Kee Platforms provides an AI-powered embedded credit infrastructure that enables banks, fintechs, and digital platforms to offer real-time, compliant lending to underserved SMEs and consumers. Its Kee2Credit™ platform uses transactional, behavioral, and alternative data to power agentic decisioning, automated loan lifecycle management, and embedded credit access directly within existing ecosystems.
- Artificial Intelligence
- AI Agents
- Financial Technology
- Software Only
Funding
Founders
Product
Problem
Millions of small and medium-sized enterprises and consumers lack access to timely, affordable credit due to traditional lending processes that rely on limited data, manual underwriting, and rigid, non-digital workflows. This leaves a significant portion of the population underserved, particularly in emerging markets where alternative data sources are necessary to assess creditworthiness.
Solution
Kee Platforms offers Kee2Credit™, an AI-native Lending-as-a-Service platform that delivers embedded credit rails for banks, fintechs, payment gateways, and digital platforms. The platform securely aggregates transactional, behavioral, and alternative data from multiple sources to generate real-time, accurate credit decisions. By leveraging agentic AI workflows for eligibility scoring, KYC/AML checks, and disbursement, it minimizes operational overhead and reduces human intervention across the lending lifecycle. This enables businesses to offer contextual credit products—such as revenue-based financing, working capital loans, and checkout financing—directly within the user experience, improving financial inclusion for underserved markets.
Target Audience
Primary customers include banks, non-banking financial companies (NBFCs), fintechs, payment gateways, telecommunication providers, and digital e-commerce platforms seeking to embed credit products for their SME and consumer user bases.
Features
- Agentic AI decisioning engine that processes transactional, behavioral, and alternative data to deliver faster and fairer credit risk assessments.
- Cloud-native, microservices-based architecture supporting public, hybrid, and on-premise deployments for regulatory flexibility.
- Modular API-first design and low-code/no-code tools that allow business teams to configure and deploy credit products without extensive engineering.
- Intelligent orchestration layer for secure ingestion of data signals from banks, fintechs, distributors, and payment gateways.
- Parameterized engine for configuring revenue-based financing, revolving credit lines, working capital loans, and personal or checkout-based lending products.
- Built-in automation for approvals, KYC/AML checks, and disbursement processes to streamline operational efficiency.