Intellectual Capital
Fortifying our excellence
OUR APPROACH
Our intangible process encompasses our technological enhancements that boosts the overall operational efficiency. In tandem with digitalisation wave, we have accelerated our digital journey through adopting modern edge technologies and platforms. This further streamlined the customer life cycle while enhancing their experience with us.
Our approach to intellectual capital involves leveraging technology to democratise access to credit, alongside significant investments in IT infrastructure. We combine human expertise with technology to understand underserved micro-enterprises, delivering quick and viable financing solutions. Additionally, our credit assessment process enables us to extend loans to customers with limited or no recorded credit/income history, ensuring inclusive access to financial services.
KEY HIGHLIGHT FY24
SIKKA APP
Enable customers to track loan application status and manage EMIs and help them invest in digital gold, apply for loans and buy health insurance.
Growing with Bharat
We are ensuring financial inclusion by
Leveraging technology (in the absence of availability of GST/ITR/Banking records of customers, delivering credit through customer connect and data-driven underwriting)
Levelling up by going 100% digital (quicker customer onboarding and loan approvals, paperless process)
Transforming lives (serving the underserved)
Technology and MIS integration
Loan Management System
Cloud-based system integrating banks, credit bureau, insurance, and lending partners
HRMS
Implements employee lifecycle management from onboarding to payroll, and HR compliance to separation
SD-WAN
Utilises SD-WAN technology for branch networking over broadband connections, with centralised network management via Mobile and Web applications
Analytics
Business Intelligence tool for interactive dashboards and analytics, integrated with HRMS, ILMS, and accounting software for periodic performance review
ADHERING TO AN ASSET-LIGHT BUSINESS MODEL
Our asset-light business model is a key enabler to seamless integration of physical and digital channels for customer acquisition and management. With a focus on innovation, our underwriting methodologies, AI-enabled decisionmaking algorithms, and API integrations, we ensure efficiency and scalability while optimising the cost.
Key highlights
Hybrid physical and digital approach for customer acquisition and operations
Custom underwriting methodologies tailored to different customer segments
Next-gen cloud-based Loan Management System
Integration of customer data through Mobile & Web applications for streamlined processes
API integrations with credit bureaus and banks for efficient CMS activities
OVERVIEW TO OUR DIGITAL LANDSCAPE
Moneyboxx Finance learning centre
Our Learning Centre enhances employee engagement and skills development, fostering a culture of continuous learning and growth. It provides comprehensive job-related training, accelerating learning and positively impacting employee attitudes towards colleagues, supervisors, and the organisation.
Sikka app
The Sikka app stands as a digital financial ecosystem crafted to uplift small and medium businesses, fostering growth and wealth creation. Tailored to the distinct requirements of rural India, it seamlessly integrates financial assistance with literacy, nurturing savings habits to empower aspiring entrepreneurs. By blending financial support and education, Sikka app catalyses the progress of small ventures, contributing to economic development and prosperity in rural communities.
Lending partnerships
Strategic lending partnerships with Vivriti Capital Limited, MAS Financial Services Limited, and Utkarsh Small Finance Bank optimise resource utilisation and increase customer reach. Expanding our partner network offers a wider array of loan products, catering to a diverse customer base.
Human Capital 
