Datacultr Fintech Limited

Risk Mitigation & collections management platform that uses the borrower's smartphone in a very effective manner, that results NPAs by over 67%, making the 'new to credit' a viable segment for financial institutions.

Problem we are solving

4Bn+ people the world over are un or under banked, top challenges that institutional lenders face in catering to this segment are lack of credit scores, high quality alternative data & collateral and high cost of servicing.


Credit Decisionining: Datacultr ‘Collateralises Smartphones’ which are livelihood & access enablers; in absence of alternate data, this becomes a critical decisioning factor for the lender. Debt Repayment: Datacultr’s ML driven engagement models & digitized collection processes, ensure payments are not missed, sets a habit and influences ‘Intention to Pay’.

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