# CloudBankin

> CloudBankin is a cloud-based digital lending platform from LightFi India Private Limited, providing a Loan Origination System (LOS), Loan Management System (LMS), Credit Decisioning Engine, advanced reporting, and daily CIBIL credit bureau reporting for banks, NBFCs, and fintechs. The platform supports the end-to-end lending lifecycle, including digital application, KYC, underwriting, disbursement, loan servicing, and collections. It also provides AI-powered solutions for credit underwriting, fraud detection, risk monitoring, document processing, repayment prediction, collections, and customer engagement.

## Products

- [CloudBankin Digital Lending Software](https://cloudbankin.com/lending-software/): End-to-end digital lending platform to originate, manage, and automate the full loan lifecycle for banks, NBFCs, and fintechs.

## Solutions

- [Loan Origination System](https://cloudbankin.com/loan-origination-system/): Software that manages and automates the end-to-end loan origination process, including loan application, data collection, document verification, credit assessment, underwriting, approval, and disbursement.
- [Loan Management System](https://cloudbankin.com/loan-management-system/): Automates and secures post-disbursal loan servicing, repayments, and lifecycle management with customizable workflows.
- [NBFC Software](https://cloudbankin.com/nbfc-software/): Manages the complete NBFC lending lifecycle, onboarding, underwriting, approvals, disbursement, repayment, and analytics.
- [Credit Decision Engine Software](https://cloudbankin.com/credit-rule-engine-as-a-service/): Configurable, rule-based engine that automates credit assessment and loan underwriting using predefined business and credit rules.
- [CKYC Software Solution](https://cloudbankin.com/ckyc-software-solution/): Software that integrates with the CKYC Registry (CKYCR) to automate CKYC record search, upload, download, and update, supporting customer onboarding and KYC verification.
- [Co-Lending Software](https://cloudbankin.com/co-lending-software/): Enables lenders to partner with co-lenders, share exposure, and expand their lending portfolios.
- [Buy Now Pay Later Software](https://cloudbankin.com/buy-now-pay-later-software/): Software that enables lenders and merchants to offer customers short-term financing through installment-based and deferred payment options.
- [Credit Bureau - Real Time](https://cloudbankin.com/cbrealtime-revolutionizing-credit-bureau-daily-reporting/): Automates daily credit bureau reporting for CIBIL, Equifax, Experian and CRIF High Mark, including credit data processing, data submission, and compliance.

## AI Agents

- [Credit Underwriting Agent](https://cloudbankin.com/ai-credit-underwriting-agent/): AI agent for faster loan approvals and more accurate, inclusive credit risk assessment.
- [Fraud Detection Agent](https://cloudbankin.com/fraud-detection-agent/): Detects fraud in real time with alerts and analytics to protect lending operations from financial crime.
- [Loan Application Virtual Assistant](https://cloudbankin.com/loan-application-virtual-assistant/): Conversational AI that guides and automates the borrower's loan application journey.
- [Risk Monitoring Agent](https://cloudbankin.com/risk-monitoring-agent/): Proactively detects and mitigates credit, fraud, and market risks across the portfolio.
- [Document Intelligence Agent](https://cloudbankin.com/document-intelligence-agent/): Automates extraction and validation of data from financial documents for accuracy and compliance.
- [Repayment Prediction Agent](https://cloudbankin.com/repayment-prediction-agent/): Uses predictive analytics to forecast borrower repayment behaviour and reduce non-performing assets (NPAs).
- [Credit Policy Agent](https://cloudbankin.com/credit-policy-agent/): Automates credit rule and policy management and optimizes lending strategy with real-time data insights.
- [Collection Bot Agent](https://cloudbankin.com/collection-bot-agent/): Automates borrower communication and collections workflows to improve debt recovery rates.
- [Cross Sell & Upsell Agent](https://cloudbankin.com/cross-sell-upsell-agent/): Delivers personalized product offers using real-time data to grow revenue per customer.

## Resources

- [Help Portal](https://wiki.cloudbankin.com/): Product documentation, setup instructions, and how-to guides for CloudBankin users.
- [Blog](https://cloudbankin.com/blog/): Articles covering digital lending, credit, fintech, and lending technology.
- [Past Webinars](https://cloudbankin.com/event/): Recorded sessions covering digital lending, fintech, banking, and lending technology.

## Company

- [About Us](https://cloudbankin.com/about-us/): CloudBankin is a digital lending platform by LightFi India Private Limited, focused on helping financial institutions modernize and automate lending operations. The company provides configurable, cloud-based technology designed to support diverse lending models and workflows.
- [Contact Us](https://cloudbankin.com/contact-us/): Get in touch with the CloudBankin team.
- [Book a Demo](https://cloudbankin.com/book-a-demo/): Request a personalized product demonstration.

## Optional

- [News](https://cloudbankin.com/news/): Company announcements and lending-industry updates.
- [Careers](https://cloudbankin.com/careers/): Open roles at CloudBankin.