Artoo | Technology for those who need it most.
15064
home,page,page-id-15064,page-template,page-template-full_width,page-template-full_width-php,ajax_fade,page_not_loaded,,qode-title-hidden,qode-content-sidebar-responsive,qode-theme-ver-10.0,wpb-js-composer js-comp-ver-4.12,vc_responsive
1200

CRORES DISBURSED

300000

MSMEs ASSESSED

4000+

USERS

400+

BRANCHES

Why Digitalization at the Doorstep?

kb-2
BECAUSE IT MAKES SENSE FOR THE BORROWER

Lending in the informal financial services sector is only effective when there is a physical outreach right up to the borrower’s doorstep. This is because such borrowers are intimidated by the “threshold barrier” of big banks. However reaching out to them is not easy because of problems such as unreliable network and semi-literacy. Our system is designed especially for this context.

ladies
AND THEREFORE IT ALSO MAKES SENSE FOR THE LENDER

Artoo believes that since the borrower’s doorstep is where all the data points are, it is inevitably where digitalization must begin. Moreover, the best way to impact the operational efficiency of a lender, and to enable financial inclusion at scale, is to empower the field agent to do more for the borrower right at his or her doorstep, making the most of both the technology and the field agent.

room
CREATING TECHNOLOGY THAT HUMANIZES WORK

Artoo’s technology can pull up credit bureau information in the field and present it in a simple, readable manner. Using this data, the field officer can engage the borrower in a conversation about his or her creditworthiness and explain what he or she could do to improve the credit history: like pre-close an existing loan. All of this means that technology frees up the field officer’s time to allow him or her to focus on building a relationship with the borrower.

tent-guy
PUSHING DIGITALIZATION FURTHER: LEVERAGING THE SMAC STACK

Artoo has developed an Intelligent Digital Loan Origination System, which provides digitalization at the borrower’s doorstep, making the most of hi-tech and hi-touch. Artoo’s model combines mobility with analytics and cloud computing, to digitalize the field processes – to improve productivity, reduce risk, and improve the customer experience and further adds a strong social element to the process.

Why Focus on Small Businesses?

SMALL BUSINESS LENDING

There is a gap between microfinance institutions and traditional banks, in the form of those funding small businesses. The ‘missing middle’ shows the greatest potential in the market today, and is where the greatest challenges lie.

ARTOO’S SOLUTION

Artoo’s product, with its high technology entwined with a human touch, is made to fit this segment like a glove. Our research into the small business lenders and borrowers, has allowed us to create flexible systems with minimal risks.

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.

Product and Partners

For lenders targeting small businesses, who are dissatisfied with the limitations of Traditional Loan Origination Systems, our product is an Intelligent Digital Loan Origination System that provides comprehensive digitalisation at the borrower’s doorstep.

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.

209x409

HOW COULD ARTOO WORK FOR YOU

Artoo’s product is customizable for your organization’s purpose. The model and pricing are dependent on products and tools chose, portfolio size of the company and the support package required.

TESTIMONIALS

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.

Samit Ghosh, MD & CEO, Ujjivan Financial Services