CREDIT INTELLIGENCE SUITE

Turn financial data into strategic actions

Get a complete, decision-ready view of every borrower with consented financial data and AI-powered intelligence built for modern underwriting.

Explore Credit Intelligence

CREDIT LIFECYCLE INTELLIGENCE

Acquire the data. Understand the borrower. Act with confidence.

ONE INTELLIGENCE LAYER

One intelligence layer across the credit lifecycle

Bring consented data and AI-powered analysis together, from acquisition and understanding to decisioning and action.

ACCOUNT AGGREGATOR

Access real-time financial information across multiple AAs and FIPs

Acquire secure, authentic, user-consented financial data through Setu’s multi-AA infrastructure.

Explore Account Aggregator

ACCOUNT AGGREGATOR

Access real-time financial information across multiple AAs and FIPs

Acquire secure, authentic, user-consented financial data through Setu’s multi-AA infrastructure.

Explore Account Aggregator

ACCOUNT AGGREGATOR

Access real-time financial information across multiple AAs and FIPs

Acquire secure, authentic, user-consented financial data through Setu’s multi-AA infrastructure.

Explore Account Aggregator

SIGNALIQ

Decode bank statements and UPI-heavy transaction data

Turn raw financial activity into structured, actionable credit signals for underwriting, monitoring, collections, and growth.

Explore SignalIQ

SIGNALIQ

Decode bank statements and UPI-heavy transaction data

Turn raw financial activity into structured, actionable credit signals for underwriting, monitoring, collections, and growth.

Explore SignalIQ

SIGNALIQ

Decode bank statements and UPI-heavy transaction data

Turn raw financial activity into structured, actionable credit signals for underwriting, monitoring, collections, and growth.

Explore SignalIQ

FROM DATA TO INTELLIGENCE

One connected flow. Better financial decisions at every step.

Acquire consented data, understand financial behaviour, decide with a richer borrower view, and act across the credit lifecycle.

01 — Acquire

Get consented financial data through Setu’s multi-AA infrastructure.

01 — Acquire

Get consented financial data through Setu’s multi-AA infrastructure.

02 — Understand

Analyse bank statements and decode UPI transactions with SignalIQ.

02 — Understand

Analyse bank statements and decode UPI transactions with SignalIQ.

03 — Decide

Build a richer view of income, obligations, cash flows, and risk.

03 — Decide

Build a richer view of income, obligations, cash flows, and risk.

04 — Act

Improve underwriting, collections, recovery, and cross-sell decisions.

04 — Act

Improve underwriting, collections, recovery, and cross-sell decisions.

Explore the suite

POWER THE CREDIT LIFECYCLE

Deeper financial intelligence at every stage

Use a complete view of financial behaviour to underwrite, monitor, collect, and grow with more confidence.

Underwrite with more confidence

See borrower income, cash flows, obligations, and financial behaviour beyond a traditional score.

Underwrite with more confidence

See borrower income, cash flows, obligations, and financial behaviour beyond a traditional score.

Monitor beyond disbursal

Identify changing cash-flow patterns and early indicators of financial stress.

Monitor beyond disbursal

Identify changing cash-flow patterns and early indicators of financial stress.

Collect before default

Surface pre-delinquency signals and identify stronger collection windows.

Collect before default

Surface pre-delinquency signals and identify stronger collection windows.

Grow the right customers

Use real financial behaviour to identify relevant cross-sell opportunities.

Grow the right customers

Use real financial behaviour to identify relevant cross-sell opportunities.

Dhan’s success story

50%

of onboarding automated with AA

75%

lower verification cost

AA didn’t just save us money—it allowed us to scale, verify faster, and meet the user experience our traders expect. It’s a win in every way.

Anirudha, Senior Product Manager, Dhan

Read Dhan’s success story

50%

of onboarding automated with AA

75%

lower verification cost

AA didn’t just save us money—it allowed us to scale, verify faster, and meet the user experience our traders expect. It’s a win in every way.

Anirudha, Senior Product Manager, Dhan

Read Dhan’s success story

50%

of onboarding automated with AA

75%

lower verification cost

AA didn’t just save us money—it allowed us to scale, verify faster, and meet the user experience our traders expect. It’s a win in every way.

Anirudha, Senior Product Manager, Dhan

Read Dhan’s success story

Olyv’s success story

16%

improvement in consent conversion

92%

peak data fetch success rate

The Account Aggregator framework implemented through Setu transformed our lending process. Verification that took a dedicated team 45–60 minutes now happens automatically in under five minutes.

Vinay Kumar Singh, Co-Founder & Chief Product Officer, Olyv

Read Olyv’s success story

16%

improvement in consent conversion

92%

peak data fetch success rate

The Account Aggregator framework implemented through Setu transformed our lending process. Verification that took a dedicated team 45–60 minutes now happens automatically in under five minutes.

Vinay Kumar Singh, Co-Founder & Chief Product Officer, Olyv

Read Olyv’s success story

16%

improvement in consent conversion

92%

peak data fetch success rate

The Account Aggregator framework implemented through Setu transformed our lending process. Verification that took a dedicated team 45–60 minutes now happens automatically in under five minutes.

Vinay Kumar Singh, Co-Founder & Chief Product Officer, Olyv

Read Olyv’s success story

BUILT FOR FINANCIAL BUSINESSES

Make faster, more informed credit decisions

Access consented financial data and richer intelligence for lending, broking, and modern financial products.

Lending

Improve underwriting and expand credit access with consented data and a deeper borrower view.

Lending

Improve underwriting and expand credit access with consented data and a deeper borrower view.

Brokers

Use investment and financial data to build richer customer profiles and personalised experiences.

Brokers

Use investment and financial data to build richer customer profiles and personalised experiences.

Explore Identity Verification

Stop making credit decisions on incomplete data

Bring consented financial data and AI-powered intelligence together to understand customers better and build the next generation of credit products.

Contact sales

COMMON QUESTIONS

FAQs

What is the Credit Intelligence Suite?

It combines consented financial data from Account Aggregator with AI-powered analysis from SignalIQ to support decisions across the credit lifecycle.

How does Account Aggregator fit into the suite?

Account Aggregator securely acquires user-consented financial data across multiple AAs and FIPs through Setu’s routing infrastructure.

What does SignalIQ analyse?

SignalIQ decodes bank statements and UPI-heavy transaction data into structured signals about income, obligations, cash flow, and financial behaviour.

Which stages of the credit lifecycle are supported?

The suite can support underwriting, post-disbursal monitoring, collections, recovery, and relevant cross-sell decisions.

Who is Credit Intelligence built for?

It is designed for lenders, brokers, and other financial businesses that need reliable consented data and deeper decision-ready intelligence.