About

Kreditech offers credit scoring and online financial services to users by leveraging big data. It furthers fuses big data with complex machine-learning algorithms to underwrite and create a digital banking services for the unscored worldwide. It further offers personalized financial products that are tailored as per the customer’s needs.

Focus

PRODUCTS & SERVICES

Kreditech, through its proprietary credit decision engine, helps the underbanked population to determine their creditworthiness, thereby enabling them to avail loans. It provides access to credit for people without any credit history. It leverages artificial intelligence and machine learning to score a customer and determine credit risk by analyzing up to 20,000 data points per application.

REVENUE MODEL

Credit Karma earns money through referrals fees from their financial partners. It also generates revenue through advertisements.

MAIN CLIENTS

Retail customers

EXISTING PARTNERSHIPS

Banks and lenders

COMMENT

Kreditech offers a “credit as a service” model, allowing partners to integrate its credit products as payment method or funding source. The company uses machine learning to analyze the non-traditional data to provide financing options such as loans, PFM, and digital wallets to underbanked communities.