FinTech for banks and NBFCs
Faster, safer credit decisions for banks and NBFCs
Lending decisions depend on documents: identity proofs, GST registrations, bank statements, tax returns. Esfita checks them through APIs and turns them into a clear view of the borrower, so your credit team spends its time on judgement rather than data entry.
What gets in the way
Statements read by hand
Analysts go through months of transactions line by line to understand income and spending.
Fraud hides in the detail
Bounced cheques, circular transfers and sudden cash deposits are easy to miss under time pressure.
Checks spread across portals
PAN, Aadhaar, GSTIN and bank account checks each happen in a different place.
4 products for lenders
AAAIDE
Advanced AI-Driven Analytics and Informed Decision EngineExtracts and analyses bank statements, flags irregularities and produces a full borrower report.
Explore AAAIDE
CCEATL
Cognitive Computing Engine for Authenticating Two-wheeler LoansChecks the applicant's credentials and bank statements and returns a clear eligibility decision.
Explore CCEATL
Verification APIs
Identity, merchant and financial verificationIdentity, merchant (GSTIN) and financial verification, all through API.
Explore Verification APIs
Aadhaar eSign
Paperless signing with AadhaarIndividuals sign agreements online using Aadhaar and an OTP. No paper, no couriers.
Explore Aadhaar eSign
Talk to us about FinTech
We'll show you how teams like yours use Esfita, and what it would take to set up.