AI-powered provisioning, AML monitoring, operational risk management, and cybersecurity built for microfinance institutions and non-bank financial companies. Automate compliance at scale while maintaining thin-margin profitability.
MFIs and NBFCs must meet growing regulatory expectations while managing high-volume lending with limited resources.
Microfinance institutions manage thousands of small-ticket loans with limited collateral. Accurate provisioning under IFRS 9 is critical but complex, with high default correlation and limited borrower data for traditional credit scoring.
High-frequency, low-value cash transactions and mobile money flows create significant AML exposure. Regulators increasingly expect MFIs and NBFCs to maintain the same KYC/AML standards as banks, despite resource constraints.
Decentralized branch networks, field agent operations, and manual processes create operational risk hotspots. Fraud, data entry errors, and process failures can erode thin margins and damage client trust.
MFIs and NBFCs face evolving regulatory frameworks including RBI/central bank guidelines, prudential norms, capital adequacy requirements, and sector-specific fair lending and customer protection rules.
Purpose-built platforms helping MFIs and NBFCs automate compliance, quantify risk, and protect digital lending infrastructure.
Automated expected credit loss calculations designed for high-volume, small-ticket lending. Collective assessment modeling, stage migration tracking, and forward-looking provisioning optimized for microfinance portfolios.
AI-powered transaction monitoring for cash-intensive, mobile money, and agent banking channels. Risk-based KYC, sanctions screening, and automated regulatory reporting calibrated for MFI/NBFC transaction profiles.
Risk-based audit planning, branch audit automation, and regulatory examination readiness. Digitize field audit workflows, track findings, and ensure remediation across decentralized branch networks.
RCSA for branch operations, field agent activities, and disbursement processes. KRI monitoring for fraud detection, process failures, and operational losses with Monte Carlo simulation for capital estimation.
Unified governance, risk, and compliance platform with regulatory reporting, capital adequacy monitoring, policy management, and board-level dashboards tailored for MFI/NBFC regulatory requirements.
Unified SOC protecting mobile lending apps, agent banking platforms, core banking systems, and customer data. 24/7 monitoring with AI-powered threat detection and automated incident response.
Seven integrated platforms covering every aspect of microfinance compliance, risk management, and security operations.
See how Raptas platforms can automate provisioning, streamline AML monitoring, and strengthen operational controls for your institution.
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