FinMomenta PLAINS – Products in Loans, Analytics, Identity, Network, Statement Analyzer

Introduction

Back-

ground

Education loan marketplace with 100K+ app imprints

Analyzed ₹250cr+ worth credit till date

Processed 120K+ KYC documents

Disbursed ₹12cr+ till date

Offerings

AI based niche solutions in Identity Verification

Bank Statement Analyzer with meaningful insights

Predictive (Credit Score) & Preventive (Fraud / Early Warning) Analytics

Advanced & configurable Loan Originating System

Network ecosystem on Blockchain

Key

Statistics

Customizable credit scoring models for Thick/Thin bureau customers

50K+ credit assessment

Document parsing on 500K+ scanned docs

0.5% fraud cases identified

<0.5% default rate

Founders

Brahma Mahesh K Chief Executive

Naveen Madgula

Chief Risk & Products

Praveen Krishnam Chief Technology

Prasanth Krishnam Chief Architect

• 30M+ customer base as Banking Sales head

• MBA in Marketing

• Managed $100M+ business across Indian & MNC banks

• MBA in Marketing , CAIIB

• Managed $100M+ turnkey projects in Banking & Fin Services

• MBA in IT & B.Tech in Electronics

• Architect of multi-million value corporates & start-ups in US

• Masters in CS from IIT Bombay

PLAINS Solutions –SaaS / On-premises • AI / DL based LOS

with instant credit

decision (eKYC, Fraud

check, financial

analysis, customizable

scoring models-5000+

data-points)

• ML based LMS with

Early Warning Signals

• State of art self-training

Identity Verification

products with 95%+

accuracy

• Reduction of risk by

weeding out fake

identity and quicker TAT

• AI / ML based Predictive

Analytics like Credit

assessment with Bureau

/ no-bureau scorecards

• ML based on Preventive

Analytics like Fraud &

Early Warning to control

NPAs

L A I N S P

• Repayment tracking

from various entities can

be managed using

Blockchain Network

• Blockchain solutions can

be derived / customized

based use-case

• Industry best ML

based Statement

(Savings / Current /

CC) analyser

• Credit Manager can

take informed

decisions with

meaningful insights

Identity Verification

Liveness Check

Multi layered approach enables Banks / FIs to gain a 360˚ view of the customer

Signature Verification – NIDs / Financial Docs

Face Matching – NIDs / Application Forms

NID verification with Government system

Aadhar # validation & genuineness of NID

NID & Utility bills – Parsing docs (including QR code)

Aadhar # Masking /Redacting

Credit Assessment (incl Statement Analyzer) Data Acquisition

Application

datasets

DWH

External

Apps

Smartphone

datasets

Social dataset

Bank Stmt

Application

Data

Credit Bureau

Smartphone

data

₹ Bank Trxn

₹

Credit History

Alternate data

Historic

data

Data Processing & Modelling

Predictive / Preventive Analytics Data Visualization

Dashboards Visualizations Rule

Engine

Fraud / Early

Warning analytics

Credit Scoring &

Assessment

OCR Transfo

rmation Cleansing

Test & Update

Model

ML Models

Trained data

Prediction

Deployed

Model

Data

Lakes

Analytics

C E F

• Fraud analytics with 50+ rules /

700+ data-points & customizable

• FIs can reduce risk by 0.5%

• Rules covering personal,

employment & financial

S

• Credit score with 5K+ data-points

• Scorecards custom designed for

Bureau / No-credit customers

• 360˚ view dashboard for Credit

Managers to take quick decisions

• Early Warning with traditional &

alternate real-time data

• 30+ rules with 300+ data-points &

customizable

• FIs can prevent NPAs by 0.5%

• 60+ categorizations in statement

• 20+ top banks and keeps growing

• Processed 1M+ narrations

• 90%+ accuracy & self-learning

model

LOS & LMS

• Intelligent LOS system for instant credit decision and quick disbursal

• Configurable system hence quick to market launch. Available in Mobile / Web App

• Micro-service architecture to customize for different needs

• Offers customer on-boarding, eKYC, financial analytics, customizable credit scoring,

Physical Verification, e-agreements, NACH set-up, disbursal functions

• Partner / Agent Management portal for lead generation

Loan Originating System LOS

• Intelligent LMS system offers payments, report generation, notifications, early warning

checks

• Modules for part-payment, pre-closure functions

• Modules to handle collection agencies

• Compliance reporting

Loan Maintenance System LMS

Partners / Prospects hub

WELCOME ABOARD Any questions? Praveen@finmomenta.com + 91 98404 81000 FinMomenta.com

naveen@tachyloans.com + 91 79047 29759 FinMomenta.com