Lokyata provides an AI-powered, no-code decisioning platform that automates lead selection, cash flow underwriting, and credit analysis to help lenders increase approval rates while reducing risk.
Product & Services Overview
Lokyata is a digital finance technology provider that specializes in automating the "Lead to Loan" lifecycle. By leveraging real-time bank account data and proprietary AI models, Lokyata enables financial institutions to move beyond traditional credit scores and make more inclusive, data-driven lending decisions in seconds.
Key Solutions & Features:
BankAnalyze (Cash Flow Underwriting): A real-time automated tool that analyzes customer-permissioned bank statements to calculate net income, debt-to-income ratios, and behavioral signals. It provides instant "Approve," "Deny," or "Manual Review" recommendations based on actual cash flow.
LeadBuy (Lead Decisioning): An intelligent screening layer that allows lenders to evaluate the quality of a lead before purchase. By assessing repayment likelihood and fraud risk upfront, lenders can optimize their marketing spend and only buy leads that fit their specific credit box.
No-Code Decision Engine: A self-service interface where lenders can build, test, and deploy complex underwriting workflows. This includes custom business rules, weighted scorecards, and "if/then" scenarios without the need for internal development resources.
AI-Driven Risk Modeling: Proprietary machine learning models that process over 200 borrower behavior signals. These models are designed to identify creditworthy applicants who are often overlooked by traditional scoring methods.
System Integration: An API-first architecture that plugs directly into existing Loan Origination Systems and Loan Management Systems, allowing for a seamless experience with alternative data providers and credit bureaus.
Financial Inclusion Focus: Specifically engineered for consumer installment, auto, and small-dollar lending, Lokyata helps lenders expand their reach into underserved markets responsibly by using deep-dive analytics rather than just a credit score.
For more information, please visit: lokyata.com.
Contact @ Lokyata:
Steve Bireley | CTO | Email: steve@lokyata.com
