The Future of MSME Lending
The best way to effectively serve MSME borrowers with a limited digital footprint is to implement cutting-edge technology at the borrower’s doorstep since that is where all data points are and hence where digitalization must begin.
MISSING MIDDLE
MSMEs comprise the largest and fastest growing segment. There is an estimated annual funding gap of 30 billion dollar between MFIs and Traditional Banks, presenting a huge market opportunity for Lenders.
LIMITED DIGITAL FOOTPRINT
They have undocumented, irregular income which require nuanced underwriting methods and this is where Artoo’s approach of Intelligent Doorstep Digitalization can add most value.
HELPING THE REAL HEROES
A qualitative dimension of this segment is that it consists of those individuals, who when they receive a bit of a leg up, truly pick themselves up and take responsibility for their own lives. Artoo considers it a privilege to serve small entrepreneurs.
Why Digitalization at the Doorstep?
BECAUSE IT MAKES SENSE FOR THE BORROWER
MSMEs comprise the largest and fastest growing segment. There is an estimated annual funding gap of 30 billion dollar between MFIs and Traditional Banks, presenting a huge market opportunity for Lenders.
AND HENCE IT MAKES SENSE FOR THE LENDER
The best way to impact the operational efficiency of a lender is to empower the field agent to do more for the borrower right at his or her doorstep to achieve financial inclusion at scale.
THE OUTCOME IS DEEPER FINANCIAL INCLUSION
By collecting data at source, doorstep digitalization makes a data poor borrower data rich, enabling nuances credit underwriting and fueling lending to this segment.
Product and Partners
Manage Distributed Sales Teams
Qualify leads, cross sell, and improve conversion rates
Paperless, error-free, instant customer onboarding
Monitor your portfolio performance
Intelligent doorstep credit assessment
HOW COULD ARTOO WORK FOR YOU
Our edge comes from our dedicated user support, human-centred product design and insights into user performance improvements. At the core of Artoo’s value proposition is its ability to customize for every organization and to do this at an affordable price. Unlike FinTechs that provide Big Data credit underwriting, we have assembled key whole product features that have the intelligence to understand all possible nuances of small businesses, while meeting all compliance standards.
1200
CRORES DISBURSED
450000
MSMEs ASSESSED
4000+
USERS
400+
BRANCHES
"From a strategic perspective, we definitely need a handheld solution to improve our data quality and productivity. The field users embraced Artoo’s technology as it helped them reduce error rates and turnaround time, and improve productivity."
"We have leveraged Artoo's expertise in front end digitalization in the SME lending space. This has allowed us to optimize our lending solutions, thereby improving efficiency and turnaround time, delivering a significantly improved customer experience.”
"Samunnati is driven by the philosophy that technology can make delivery of financial services in rural areas – simple and paperless. Artoo has enabled us to do this."
“Going with Artoo for our Individual Lending business proved to be a very good choice. I don’t think our field staff can go back to a paper process now.”