Smartcoin

Providing financial access to the millions of mobile users in India using alternative credit assessment

SmartCoin is a mobile app based lending platform, capable of assessing the risk profile of a prospective borrower in real time, using data science and machine learning algorithms. Their proprietary credit underwriting engine aggregates thousands of data points on a customer’s smartphone to build a customized credit score. A customer is instantly offered personalized loan products on the basis of his risk and capacity, and the money is transferred digitally to their bank account.

Founders:  Amit Chandel, Jayant Upadhyay, Rohit Garg

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