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Finoto AI Is Revolutionising Credit Cycle Automation.

Building intelligent, scalable, and future-ready solutions that empower businesses to thrive. Driving innovation through automation to simplify and transform financial processes.
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About Finoto AI – FinotoAI Is Revolutionising Credit Cycle Automation.

KECServ OPC Pvt Ltd, an India-based Artificial Intelligence startup, is dedicated to building intelligent, scalable, and future ready solutions for businesses across diverse industries. We believe in the power of Knowledge, the strength of Empowerment, and the spirit of Collaboration (KEC) to redefine the future of finance.

Our Vision

To be the most trusted AI innovation partner, enabling organizations to transform complex workflows into intelligent, seamless, and value-driven systems.

Our Mission

To democratize AI adoption by delivering solutions that are simple, reliable, and measurable 4 empowering businesses to achieve speed, compliance, and customer delight.

Our Solution: The Unified AI Loan Journey

Finoto AI offers a single, comprehensive AI-driven platform that manages the entire loan lifecycle, moving lenders from chaos to
clarity.
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Customer Acquisition & Lead Management
1.

Operations & Onboarding

2.
Automated Underwriting
3.
Technical & Legal Valuation
4.
Loan Disbursement & Finance Automation
5.

Collections & Recovery

6.

AI-Powered Customer Service

7.

The Lending Challenge Today

Traditional lending processes are often fraught with inefficiencies, creating significant hurdles for financial institutions

High Acquisition Costs

Sustained expenses in attracting and converting new loan applicants.

Manual Underwriting

Error-prone and slow manual underwriting causing delays and inconsistencies.

Lengthy Onboarding

Time-consuming KYC and customer onboarding processes leading to drop-offs.

Delayed Disbursements

Inefficient internal processes leading to significant delays in loan payouts.

Rising NPAs

Increasing Non-Performing Assets and inefficient collection strategies.

Poor Customer Experience

Suboptimal customer service due to lack of
personalization and speed.

Pricing Models

SAAS Subscription

Pilot to Full Scale Cycle

Per Loan Journey

Each Loan Based on Journey

Modular Pricing

Pay For The Engine You Actually use

Impact Metrics

  • 30% 30%

Customer Acquistion Cost

Reduced
  • 70% 70%

Onboarding Time

Reduced
  • 90% 90%

Underwriting TAT

Reduced
  • 25% 25%

Collections Efficiency

Increased
  • 50% 50%

Customer Satisfaction

Increased

KECServ Advantage

BFSI Domain Expertise

NBFC, HFC & FIntech

Proven AI + Automation Solution

For Lending & Collections

Customisable WorkFlows

Fit Client Systems
Smart Finance

AI-Driven Loan Disbursement & Finance Automation

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Instant Fund Disbursement

Accelerating Lending Process

Predictive Financial Analysis

Supports Robust Liquidity Planning

Automated Reconcillation

Compliance Reports for Seamless
Operations

What Our Clients Say About Finoto AI

Customer Reviews

At Finoto AI, we take pride in empowering financial institutions with intelligent automation solutions. Here’s what our clients have to say about how we’ve simplified their credit and finance operations.

“Finoto AI has completely transformed our credit evaluation process. The automation and accuracy it brings have reduced manual errors and saved us countless hours every month.”

Ramesh Khanna

Chief Financial Officer, Vardhan Fintech
☆☆☆☆☆
“Their AI-driven platform helped us streamline loan disbursement with unmatched efficiency. Finoto truly delivers on its promise of intelligent, scalable automation.”

Meera Singh

Operations Head, Axis Capital Partners
☆☆☆☆☆
“We’ve seen a 40% improvement in processing speed since integrating Finoto AI. It’s like having an expert team working round the clock for us.”

Aditya Verma

Managing Director, Crestline Finance
☆☆☆☆☆
“The seamless integration and support from the Finoto AI team made our digital transformation journey effortless. Their solution is both powerful and user-friendly.”

Kavita Nair

VP – Digital Transformation, TrustLink Finance
☆☆☆☆☆
“Finoto AI helped us detect risk patterns we couldn’t identify before. It’s a game-changer in credit automation and risk management.”

Rohit Mehta

Credit Risk Analyst, BlueSky Microfinance
☆☆☆☆☆

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