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.
ONE INTELLIGENCE LAYER
One intelligence layer across the credit lifecycle
Acquire the data. Understand the borrower. Act with confidence.
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.
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.
Customer stories
Understand the complete financial profile
Built for financial businesses
Make faster, more informed credit decisions
COMMON QUESTIONS
FAQs
What is an Account Aggregator API?
An Account Aggregator API enables financial businesses to access consented financial information through the Account Aggregator ecosystem. Setu provides multi-AA infrastructure to securely access real-time financial information across multiple AAs and FIPs.
How can a credit intelligence platform improve underwriting?
A credit intelligence platform can combine financial data with analytical signals to give lenders a more complete view of borrowers. Setu's Credit Intelligence Suite follows an Acquire → Understand → Decide → Act framework, helping lenders move from consented financial data to insights on income, obligations, cash flows and risk
Can credit intelligence be used beyond loan underwriting?
Yes. Credit intelligence can support multiple stages of the credit lifecycle, including underwriting, portfolio monitoring, collections, recover, and cross-sell. Setu's suite is positioned to identify financial stress, surface pre-delinquency signals, identify collection windows and find relevant cross-sell opportunities.
What is UPI transaction analysis and why is it important for lending?
UPI transaction analysis helps lenders interpret transaction behaviour that may not be adequately captured by traditional bank-statement parsing. Setu's SignalIQ is designed to decode UPI-heavy transaction data into structured credit signals, giving lenders deeper visibility into borrower behaviour.
How does cash flow analysis help with credit assessment?
Cash flow analysis helps lenders understand how money moves through a borrower's accounts, including income patterns, financial obligations and liquidity. This can provide additional context for credit assessment and repayment-capacity evaluation.
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.