The startup operates a peer-to-peer lending platform that connects unbanked individuals with peer investors, offering uncollateralized loans. Its proprietary AI-powered credit scoring engine evaluates borrower profiles, enabling efficient matchmaking and streamlined access to financial resources for users without traditional banking services.
Funding
$270K 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 in emerging markets often struggle to efficiently assess the creditworthiness of individuals and small businesses lacking formal credit histories, hindering financial inclusion. Traditional methods are slow, costly, and exclude a large portion of the population, particularly in rural areas.
Solution
Shadhin Fintech provides technology solutions to banks, microfinance institutions (MFIs), non-bank financial institutions (NBFIs), and other financial entities, enabling them to streamline processes and expand financial inclusion. The company offers a suite of services including loan management systems, back-end reporting, NID (National ID) verification, e-KYC, bank statement analytics, and credit scoring. Shadhin's AI-powered credit scoring engine and natural language processing (NLP) capabilities allow for a more comprehensive understanding of customer profiles, even those with limited formal documentation. By leveraging these technologies, Shadhin helps financial institutions reduce risk and extend financial services to underserved populations.
Target Audience
Shadhin Fintech primarily serves banks, MFIs, NBFIs, and other regulated financial institutions operating in emerging markets, particularly those focused on expanding financial inclusion to underserved populations and MSMEs (Micro, Small, and Medium Enterprises).
Features
- Loan Management System for efficient loan processing and tracking
- Back-end reporting tools for data-driven decision-making
- NID Verification services to authenticate customer identities
- E-KYC (electronic Know Your Customer) for digital onboarding
- Bank statement analytics to assess financial health
- AI-powered credit scoring using Gini scoring and machine learning
- Natural Language Processing (NLP) to analyze customer conversation patterns
- Mobile and web application development