Kaleidofin

Kaleidofin is a fintech company headquartered in Chennai, with an additional office in Bangalore, registered as a Non-Banking Financial Company (NBFC) with the Reserve Bank of India. The company provides a wide range of financial services, including lending as a service, credit assessment, and customer engagement solutions. Kaleidofin offers co-lending and direct assignment services, and utilizes the ‘ki score’, an AI/ML-based credit decisioning data model, for credit decisioning. The company also provides ‘ki cash services’ for customer engagement, which includes an intuitive user experience application, and securitization services backed with cutting-edge analytics. For risk management, Kaleidofin offers ‘ki view’, a holistic solution, and provides all-in-one finance solutions including savings, credit, and insurance. The company scales BC lending through strategic BC partnerships and has over 4.01 million customers, underwriting over $2.2 billion in loans based on the ‘ki score’. The ‘ki credit platform’ has volumes exceeding $126 million. Kaleidofin won the ‘Swanari TechSprint 2023’ award for creating an ‘End-to-End Digital Straight Through Process for Lending’ and was recognized as one of the six Indian companies on Forbes Asia’s ‘100 to Watch’ list in 2023. The company aims to democratize finance through responsible fintech, offering goal-based financial services using advanced machine learning and suitability engines. Kaleidofin ensures accessibility through assisted onboarding, reaching customers at their doorstep, and provides a platform that enables seamless integration with MFIs, MSMEs, NBFCs, and corporates. The company uses over 30 million data points for the ‘ki score’ to assess underbanked and unbanked customers and offers a comprehensive portfolio management solution through ‘ki view’. Kaleidofin strives to simplify finance and empower banks to make banking accessible to all, providing an omni-channel customer connect for a seamless and interactive banking experience. The company implements best techniques for data security, confirmed with ISO certification, and offers a ‘ki pay API’ for accepting various payment methods. Kaleidofin provides a low-cost, full-service savings account designed to help customers shape their future, and a user-friendly app for ‘ki cash’ services available in native languages. The company offers a centralized hub for a range of financial services, making banking and lending more accessible, and provides middleware for streamlined integration of multiple lender systems. Kaleidofin offers pre-built APIs for real-time decisioning within originator systems, a single tenant architecture, and data isolation solutions for banking grade compliance. Partnering with over 16 entities, Kaleidofin reaches a network of 4 million customers, offering tailored financial products with curated savings, credit, and insurance solutions. The company provides an adaptable plug-and-play platform driven by cutting-edge technology and uses machine learning for actionable customer insights. Kaleidofin also offers a robust set of APIs for credit analytics and payment solutions.