requirements
Management
• Development
• Validation
• Implementation
• Sustenance
Chat Bots
Enterprise
Mobility
Custom
Application
Management
Mobile Apps
Testing
• Functional
• Automation
• Performance
• Security

Partners
Technology Partners
Innovation Partnerships

Clients
Copyright Aguai Solutions
13

FinTech Clients

Aguai’s Journey
Over 100+ years of Industry Experience in the team
15+ team of high quality niche software development team
Key partnerships with AWS, Microsoft, Thought Factory,
CapGemini
Profitable and Growing
Reliable and Fast paced

Thank You
contactus@aguaisolutions.com | +91 9800244406 | Bangalore, India
www.aguaisolutions.com