AGAM is an AI-driven financial platform that connects individuals and businesses to banks and financial institutions, enabling instant access to credit through a proprietary credit scoring engine. The platform addresses the challenge of assessing customers with limited credit history by providing hyper-personalized lending solutions that facilitate rapid decision-making and risk evaluation.
Funding
$930K raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Many individuals and businesses, especially those with limited or no credit history, face significant challenges in accessing credit from traditional financial institutions. Existing credit scoring models often fail to accurately assess the risk profiles of these customers, leading to loan denials and limited financial opportunities.
Solution
AGAM offers an AI-powered SaaS platform that connects individuals and businesses with banks, non-bank financial institutions (NBFIs), and microfinance institutions (MFIs) to facilitate instant access to finance. The platform employs a proprietary AI and machine learning-driven credit scoring engine that analyzes alternative data points to assess creditworthiness, even for thin-file customers. This enables financial institutions to make faster, more informed lending decisions and provide hyper-personalized lending solutions tailored to individual customer needs, ranging from personal finance to distributor finance. AGAM is available in API, APK, and SDK formats, allowing seamless integration into existing banking and digital financial platforms.
Target Audience
AGAM primarily targets banks, non-bank financial institutions (NBFIs), and microfinance institutions (MFIs) seeking to streamline their lending processes, improve risk assessment, and expand access to credit for underserved populations.
Features
- AI-driven credit scoring engine that predicts defaults, deceits, and delinquencies in real-time
- Alternative credit scoring for assessing thin-profiled customers without traditional credit history
- Hyper-personalized lending solutions tailored to individual customer needs
- Backend admin portal and frontend mobile app for end-to-end digital lending
- API, APK, and SDK availability for easy integration into existing platforms
- SMART Secured Lending for faster and more accurate lending decisions
- Real-time risk detection and dynamic adjustment to suit risk appetite