Intelligent Decisioning for Consumer Installment Lending
Lower CPF.
Lower FPD.
Higher ROI.
Lokyata’s intelligent lead selection, cashflow underwriting, and portfolio analytics platform gives lenders a complete loan decisioning system
Trusted in the industry · Integrated with your stack
THe problem
Lenders lose money in 3 big ways
Poor lead selection increases costs
Most lenders have no way to assess applicant quality at the moment of lead purchase. Identity, fraud risk, and repayment likelihood are unknown until underwriting, by which time the acquisition cost is already spent. The decision to buy happens before the data to make it well.
Manual cashflow analysis is limiting
Agent review is constrained by time and individual pattern recognition. No agent can process millions of borrower behaviors, transactions, and outcomes to inform a single decision. That ceiling limits both the accuracy of your approvals and the volume your team can handle.
Fragmented workflows make optimization hard
Without an integrated platform, every stage of the lending workflow operates in isolation. There is no continuous view of borrower behavior from lead selection through funding, repayment, and repeat eligibility. You cannot optimize what you cannot see end-to-end.
Lokyata addresses all these problems
Integrated Configurable Platform
Buy the right leads and identify the right borrowers using AI-enabled LeadBuy and Cashflow Analysis, as well as continuous performance-based optimization – all within one integrated platform
Automated Intelligent Decisioning
Automate decisioning with auto-deny, auto-approve, and agent-supported review using lender-specific rules, 200+ borrower behavior signals, and proprietary cashflow algorithms to automate decisioning
Disruption-Free Implementation
Start with the current underwriting workflow, introducing automation gradually, deploy LeadBuy, Post-LeadBuy, or the full workflow, and integrate with preferred LMS, IBV, CRAs, and fraud providers.
The platform
Why Lokyata
Pioneers in Data & AI-driven financial inclusion
Lokyata has been building and optimizing compliant, transparent and data-driven AI models for small dollar lending optimized over for nearly a decade.
35M
Leads Processed
2M
Powered Pre-Approvals
240K
Lead to Loan datasets that inform our models
SOC-2 Type 2 certifications in all 5 areas: security, availability, confidentiality, processing integrity, and privacy
Testimonials
What our customers think of us
Boost your product and service's credibility by adding testimonials from your clients. People love recommendations so feedback from others who've tried it is invaluable.
Chief Credit Officer
Texas-based lender
Boost your product and service's credibility by adding testimonials from your clients. People love recommendations so feedback from others who've tried it is invaluable.
Chief Credit Officer
Texas-based lender
Boost your product and service's credibility by adding testimonials from your clients. People love recommendations so feedback from others who've tried it is invaluable.
Chief Credit Officer
Texas-based lender
See how Lokyata optimizes your portfolio
Book a 30-minute walk-through to learn more about the platform and see its capabilities in action.
- Fast Implementation, complementary to your workflow
- White-glove onboarding and support
- Pricing scales with loan volumes
