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Karza Technologies

We stand on the trifecta of digitization: automation, enhanced diligence, and robust decisioning for straight through processing; creating a state-of-the-art digitization process without compromising on security and quality.

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Karza Technologies

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  1. Enabling Decisions

  2. Inefficiencies in BFSI Ecosystem Traditional organisations have limitations that make them slow, inefficient & unable to meet rising demand Regulatory Pressures Manual Process of on-boarding Scattered and Unstructured Data Regulatory pressure and compliance requirements are mounting with rise in frauds, bad loans and defaults High TAT, huge operational costs & frauds restrict penetration of financial services Data is scattered across the web and not available in a consumable, intelligent manner At 12.2% Consumer Credit AUM to GDP Ratio & 11% Mutual Funds AUM to GDP Ratio, India significantly lags behind its peers NPAs over $150B have a systemic risk on the Indian economy Multiple licensing requirements, high requirements of statutory & compliance filings, several state level regulatory bodies, regional language portals indicates fragmented data Frauds over $10B in 2019 alone were recorded by the RBI Less than 40M credit card customers

  3. Karza - One stop solution for Digitization, Verification and Diligence Needs! Integrated with 750 + digital public sources & Alerts on 150+ Negative Lists 750+ Singular Gateway to 820 Million+ Entities and Business associations profile Instant Access to 1 Billion+ records compiled through 750+ public sources 820 M+ 1 B+ 6 M+ 6 Million+ records processed everyday to profile business and entities within seconds Unparalleled Intelligence & Instant Access: 10X more businesses(20M+) profiled than all existing players

  4. Karza Promise Access to wider markets Through wider coverage of intelligence, Karza opens up 10x opportunity for institutions to on-board 800+ million businesses and individuals. New Age Alternate Bureau integrating scattered public information to deliver insights and intelligence digitally and elevating the whole organization across Business Development, Risk, Credit, Operations and Collections. Revolutionize customer experience Integrated intelligence revolutionizes the customer experience by enabling friction less process and instant decisions. Elevate Risk and Compliance Measures With enhanced diligence and credit intelligence through 750+ alternate data sources, Karza makes the risk, credit and compliance functions even more robust Reduce operational overheads Thoroughly digital delivery of solutions reduces operational overheads and turn around time while assessing profiles and consolidating multiple solutions in one place

  5. Karza’s Product Suite AI and ML powered backbone of every stage of a transaction – from on-boarding to monitoring K:Scan K:Lookup K:TotalKYC Most comprehensive due diligence platform Digital skip tracing and recovery assistant Digital on-boarding and risk assessment platform K:Litigation K:Watch Portfolio monitoring for Early Warnings and Alerts Comprehensive Legal Analysis Platform 5

  6. The Product Story Karza offers solutions at every step of the customer journey & elevates Customer Experience Customer On-boarding Due On an Application / Website I Sanction & Disbursal Monitoring Recovery Diligence Employment Checks Income – ITR/GST Banking Analytics (WIP) Negative Lists, Compliance, Litigation, Related Party Checks Bank A/C verification eSign Disbursal & eNach/eMandate Suite (WIP) Risk KYC Verification Form Auto-filled VideoKYC Discover Management & Fraud Analytics EWS systems Collections Management KARZA STITCHED PROFILE USING AI, ML, NLP TOOLS + K:WATCH K:TOTALKYC + K:SCAN K:LOOKUP K:TOTALKYC Interdependent Intelligence Platforms Digital On-boarding, Underwriting and Holistic Diligence

  7. TotalKYC The K:TotalKYC Product Suite consists of 100+ Micro APIs solving Diverse Use Cases including Flagship products like Business KYC Verification Suite POI & POA APIs, Statutory Filing Status, GST & ITR Analytics, Related Party Info Amazon Award Winner State-of-the-Art Analytics Suite AI enabled Face Match, Name Match and Address Match algorithms RBI and SEBI - Regulatory Compliant VideoKYC OVD Verification Liveliness Check Lat-long Check Individual KYC Employment Verification Suite POI & POA APIs, Employment & Employer Verification, ITR, Form 16, EPFO, ESIC The K:Total KYC Product Suite meets one of these 3 functions Regulatory Compliance Verification and Risk Management Automation & Auto filing Ensures seamless remote on-boarding, enhanced customer experience and prudent risk management for Individuals and Businesses

  8. TotalKYC suite- KDISCOVER Rule engine-based risk scoring platform used by Fraud & Risk Control Units of BFSI • Oneof its kindUnifiedoffering to risk-scoreanapplication for all KYC relatedverification • Inter-linkage of several databases to verifyidentity, address,employment • Confidence Score (Match %) for eachinput culminating into an overall Risk Score • First Step towards launching K:Score Customized Risk Score thresholds to conclude complete identity profiling on a single dashboard

  9. KScan® The most comprehensive platform to assess, monitor and safeguard from all counter-party risks Ownership Information Negative News Exhaustive Database Shell Entity Identification Alerts Near real-time monitoring 1 Billion+ records processed Advanced analytics run on 200 negative lists 98.5% accuracy achieved Automated information on SBO and UBO available. Singular Gateway for comprehensive profiling of 20M+ entities established basis 750+ public sources like MCA, GST, NCLT, Wilful defaulters list, credit rating agencies, etc. Risks are classified into statutory compliance, credit and banking risks and further categorized into low medium and high risks to aid in defaulters identification Periodic refreshing of the entire information set to ensure near-real time information

  10. KScan Suite - KGST & KITR Enhancing the SME underwriting capabilities of banks and financial institutions Processes and screens businesses in less than 30 seconds! KGST - 8M GST filing entities Covered KITR - 68M ITR filing entities Covered Verification on the financial antecedents of individuals & entities who have filed IT returns Intelligence on businesses basis profiles and detailed consent driven reports obtained for GST registered entities K:GST & K:ITR Insights are available as machine readable extracts to power BRE In-depth business insights on customer-wise, product-wise & supplier-wise data Tracks GST returns filing status Provides Credible financial insights for underwriting Consolidation of GST + ITR data to simulate YTD Financials Fraud analytics incl. related party / cyclical / fake invoicing transactions

  11. KLookup A one-of-a-kind skip-tracing and asset-tracing solution PropertyRegistration Records Unique Address and ContactRecords Utility Bill Records Assists Banks & FIs in tracing non-contactable defaulters & identifying undisclosed assets

  12. Built by Domain & Technology Experts Karza is the largest data, analytics, automation and decisioning solution provider to BFSI, catering to the entire transaction lifecycle from onboarding to diligence & monitoring to collections. Karza solutions enable systemic fraud prevention, risk management, compliance & automation through superior data engineering and deep tech applications. The Founders: Recognized by Fortune 40 Under 40 Extensive experience across fraud investigations and AI & ML technology Alok Kumar Omkar Shirhatti Gaurav Samdaria Co-Founder, CTO IIT KGP, Ex-Morgan Stanley Co-Founder, CEO CA, Ex-EY Investigations Co-Founder, CBO CA, CFA, FRM, Serial Entrepreneur 70% 20% 100+ 3000+ Cr Collections Boosted Live Products Time saved through digitization Frauds averted 12

  13. Achievements Recognized by the Industry Leaders NASSCOM AI Gamechangers Awards program 2021 - Challengers HDFC Digital Innovation Award 2020 Technoviti Super Awards 2019 IAMAI's India Digital Awards - Most Innovative RegTech Solution Accelerated by Yes Bank, ICICI Bank, Axis Bank and Viacom18 Top Startup to work for in 2019 by LinkedIn Best AI in Fintech 2019 Fintech Valley Vizag Award 2020 Maharashtra Start-up Week Fintech Award 2021 : Top 20 20 M+ 100+ Live Products 200+ Live Clients 2 Bn+ Plug-and Play Solutions Monthly Transactions Records Processed

  14. Our Clients New Age Fintech & Payments Commerce & Corporates Traditional BFSI 200+ Clients With widest coverage of industries and use cases across Banking, Lending, Payments, Insurance, Investments and Commerce 14

  15. CONTACT US www.karza.in +91 981 980 2177 info@karza.in CoWrks, Birla Centurion, Worli, Mumbai

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