Ignosis

Automate financial underwriting and debt collections using banking data and voice agents

Pricing model

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You can use Ignosis to connect directly to Indian Account Aggregator networks and retrieve verified banking data for credit underwriting. It evaluates borrower bank statements, cash flows, and business transactions to calculate repayment capacity and detect financial risks. The system also deploys automated voice agents to handle debt collections, prioritize delinquent accounts, and identify the best timing for mandate representations. In addition, lenders and financial institutions can distribute credit across open networks like ONDC and monitor portfolio performance with real-time financial tracking dashboards.

What Ignosis does

Fetch consented financial records through Account Aggregator networksCalculate borrower debt-to-income ratios from bank statementsDeploy automated voice calls to collect overdue loan paymentsPrioritize delinquent borrower accounts by repayment likelihoodSchedule automated debit mandates to prevent transaction bouncesAnalyze call recordings to verify agent compliance and call qualityCross-verify business transaction histories for merchant lendingMulti-Account Aggregator orchestration for retrieving verified bank recordsBank statement analysis to verify borrower income and ongoing obligationsAutomated voice bots for early-stage and overdue debt collection outreachSmart mandate execution to schedule debits at peak balance timesMSME transaction analysis to evaluate business cash flows and credit riskSpeech analytics to inspect collection calls for quality control and complianceEmbedded credit distribution interfaces for ONDC-FS and OCEN networks