Fuel Lending Growth with Consumer Banking Data
With the AdalFi Lending Loop banks and other lenders can continuously assess, activate, disburse, and optimize lending using the richest, most predictive signal of creditworthiness: customers’ deposit account data.
Lenders Are Missing Millions of
Creditworthy Consumers.
for new prospects accurately underwrites thin/no-file and non-salaried prospects.
offers with dynamic pricing.
with full audit trails.
Uncover more creditworthy borrowers, approve and fund them in under a minute, and reduce risk with the continuously learning AdalFi Lending Loop.
What traditional
platforms see
What Adalfi can
discover
What Traditional Platforms See
What AdalFi Uncovers
Most lenders rely on surface-level indicators, an outside-in macro view based on loan repayment behavior.
AdalFi looks deeper. We also take an inside-out view: the micro picture built from two years of day-to-day evolving financial reality for each prospect—the result: a more accurate and nuanced understanding of creditworthiness, qualifying more borrowers at lower risk.
What traditional
platforms see
What Adalfi can
discover
What traditional
platforms see
What AdalFi can discover
Most lenders rely on surface-level indicators, an outside-in macro view based on loan repayment behavior.
AdalFi looks deeper. We also take an inside-out view: the micro picture built from two years of day-to-day evolving financial reality for each prospect—the result: a more accurate and nuanced understanding of creditworthiness, qualifying more borrowers at lower risk.
What Adalfi can
discover
What AdalFi can discover
What AdalFi can discover
AdalFi looks deeper. We look at the macro and also the micro picture.
More borrowers qualified with less risk.
Expand Access to Credit. Reduce Risk.
Real-Time, AI-Driven Approvals
Pre-qualify using deposit-account cash flows to assess income stability, spending patterns, and repayment headroom, accurately underwriting salaried, non-salaried, and thin/no-file prospects in seconds. Use Open Banking to score new-to-bank prospects instantly.
Configurable Products & Policies
Set terms, limits, affordability caps, and underwriting rules to match your credit policy with full audit trails.
Under-a-Minute Digital Disbursement
Prebuilt, 100% digital journeys (Qualify → Offer → e-mandate → Disburse) embed in your mobile, web, and branch channels.
Seamless Core & Channel Integration
Pre-integrated with Temenos, Oracle FLEXCUBE, and Symbols; SDKs/APIs and drop-in journeys plug into your digital banking stack so you can go live in weeks.
SMARTER LENDING. ONE PLATFORM
All Your Consumer Lending Products
AI That Sees Risk Before It
Happens
Why Deposit Account Data Predicts Better
Cash-flow features (income stability, spend velocity, end-of-month balances, headroom) reflect the customer’s current capacity, not just historical repayments. That’s how AdalFi accurately SME prospects.
Control the Risk, Not Just the Process
Pre-approval affordability caps, segment-specific limits, blacklists/whitelists, and geo/product guardrails. Post-disbursement early-warning triggers (balance shocks, income drops, missed attempts) in the Optimize module drive retention/collections actions and feed back to improve scoring models.
Federated Learning by Default. Privacy by Design.
AdalFi models benefit from patterns observed in 50,000+ repayment events every month across all our lending partners. Data stays in your environment; only anonymized model updates are aggregated. No raw transactions or PII ever leave your systems.
Prove it with Numbers
We baseline and track: approval-rate uplift, booked-loan TAT (application → funding), CAC per booked loan, 90+ DPD/NPL, roll-rates, and lifetime value. Value delivered and made visible.
Shared Revenue
Shared Risk
When your loans perform, we share the upside. If they don’t, we share the loss in direct proportion to our share of the gain. Our incentives are fully aligned with yours.
With AdalFi, smarter scoring is backed by true partnership, where the growth upside and the risk downside are both shared. Your portfolio’s success is our success.
Trusted by lenders
who move fast
“Our numbers are now well in the Billions, and have hit double digits which is great progress.”
“Our collaboration has produced the desired result which is to use data, for machine-learning based modeling for credit decisioning and it’s really paying off”
“Now the dream of someone sitting on a sofa dreaming about a household appliance or a vacation can actually happen while they’re sitting in their bedroom because all they have to do is apply, AdalFi takes care of all the magic on the backend and the customer gets money in their account”
