PLUG – The Lending Gateway

PLUG is a state-of-the-art risk engine built using multiple modular AI-enabled solutions that enable lenders to make the right credit decisions in real-time

  • 1Seamless integration with any LOS
  • 2Pay Per Use solutions

Performs a suite of checks that includes identity verification, bank statement analysis, income identification, fraud checks, and eligibility calculations, all offered through a single API.

Offers a simple dashboard for lenders to set their own product and credit parameters to underwrite applications. Lenders can now leverage PLUG to build innovative digital products without worrying about capex and time to market.

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Digital CAM

Digital Credit Assessment Memo (CAM) brings together the combined power of TERA PLUG to completely automate the Credit decision making process. It makes life easy for Credit functions by eliminating the traditional “Maker” process and assisting straight through processing for clean applications.

TERA PLUG – Modular APIs enabling Digital Delivery

TERA PLUG
Modular APIs enabling
Digital Delivery

Cashflow Analyzer
Bank Statement Analyzer
  • AI enabled Income Identification
  • Cash flow Analysis
Fraud Solutions
Fraud Solutions
  • Eliminate bank statement frauds
  • Flag suspicious applications
ID Verification
ID Verification
  • Data extraction and Validation
  • Face Match, Liveness Checks
Decision AI
Credit Bureau Analyzer
  • EMI estimation from Bureau data
  • Credit Bureau insights
Risk Score
Risk Management
  • Score based lending
  • Customized Rule Engine
API Services
Automated Credit Decisioning
  • Automated FOIR/DTI calculator
  • Digital Credit Memo
Digital CPV
Address Verification
  • Digital verification of residence
  • Residence Confidence Score
Employment Verification
Employment Verification
  • Digital verification of workplace
  • Employment Confidence Score
Cashflow Analyzer
Bank Statement Analyzer
  • AI enabled Income Identification
  • Cash flow Analysis
Fraud Solutions
Fraud Solutions
  • Eliminate bank statement frauds
  • Flag suspicious applications
ID Verification
ID Verification
  • Data extraction and Validation
  • Face Match, Liveness Checks
Decision AI
Credit Bureau Analyzer
  • EMI estimation from Bureau data
  • Credit Bureau insights
Risk Score
Risk Management
  • Score based lending
  • Customized Rule Engine
API Services
Automated Credit Decisioning
  • Automated FOIR/DTI calculator
  • Digital Credit Memo
Digital CPV
Address Verification
  • Digital verification of residence
  • Residence Confidence Score
Employment Verification
Employment Verification
  • Digital verification of workplace
  • Employment Confidence Score

TERA Mobile

Solutions crafted in line with the changing Digital landscape and considering use cases that solve for market inefficiencies.

  • 1
    Mobile Lending App Solutions to launch App based Credit offering instantly
  • 2
    Sales App Simplify customer acquisition, enable instant lead qualification, and increase sales productivity for Banks, FIs and Financial services distributors
  • 3
    Collections App Improve collections efficiency through predictive analytics, customized resolution strategies, and enhanced tracking
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The Digital delivery environment

digitaldelivery
Convert all physical documents into data, verify authenticity at source, use the data to validate customer credentials
Realtime integration with all data sources to get a complete view of the customer
ML based data extraction from financial documents, eliminate fraud, identify income, estimate obligations, and analyse cash flows
Realtime assessment of customers affordability, applying credit rules, digital verification of address and employment.
Ability to approve loans in real-time, complete repayment set-up process and transfer funds to customers bank account