Kamina provides an AI‑driven platform that predicts delinquency risk using real‑time transaction and behavioral data, then delivers contextual nudges to borrowers to prevent missed payments. The solution offers a dynamic risk indicator, a Nudge Center for event‑triggered alerts, and an API‑first integration that lets banks, fintech lenders, and merchants embed predictive insights and financial‑education content without replacing their core systems.
Funding
$3.2M 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
Financial institutions and merchants often experience high delinquency rates because they lack early warning signals and personalized behavioral interventions to prevent borrowers from missing payments. Traditional credit risk models react only after arrears appear, leading to increased provisions and exclusion of sub‑banked customers.
Solution
Kamina offers an AI‑driven platform that predicts payment default risk before it materializes and delivers real‑time, behavior‑based nudges to borrowers. The system continuously updates a dynamic risk indicator based on savings, spending, debt‑repayment patterns and automated financial planning actions. When key events occur—such as upcoming due dates, spending spikes, or score changes—the Nudge Center sends contextual alerts to guide users toward healthier financial habits. Financial products (loans, credit cards, point‑of‑sale credit) can embed Kamina’s insights and educational gamified content without replacing existing core systems, enabling responsible credit issuance and reducing provisions. Institutions gain a dashboard of aggregated risk metrics and can run pilot batches via ready‑to‑use APIs that scale to full‑portfolio integration.
Target Audience
Primary customers are banks, fintech lenders, and point‑of‑sale merchants that offer credit products to consumers, especially those serving underbanked or sub‑banked segments.
Features
- Predictive risk engine that evaluates delinquency likelihood using real‑time transaction data and behavioral signals
- Dynamic “Progress” indicator that adjusts continuously as users’ saving, spending, and debt‑management behaviors evolve
- Nudge Center delivering automated, event‑triggered behavioral alerts (payment reminders, spending warnings, credit‑score updates) within the institution’s native app or channel
- Integrated AI insights and gamified financial‑education modules that reinforce responsible borrowing without leaving the user’s existing interface
- API‑first integration model allowing phased rollout (test batches) and seamless scaling without modifying the core banking stack
- Analytics dashboard for lenders showing cohort risk trends, provision impact, and effectiveness of behavioral interventions