Integrations

Client SDK Workflow

Credit Bureaus#

We fetch borrowers' credit score via credit bureaus like CIBIL and Experian

Risk Assessment Data Sources#

  • We fetch borrowers' credit score via credit bureaus like CIBIL and Experian
  • Finbox’s DeviceConnect and BankConnect collects alternate data to generate a FinBox Inclusion Score (FIS)
  • We also get alternate data from our partners.

Using the data gathered we underwrite and determine the eligibility of user for borrowing loan

Lenders#

  • IIFL
  • Trustlender
  • Arthan
  • HCIN We provide credit score and our predictions to the lenders. Based on their policy lenders lend money to the borrowers.

Supported platforms#

Partners#

  • B2B E-commerce platforms
  • Retail tech companies
  • Neobanks
  • Invoice management platforms
  • FMCG companies
  • D2C Brands
  • Logistics and HR Tech Apps
  • Khata Apps

Banks#

150+ banks are supported by FinBox BankConnect.

Account Aggregators#

Finbox uses Account Aggregators to fetch borrowers’ bank statements directly using their phone numbers. Currently, the following five banks are supported by account aggregators -

  • HDFC Bank
  • Axis Bank
  • IndusInd Bank
  • ICICI Bank
  • Federal Bank
Account Aggregators are also shipped in integration with BankConnect

Know Your Customer#

Finbox integrates Aadhar, PAN and GST to ensure a seamless e-KYC and a smooth agreement eSign process.

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