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? [email protected] + 91 98404 81000 FinMomenta.com
[email protected] + 91 79047 29759 FinMomenta.com
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