Reimagine consumer lending. Faster, smarter, borrower-centric.
Empowering financial institutions to effortlessly onboard customers, and accelerate loan disbursements with tailored risk assessment and fraud prevention.
Deliver customer-first unparalleled lending experience.
The lending solution designed for diverse borrower needs.
Improve customer conversions, onboard faster
Delight borrowers with a sleek, white-labeled application journey designed for frustration-free engagement and conversions.
Empower your team and channel partners to guide borrowers through complex processes, seamlessly.
Build trust with borrowers through real-time status updates and personalized communication with full transparency.
Make smarter, data-driven decisions.
360° borrower view with seamless credit bureau, account aggregator, government registries and tax returns/bank statement data.
Tailor your credit scoring model to your unique risk appetite and lending policies.
Multi-layered protection against fraudulent applications with identity, address, and watchlist screening.
Reduce manual effort.
Let our AI engine manage fraud in real time and cut down on manual review.
Define, automate, and ensure compliance for unique borrower scenarios with ease
Automate compliance reminders so you can focus on what you do best – growing your business.
With Refo, leading Financial Institutions have experienced...
Faster
Increase
Reduction
Reduction
Hear what our customers say.
We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC
Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.
In partnerships, you need a composable experience for each partner due to heterogeneous systems in the industry. Refo lets you design custom flows for each partner using the flow builder in their product.
We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC
Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.
Refo has an advanced decisioning platform that gives control directly to the risk teams, cutting down on policy change TAT by at least 70%. It is one of the most nimble decisioning engines with built in workflow available in the industry today.
We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC
Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.
In partnerships, you need a composable experience for each partner due to heterogeneous systems in the industry. Refo lets you design custom flows for each partner using the flow builder in their product.
We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC
Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.
Refo has an advanced decisioning platform that gives control directly to the risk teams, cutting down on policy change TAT by at least 70%. It is one of the most nimble decisioning engines with built in workflow available in the industry today.
We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC
Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.
In partnerships, you need a composable experience for each partner due to heterogeneous systems in the industry. Refo lets you design custom flows for each partner using the flow builder in their product.
Refo has an advanced decisioning platform that gives control directly to the risk teams, cutting down on policy change TAT by at least 70%. It is one of the most nimble decisioning engines with built in workflow available in the industry today.
Frequently asked questions.
Absolutely! Refo's platform is designed to automate the entire consumer lending journey, from application to disbursement. This streamlines your operations, reduces manual effort, and accelerates loan approvals.
Yes, we do! Our platform offers robust backend capabilities for your operations team to intervene and assist borrowers who encounter any difficulties during the application process. This ensures a smooth and efficient customer experience.
Refo offers flexible onboarding options to cater to your specific needs. Our platform integrates with various acquisition channels, including:
- Mobile and laptop-optimized white-labeled journeys: Provide a seamless and branded experience for your customers.
- API-led acquisition: Integrate our API stack for quick and easy onboarding across various channels, including Embedded Credit and Open Finance platforms.
- Assisted onboarding: Empower your local sales team or DSA partners to guide customers through the process, ensuring a personalized touch.
Yes! Our platform allows you to define and manage exceptions within your lending policies, ensuring that you can handle unique borrower situations effectively while maintaining compliance.
We are connected to all prominent credit bureaus, ensuring that you have access to comprehensive credit information for informed decision-making.
Yes, we offer both soft pull and hard pull options for credit bureau reports, allowing you to balance customer experience with the depth of information needed for your risk assessment.
Refo's platform is equipped with robust fraud detection capabilities. We can perform identity,address and income verification, as well as check borrower information against watch lists published by various agencies. This helps protect your lending operations and mitigate fraud risks.
Additional features:
- Banking Data (Account Aggregator) Integration: Seamlessly access and analyze borrowers' financial data with their consent, enriching your credit assessment process.
- Data from ITR and Bank Statements: Extract relevant information from ITR documents and bank statements to gain a holistic view of the borrower's financial health.
- Customizable Scorecards: Tailor your credit risk assessment criteria with flexible scorecards that align with your unique lending policies.
Refo's consumer lending solution empowers you to streamline your operations, reduce risk, and deliver a superior customer experience.
Consumer lending, powerfully simplified.
Ready to see Refo in action?