Why do Lending Businesses need to go Digital

5%

of the 600000 village habitations in India have a commercial bank branch

51%

of nearly 89.3 million farm households do not have access to any credit

64%

increase in Tele-density in rural India 2007 to 2017 which provides avenue of mobile banking

Link to Report

Why do Lending Businesses need to go Digital

5%

of the 600000 village habitations in India have a commercial bank branch

Link to Report

51%

of nearly 89.3 million farm households do not have access to any credit

Link to Report

64%

increase in Tele-density in rural India 2007 to 2017 which provides avenue of mobile banking

Link to Report

What does Digital Lending business need?

  • Convert more customers through Omni-channel customer Experience

  • Agility to build micro-products for new customer segements

  • Intelligence driven process workflow enhancements

  • Real Time Assessment and Decision Making on Loan Applications

  • Leverage a digital fintech partner ecosystem with seamless integrations

  • Flexibility to steer the product in the direction business wants

  • Robust and Scalable Architecture to power digital business

  • Faster deployment and quick time to market

Framework for New-age Digital First Lending Business

Customer Acquisition

Having Omnichannel Presence

Product Discovery

Recommending right product to the customer

Customer Onboarding

Simplifying customer journey

Loan Disbursal

Faster turn around time

Loan Underwritting

Quicker Credit Assessment & Decision Making

Customer Engagement

Personalised product recommendations

Customer Servicing

360° Unified Servicing & Support

Case Management

Efficient and automated business processes

Application Processing

Automated loan processing

Customer Acquisition

Having Omnichannel Presence

Product Discovery

Recommending right product to the customer

Customer Onboarding

Simplifying customer journey

Loan Disbursal

Faster turn around time

Loan Underwritting

Quicker Credit Assessment & Decision Making

Application Processing

Automated loan processing

Case Management

Efficient and automated business processes

Customer Servicing

360° Unified Servicing & Support

Customer Engagement

Personalised product recommendations

Kuliza's Digital Lending Suite

CUSTOMER ACQUISITION

Enable customer acquisition from various online and Offline channels, partners and aggregators with seamless widget based integrations and Omnichannel LOS

  • Omnichannel LOS
  • Widget Based Integration
  • Lead Management

Features

  • Digital Channels
  • Offline Touchpoints
  • POS
  • Branches

Features

  • Integration with Partner's Sites
  • Loan Aggregators
  • Affiliates

Features

  • Lead Sourcing
  • CRM Integration

Product Discovery

Catalyse customers decision with personalized recommendation of micro-products and content

  • Intent Engine
  • Product Configurator
  • Content Management System
  • Recommendation Engine

Features

  • Processing Offline Customer Data
  • Customer Segmentation

Features

  • Configuring Micro products
  • Master Management
  • Limit Management
  • Customer Communication Management

Features

  • Multi-lingual Content Support
  • Dynamic Content personalisation

Features

  • Product Recommendation
  • Content Recommendation

Customer Onboarding

Create a seamless onboarding experience for the customers powered by configurable engines for quick deployment

  • Workflow Engine
  • Rendering Engine
  • Rule Engine

Features

  • Customer Journey Configuration
  • Customer Information Management
  • Seamless UX

Features

  • Customised UI
  • Dynamic Changes in UI from backend
  • On the run Deployment

Features

  • Business rule configuration
  • Handling complex Business processes
  • Real Time Change Management

Application Processing

Reduce processing time with automated credit and risk assessment

  • Integration Broker
  • API Library
  • Credit Engine
  • FI & PD Portal
  • Insights to Intelligence

Features

  • Service Orchestration
  • Internal Systems
  • External 3rd party services
  • Real Time information processing

Features

  • 58 pre-built adapters
  • eKYC
  • Credit Bureau
  • Fraud

Features

  • Credit Model Configuration
  • Run Time changes and deployment
  • Version Control and Audit Trail
  • Report Generation

Features

  • Automated FI processes
  • Single Point Vendor Management
  • Reduced TAT

Features

  • Machine Learning driven recommendations to evolve Credit Models

Loan Underwriting

Configure seamless backoffice processes powered by AI driven decision support system

  • Back-office Portal
  • Credit Engine
  • Customer Dashboard
  • Workflow Engine
  • Rule Engine

Features

  • Credit Analysts & Risk Dashboard
  • Monitoring Mechanism
  • Faster Loan Processing
  • Loan Apporval workflow
  • Credit Approval Memo

Features

  • Deviation Management
  • Eligibility and Assessment

Features

  • Complete Loan Application Status
  • Notifications and Alerts

Features

  • Credit and Risk Process flows
  • Process Automation

Features

  • Exception Management
  • Workflow Routing
  • Assignement Logic and User Roles
  • Approval Matrix

Loan Disbursal

Integrate with legacy systems and core banking / accounting systems to ensure loan disbursal in real time STP

  • Back-office Portal
  • Integration Broker
  • DMS
  • Workflow Engine
  • Rule Engine

Features

  • Ops Dashboard
  • Monitoring Mechanism
  • Loan Apporval workflow
  • Mandate Set-up
  • Disbursal Memo generation

Features

  • Bank Account verification
  • Bank Integration
  • Accounting Integration

Features

  • Document Management
  • Tracking Process
  • Vault Set-up

Features

  • Operations' process flows
  • Process Automation

Features

  • Assignement Logic and User Roles
  • Workflow Routing
  • Assignement Logic and User Roles
  • Approval Matrix

Case Management

Complete end-to-end loan portfolio management with business processes customised around your organisation

  • Workflow Engine
  • Rule Engine
  • Integration Broker
  • Notification Engine
  • Early Warning System
  • Insights to Intelligence

Features

  • Post Disbursal Workflows
  • Loan Repayment
  • Loan Restructuring
  • Loan Closure
  • Service request Handling
  • Real time alerts for Defaults and Deviations
  • Report Generation

Features

  • Business rule configuration
  • Handling complex Business processes
  • Real Time Change Management

Features

  • Service Orchestration
  • CRM Integration
  • Credit rating Agency
  • Bank Integration
  • GL / Accounting Integration
  • Social Feeds for EWS

Features

  • Repayment Notification
  • Offers and other communication

Features

  • Loan Monitoring and Follow-up
  • Triggers and Alerts

Features

  • Product Recommendation
  • Process Automation

Customer Servicing

Provide 360-degree servicing and support experience for your customers

  • Back-office Portal
  • Insights to Intelligence

Features

  • Servicing Dashboard
  • CRM Integration
  • Ticketing Mechanism
  • Service request Handling
  • Greivance handling
  • Escalation Matrix

Features

  • Predictive Service Analytics Models

CUSTOMER ACQUISITION

Retain your customers by creating engaging experience with creative campaigns around product offerings

  • Personalisation Engine
  • Loyalty framework
  • Customer Dashboard

Features

  • Personalised product offerings
  • Content Recommendation

Features

  • Rewards and Loyalty
  • Engagement Campaigns
  • Social Collaboration

Features

  • Complete Loan View
  • Service Request Triggers

CustomerAcquisition

CUSTOMER ACQUISITION

Enable customer acquisition from various online and Offline channels, partners and aggregators with seamless widget based integrations and Omnichannel LOS

BACK-OFFICE PORTAL

  • Digital Channels
  • Offline Touchpoints
  • POS
  • Branches

CustomerAcquisition

Enable customer acquisition from various online and Offline channels, partners and aggregators with seamless widget based integrations and Omnichannel LOS

WIDGET BASED INTEGRATION

  • Integration with Partner's Sites
  • Loan Aggregators
  • Affiliates

CUSTOMER ACQUISITION

Enable customer acquisition from various online and Offline channels, partners and aggregators with seamless widget based integrations and Omnichannel LOS

LEAD MANAGEMENT

  • Lead Sourcing
  • CRM Integration

Product Discovery

Product Discovery

Catalyse customers decision with personalized recommendation of micro-products and content

INTENT ENGINE

  • Processing Offline Customer Data
  • Customer Segmentation

Product Discovery

Catalyse customers decision with personalized recommendation of micro-products and content

PRODUCT CONFIGURATOR

  • Configuring Micro products
  • Master Management
  • Limit Management
  • Customer Communication Management

Product Discovery

Catalyse customers decision with personalized recommendation of micro-products and content

CONTENT MANAGEMENT SYSTEM

  • Multi-lingual Content Support
  • Dynamic Content personalisation

Product Discovery

Catalyse customers decision with personalized recommendation of micro-products and content

RECOMMENDATION ENGINE

  • Product Recommendation
  • Content Recommendation

Customer Onboarding

Customer Onboarding

Create a seamless onboarding experience for the customers powered by configurable engines for quick deployment

WORKFLOW ENGINE

  • Customer Journey Configuration
  • Customer Information Management
  • Seamless UX

Customer Onboarding

Create a seamless onboarding experience for the customers powered by configurable engines for quick deployment

RENDERING ENGINE

  • Customised UI
  • Dynamic Changes in UI from backend
  • On the run Deployment

Customer Onboarding

Create a seamless onboarding experience for the customers powered by configurable engines for quick deployment

RULE ENGINE

  • Business rule configuration
  • Handling complex Business processes
  • Real Time Change Management

Application Processing

Application Processing

Reduce processing time with automated credit and risk assessment

INTEGRATION BROKER

  • Service Orchestration
  • Internal Systems
  • External 3rd party services
  • Real Time information processing

Application Processing

Reduce processing time with automated credit and risk assessment

API LIBRARY

  • 58 pre-built adapters
  • eKYC
  • Credit Bureau
  • Fraud

Application Processing

Reduce processing time with automated credit and risk assessment

CREDIT ENGINE

  • Credit Model Configuration
  • Run Time changes and deployment
  • Version Control and Audit Trail
  • Report Generation

Application Processing

Reduce processing time with automated credit and risk assessment

FI & PD PORTAL

  • Automated FI processes
  • Single Point Vendor Management
  • Reduced TAT

Application Processing

Reduce processing time with automated credit and risk assessment

INSIGHTS TO INTELLIGENCE Features

  • Machine Learning driven recommendations to evolve Credit Models

Loan Underwriting

Loan Underwriting

Configure seamless backoffice processes powered by AI driven decision support system

BACK-OFFICE PORTAL

  • Credit Analysts & Risk Dashboard
  • Monitoring Mechanism
  • Faster Loan Processing
  • Loan Apporval workflow
  • Credit Approval Memo

Loan Underwriting

Configure seamless backoffice processes powered by AI driven decision support system

CREDIT ENGINE

  • Deviation Management
  • Eligibility and Assessment

Loan Underwriting

Configure seamless backoffice processes powered by AI driven decision support system

CUSTOMER DASHBOARD

  • Complete Loan Application Status
  • Notifications and Alerts

Loan Underwriting

Configure seamless backoffice processes powered by AI driven decision support system

WORKFLOW ENGINE

  • Credit and Risk Process flows
  • Process Automation

Loan Underwriting

Configure seamless backoffice processes powered by AI driven decision support system

RULE ENGINE

  • Exception Management
  • Workflow Routing
  • Assignement Logic and User Roles
  • Approval Matrix

Loan Disbursal

Loan Disbursal

Integrate with legacy systems and core banking / accounting systems to ensure loan disbursal in real time STP

BACK-OFFICE PORTAL

  • Ops Dashboard
  • Monitoring Mechanism
  • Loan Apporval workflow
  • Mandate Set-up
  • Disbursal Memo generation

Loan Disbursal

Integrate with legacy systems and core banking / accounting systems to ensure loan disbursal in real time STP

INTEGRATION BROKER

  • Bank Account verification
  • Bank Integration
  • Accounting Integration

Loan Disbursal

Integrate with legacy systems and core banking / accounting systems to ensure loan disbursal in real time STP

DMS

  • Document Management
  • Tracking Process
  • Vault Set-up

Loan Disbursal

Integrate with legacy systems and core banking / accounting systems to ensure loan disbursal in real time STP

WORKFLOW ENGINE

  • Operations' process flows
  • Process Automation

Loan Disbursal

Integrate with legacy systems and core banking / accounting systems to ensure loan disbursal in real time STP

RULE ENGINE

  • Assignement Logic and User Roles
  • Workflow Routing
  • Assignement Logic and User Roles
  • Approval Matrix

Case Management

Case Management

Complete end-to-end loan portfolio management with business processes customised around your organisation

WORKFLOW ENGINE

  • Post Disbursal Workflows
  • Loan Repayment
  • Loan Restructuring
  • Loan Closure
  • Service request Handling
  • Real time alerts for Defaults and Deviations
  • Report Generation

Case Management

Complete end-to-end loan portfolio management with business processes customised around your organisation

RULE ENGINE

  • Business rule configuration
  • Handling complex Business processes
  • Real Time Change Management

Case Management

Complete end-to-end loan portfolio management with business processes customised around your organisation

INTEGRATION BROKER

  • Service Orchestration
  • CRM Integration
  • Credit rating Agency
  • Bank Integration
  • GL / Accounting Integration
  • Social Feeds for EWS

Case Management

Complete end-to-end loan portfolio management with business processes customised around your organisation

NOTIFICATION ENGINE

  • Repayment Notification
  • Offers and other communication

Case Management

IComplete end-to-end loan portfolio management with business processes customised around your organisation

EARLY WARNING SYSTEM

  • Loan Monitoring and Follow-up
  • Triggers and Alerts

Case Management

IComplete end-to-end loan portfolio management with business processes customised around your organisation

Triggers and Alerts

  • Product Recommendation
  • Process Automation

Customer Servicing

Customer Servicing

Provide 360-degree servicing and support experience for your customers

BACK-OFFICE PORTAL

  • Servicing Dashboard
  • CRM Integration
  • Ticketing Mechanism
  • Service request Handling
  • Greivance handling
  • Escalation Matrix

Customer Servicing

Provide 360-degree servicing and support experience for your customers

INSIGHTS TO INTELLIGENCE

  • Predictive Service Analytics Models

Customer Engagement

Customer Engagement

Retain your customers by creating engaging experience with creative campaigns around product offerings

PERSONALISATION ENGINE

  • Personalised product offerings
  • Content Recommendation

Customer Engagement

Retain your customers by creating engaging experience with creative campaigns around product offerings

LOYALTY FRAMEWORK

  • Rewards and Loyalty
  • Engagement Campaigns
  • Social Collaboration

Customer Engagement

Retain your customers by creating engaging experience with creative campaigns around product offerings

CUSTOMER DASHBOARD

  • Complete Loan View
  • Service Request Triggers

Our Solution Supports

  • PERSONAL LOANS

  • HOME LOANS

  • SME LOANS

  • GOLD LOAN

  • EMI CARD

  • CREDIT CARDS

  • AUTO LOANS

  • MORTGAGE LOANS

  • CUSTOM PRODUCTS

Our Customers

We help enterprises and fast growing startups bring ideas to life faster. With our tried and tested lean approach,we will help you realise and execute your product vision in no time.

120+

PRODUCTS

11+

YEAR

185+

PEOPLE

  • 120+

    PRODUCTS

  • 11+

    YEAR

  • 185+

    PEOPLE

Our Case Studies

Aditya Birla Finance Limited

Digital Lending Platform

Aditya Birla Finance Limited (ABFL), is one of India's most reputed non-banking financial companies (NBFC) which offers a wide range of customized financial solutions.

ABFL partnered with Kuliza to transform their end-to-end loan process from an offline process to digitally streamlined processes that include paperless operations, workflow-based automated decision-making and credit scoring powered with insightful analytics.

Intellecap

Digital Lending Platform

Intellecap is a pioneer in providing innovative business solutions that help build and scale profitable and sustainable enterprises.

Kuliza helped Intellecap to design and build a new-age digital lending platform to bring together investors, start-up and service providers.

Capital First

Mobile Enablement

Capital First is a leading provider of financial service across consumer and wholesale businesses.

Kuliza helped Capital First to build their official mobile app to transform Product Discovery, Lead Generation and Loan Application Tracking to provide a rich experience to their customers.

Murabaha

Digital Lending Platform

Murabaha Club is an innovative alternative finance business, initially providing loans to UK SMEs with a vision to become the UK's No.1 Islamic Finance Platform serving SME and consumer borrowing needs.

Kuliza is helping Murabaha Club build a peer-to-peer lending platform for investors, borrowers and lenders to come together on a global digital lending marketplace.

Contact Us

Schedule a Demo