AI-Powered Cash Flow Analysis and Loan Decisioning
Increase profit, reduce risk, and enhance borrower satisfaction with Lokyata’s AI-driven decisioning, analytics, and automation platform.
Why choose Lokyata?
Bank statements are a rich source of current financial and behavioral data. Accurately identifying and standardizing transaction categories is difficult, but Lokyata has addressed these problems.
More Approvals Without More Risk
- Generates 160+ KPIs, scores, and parameters.
- Customizable rules engine that automate your underwriting rules
- Fully customized underwriting by configuring our engine to fit your process
Lower Loan Processing Costs
- Reduce or eliminate manual agent costs.
- Improve approval throughput by 5x
- Complete assessments and disburse funds in minutes.
Integrated Fraud Detection
- Flags fraud risks & reduces human error.
- Multi-layered fraud detection.
- Full auditability ensures every decision is traceable.
Lokyata's AI-Powered Solutions
BANKANALYZE
AI-Based Cash Flow Analysis
- Fast and accurate cash flow underwriting.
- Automatically categorizes income and debt for smarter loan decisions.
- Instantly enriches bank transaction data
LEADBUY
Smarter Lead Buy Decisioning
- Self-Service Lead Buy Workflow Automation
- AI-based lead analysis based on tens of thousands of loans
- Include customized rules-based lead screening according your rules
FRAUDBLOCK
Sophisticated Fraud Detection
- Integrated Lead Screening, AI Fraud Models, and Fraud Consortiums.
- Plug and Play with Popular
- Alt-Data Providers and Credit
- Reporting Agencies
- Reduce credit bureau costs
Case Study: Lead to Loan Automation
Find out how your business can achieve the same results with Lokyata. Let’s talk!
A Texas-based consumer installment lender was struggling with high acquisition costs and inefficient loan processing. By implementing Lokyata’s AI-driven decisioning platform, they cut their cost-per-funded loan by 16% while buying 50% fewer leads—yet still saw a 40% increase in fund rates. Lokyata’s advanced underwriting also reduced first payment default (FPD) by 2 points, boosting FPD performance by 20%. With streamlined automation, the lender processed 1000% more loans, leading to a 4%+ increase in per-loan ROI. More loans, lower costs, and stronger returns—all powered by Lokyata
Find out how your business can achieve the same results with Lokyata. Let’s talk!
Unlock Smarter Lending Today
“Lokyata is the silver bullet we have been looking for. It is the future of online lending. Using their suite of products, our organization reduced the variability in our underwriting process and significantly increased our throughput in processing loans.”
-Randall M
Consumer installment loan lender
