Our Story IDADMIN March 10, 2023

Bridging the accessibility gap for the credit darks

OUR STORY
Our Vision

Datacultr’s vision is to enable convenient financing opportunities for consumers, entrepreneurs and small merchants, helping them combat the Socioeconomic problems this segment faces from restricted access to financing.

Key Partners

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Our Story

Datacultr is a global Digital Operating System for risk management and debt collections, it drives collection efficiencies and reduces delinquencies and Non-Performing Loans (NPLs). Datacultr is a digital-only provider of consumer engagement, recovery and collection solutions, helping consumer lending, retail, telecom, and Fintech organizations since 2019.

World over unbanked and underbanked people remain excluded from the fold of formal credit because of various reasons, the primary being lack of credit scores & collaterals. This happens because the majority of this population is not in the organized sector, a minuscule of them pay taxes & it’s impossible to get their business & income data. In such a scenario, a  very small population has access to formal credit. Since financial institutions are unable to assess risk they are unable to cater to this segment.

Globally around 33% adult population is covered by credit bureaus, another 5% have a digital footprint that’s credible and can be used for building a risk profile, and the balance 62% are ‘Credit Dark’ who lack any digital footprint, or financial know-how Datacultr’s platform makes the underserved and unbanked segment viable, for providers of Buy Now Pay Later, Micro-Loans, Nano-Loans, and other unsecured loans.

Datacultr is also helping millions of new-to-credit consumers across emerging markets access formal credit and begin their journey toward financial health.

Our Mission

  • The ‘new to credit’ has always posed a big challenge to financial institutions, the high risk of delinquencies has traditionally kept loan approval rates to this segment low.
  • The pent-up demand, however, calls for an innovative way to address this market, providing financing to ‘new to credit’ and ‘new to bank’, to purchase new smartphones, is one such way to open up this opportunity.
  • Datacultr’s mission is to drive inclusion amongst billions of unbanked and underbanked populations across the world by building efficient solutions and an ecosystem with relevant partners that help in an effective business model for our clients to grow

Investors

Sturgeon Capital
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Village capital (860284)
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Meet our Co - founders

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Neel Juriasingani
(Co - Founder & CEO)
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Sujoy Ghosh
(Co - Founder & CTO)
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Customer Success manager
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Technical Manager
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Product Manager
WHAT WE OFFER SERVICES
Amazing performance
Professional liability
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Outstanding services
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Dedicated to our clients
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Contact us to discover how our risk management and digital debt collection solutions can help you grow your business

Global Award-Winning Platform