The AI platform to unify data, automate lending, and predict risk. No-code tools for business teams – flexible workflows for advanced tech configuration.
WHAT WE DO
To manage credit risk, financial analysis, and decision intelligence with our four flagship products.
The Bank Statement Analyzer automates data extraction from PDFs, images, and APIs to deliver instant insights into cash flow, income, and anomalies reducing errors and enabling faster, confident underwriting.
ALL IN ONE PLATFORMLeverage advanced AI models to streamline credit evaluation and mitigate risk across the entire credit lifecycle.
Eliminate manual review delays and risks. The BSA uses OCR and ML to instantly parse statements or retrieve real-time data. Get instant insights into cash flow, income, EMI trends, and fraud risks.
KEY BENEFITSAutomated Parsing:
Convert any statement format into structured data.
Smart Categorization:
Automatically tag salary, EMI, & cash flow items.
Fraud Mitigation:
Proactively flag tampered or suspicious statements.
Replace static scorecards with dynamic, high-performance ML models. Credit risk teams can upload, train, & leverage metrics (like K-S Score) to balance risk and profitability. Deploy models easily via API for single or bulk scoring & anomaly detection.
KEY BENEFITSExplainable Models :
Move beyond the ‘black box’ with model transparency.
Dynamic Decisioning :
Set optimal cut-offs to maximize profit.
Anomaly Detection :
Identify deviations & segment customers.
Shift collections from reactive to proactive. EWS continuously monitors data to generate dynamic Early Warning Indicators. Use AI/ML risk scoring to classify borrowers and engage teams with an audit-ready Maker–Checker workflow for governance.
KEY BENEFITSEarly Detection :
Surface at-risk customers before delinquency begins.
Governed Actions :
Standardized collection processes with audit trials and rule versioning.
Real-Time Alerts :
Notifications via SMS/Email/App push.
Decouple business rules from core IT systems. The BRE empowers product, risk, and compliance teams to rapidly build, test, and deploy rules and decision chains. Ensure auditability, transparency, and consistency in every decision.
KEY BENEFITSNo-Code Rules Management :
Build and publish logic instantly.
Workflow Orchestration :
Trigger actions via API, Webhook, or Scheduler.
Full Governance :
Audit trails and Role-Based Access Control (RBAC).
KEY BENEFITSAI tools to spot risks, reduce defaults, and protect portfolios.
Manage every stage, from application to approval, in one connected platform.
Deliver accurate credit insights instantly with built-in intelligence.
Cut decision time from days to minutes with automation and smart workflows.
Detect potential risks early & make confident, secure lending decisions.
Connect easily with your existing tools, CRMs, and data systems.
Protect sensitive data and stay aligned with every regulatory standard.
TRANSFORM YOUR LENDING OPERATIONSDiscover how these solutions can transform your lending operations.
QUICK ANSWERSGet clear answers to your most common questions no confusion, just transparency.
Fintly is an integrated lending intelligence platform that combines four core products Bank Statement Analysis (BSA), AI/ML Scoring (ScoreEngine), Business Rule Engine (BRE), and Early Warning System (EWS). It automates data ingestion, performs risk scoring, runs configurable decision rules and raises alerts for proactive portfolio management.
Fintly is designed for banks, NBFCs, fintech lenders, and credit decision teams who need faster, auditable and explainable credit decisions, from onboarding to monitoring. Business users, risk analysts, and automation teams can all benefit.
Yes. Fintly uses role-based access control, secure connector vaults for credentials, encrypted data-at-rest and in-flight, and audit logging. It is built to support compliance controls typical for financial institutions; implementation details (e.g., encryption keys, retention policies) can be configured per deployment.
Fintly connects seamlessly via secure REST APIs to core banking systems, account aggregations, and existing workflows. Integration patterns include synchronous API calls for real-time decisions and asynchronous webhooks or message queues for batch processing. Most clients complete implementation in 2-4 weeks with our dedicated support team.
Explainable AI means that for each score or decision the platform produces, Fintly provides human-readable explainations (feature contributions, rule triggers, and data evidence). This helps underwriters and auditors understand why a decision was made and supports both regulatory and internal governance needs.
