Uploaded byAguai Solutions Pvt Ltd
Digital Lending
Aguai specializes in digital lending solutions for BFSI enterprises, focusing on new-age banks and NBFCs to enhance customer experiences while reducing operational costs. Their offerings include loan origination, credit assessment, loan management, and collections, utilizing AI and machine learning for credit scoring and risk assessment. With over 100 years of combined industry experience, Aguai has successfully served 13 fintech clients and garnered several awards for its innovative approach.
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Digital Lending
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- 2. ABOUT US Aguai helpsBFSI 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.
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- 5. Our Approach Loan origination • Omnichannel 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
- 6. Machine Learning & AI Defined data sources Datasegmentation & 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
- 7. Aguai Way - Delivery Model We workon 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
- 8. Case Study - 1 A Tier-2Bank 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
- 9. Case Study - 2 US MNCLaunching 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
- 10. Awards & Feature Hot 100 Startupsof 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
- 11. Our Services Software Technology Services VirtualCTO • 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
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