Startup Profile
The problem we're solving
The problem lies in traditional lending systems, which rely on outdated methods and limited financial data for credit assessment. These systems are slow, inefficient, and often fail to capture the full risk profile of businesses, leading to delayed decisions and missed opportunities. Additionally, they struggle to assess the creditworthiness of businesses with limited financial histories or complex transactions, resulting in higher loan losses and restricted access to credit for underserved mark
Our solution
Cxingularity integrates real-time analytics, instant assessments of balance sheets and P&L, transactional intelligence via open banking, and real-time monitoring of POS machines. We also use alternative data like social media and reviews. Powered by advanced AI models like GNN, our platform predicts defaults accurately, provides continuous risk monitoring, and speeds up credit decisions. This helps lenders reduce risk, extend credit to underserved markets, and boost efficiency by 300-400%.
Our differentiator
The differentiator lies in Cxingularity's decision intelligence, hyper-personalization, Customer 360, and real-time insights. The platform leverages advanced AI to provide tailored, real-time credit assessments, adapting to each business's unique financial behaviors and risks. By integrating real-time transaction data, alternative data, and behavioral insights, Cxingularity offers a comprehensive view of risk, enabling faster, more precise, and low-risk credit decisions for lenders.
Biggest achievement
Cxingularity's biggest achievement is transforming credit decisioning by removing human bias and eliminating information gaps, all without relying on complex jargon. Using real-time data and advanced AI, we ensure fair and transparent credit assessments, free from demographic biases. This has increased operational efficiency by 300-400%, reduced loan losses, and expanded personalized credit access to underserved markets, ultimately enhancing customer experience (CX) and making lending more inclu
