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Instead of stitching together five or six disconnected tools - a LOS, an underwriting tool, credit admin, an LMS, and a collections system - CARMA Core replaces the entire fragmented stack with a single platform built for banks, NBFCs, and MSME lenders writing business credit in India."},{question:"How does CARMA Core achieve 8x faster loan disbursement?",answer:"In a live growth-stage NBFC deployment, CARMA Core replaced a fragmented LOS-LMS stack and delivered 8x faster disbursement end to end, with the same team and same volume - zero added headcount. This comes from: (1) Auto-CAM generating a committee-ready credit memo in under 10 minutes instead of days; (2) instant bureau, GST, CKYC, NSDL, and Account Aggregator data pulls; (3) an AI CAD Agent validating documents in seconds; (4) H2H banking integration enabling fund transfer in under 2 minutes once conditions are met. The result is a 100% digital process from sanction to disbursement."},{question:"What is Auto-CAM and how does it generate a credit memo in under 10 minutes?",answer:"Auto-CAM is CARMA Core's automated Credit Appraisal Memo engine. It reads financial statements, GST returns, bank statements, and bureau data simultaneously, cross-references them for consistency, and assembles a committee-ready credit memo - normally a 2-3 day manual task - in under 10 minutes. It is multi-signal aware, flagging contradictions between what GST filings, bank inflows, and bureau records say about a borrower, and outputs confidence-rated recommendations rather than a black-box score."},{question:"How does the GST Analysis module work?",answer:"CARMA Core's GST Analysis module turns raw GST data into a live financial statement with 2,200+ automated checks. It analyzes sales trends and growth patterns, buyer-seller concentration and related-party relationships, GSTR filing and reconciliation behavior, HSN-based industry benchmarking, and working capital cycles - producing a GST behaviour score that often surfaces risks a bureau score or ITR alone would miss."},{question:"How does automated bank statement analysis work?",answer:"CARMA Core parses PDF bank statements from 77+ Indian bank channels to extract monthly cash flows, income quality, EMI burden, bounce rates, vendor/customer concentration, and stress indicators in seconds. It also cross-maps GST turnover and bureau exposure against actual bank inflows, so any mismatch between declared revenue and real cash movement is flagged automatically before it reaches an underwriter."},{question:"What is the Early Warning System (EWS) and how does it prevent NPAs?",answer:"CARMA Core's EWS continuously re-reads the portfolio - not just at origination - tracking missed GST filings, bureau score drift, bounced payments, covenant breaches, and MIS submissions to distinguish structural stress from temporary stress. When a threshold is breached, CARMA Core can automatically flag the account, block limit enhancements, pause disbursals, or route it to collections - turning your credit policy into an always-on decision engine rather than a quarterly review exercise."},{question:"What Supply Chain Finance (SCF) program structures does CARMA Core support?",answer:"CARMA Core's LMS supports the SCF structures used across Indian anchor programs: dealer financing (stock/inventory funding backed by an anchor), vendor financing (early payment against anchor-approved invoices), invoice discounting and reverse factoring, and multi-tier channel finance for distributors and retailers. Program terms - Paying Party Split, Flexi Tenure, Interest Split, lock-in/prepayment handling, and Max Benefit early-repayment pricing - are all configurable without code, and multiple anchor programs can run in parallel with independent limits."},{question:"How does CARMA Core verify invoices and prevent SCF fraud?",answer:"During disbur
16sal, CARMA Core runs invoice authenticity checks through the GST portal, matches HSN codes against the borrower's declared business activity, cross-checks e-way bills for proof of goods movement, screens for duplicate financing of the same invoice, and flags over-invoicing against historical patterns and related-party transactions between borrower and anchor. Genuine invoices clear all checks and disburse in under 2 minutes."},{question:"How do virtual account-based repayments work?",answer:"Every borrower in a CARMA Core lending or SCF program gets a unique Virtual Account (VA) linked to their loan. When a payment lands in that VA - from the anchor or the borrower directly - CARMA Core identifies the source, matches it to the right loan, applies principal and interest correctly, and updates the ledger in real time. This removes manual allocation entirely and eliminates misallocation errors."},{question:"How does automated bank reconciliation work?",answer:"FinOps teams can reconcile daily just by uploading a bank statement; if the bank is integrated via H2H or AI-based feeds, even that step is unnecessary. CARMA Core runs a full two-way match - platform to bank (confirming disbursals hit the right accounts) and bank to platform (matching every incoming payment to a loan) - so nothing is missed, duplicated, or mismapped. Combined with ERPNext integration, this brings most clients to T+1 accounting and month-end closing by the 3rd working day instead of the 10th-15th."},{question:"How does multi-level limit management work?",answer:"CARMA Core tracks exposure at three levels simultaneously - borrower, anchor, and program - and validates every disbursal against all three in real time. Multiple programs can run in parallel with independent limit hierarchies, and the system automatically runs related-party checks between borrower and anchor to catch circular or connected-party exposure before it becomes a compliance issue."},{question:"Can CARMA Core sit alongside our existing core banking system, or do we have to replace it?",answer:"Both - your choice. As a full-stack deployment, CARMA Core replaces the fragmented LOS/underwriting/LMS/collections stack entirely, white-labelled and RBI IRAC-aligned. Or you can plug in just the AI-enabled modules you need - Auto-CAM, EWS, GST Analysis, Bank Statement Analysis, the Business Rule Engine, or Financial Statement Analysis - as standalone, pay-per-use APIs that sit alongside your existing CBS without requiring any replacement."},{question:"What's the difference between the full-stack platform and the modular AI add-ons?",answer:"The full-stack deployment gives you the complete LOS-with-Auto-Underwriting platform plus the SCF-purpose-built LMS - application journeys, credit policy engine, anchor portals, servicing, and collections in one connected system, deployed in 4-6 weeks. The modular route lets you keep your current LOS/LMS and add just the AI layer - Auto-CAM, EWS, GST/Bank Statement/Financial Statement Analysis, or the Business Rule Engine - via API, with no migration required. Most clients start modular and expand to full-stack as trust builds."},{question:"What compliance and security standards does CARMA Core meet?",answer:"CARMA Core is SOC 2 Type II certified, ISO 27001 compliant, encrypts data with 256-bit AES, and is aligned to RBI IRAC norms for asset classification and provisioning. It maintains a complete audit trail for every action, comment, and approval, enforces the RBI Fair Practices Code in borrower communication, supports configurable DOP (Delegation of Powers) approval matrices, and generates regulatory reporting formats for RBI, NHB, and other regulators - keeping you inspection-ready at all times."},{question:"How quickly can we implement CARMA Core?",answer:"Standard deployment is 4-6 weeks. Discovery and program design (1-2 weeks) configures your lending products, credit policy, and workflows; the integration phase (2-3 weeks) connects bureau, GST, banking, Account Aggregator, and ERPNext; and go-live (1-2 weeks) onboards borrowers and progressively switches on Auto-CAM, EWS, and Smart Collections. Most clients go live with core LOS/LMS functionality first and layer in AI modules as usage scales."},{question:"How does CARMA Core compare to Lentra, Nucleus FinnOne Neo, Synoriq SynoFin and Pennant?",answer:"Most established Indian lending platforms were designed around a single stage of the lifecycle and then extended out
16ward: Nucleus FinnOne Neo and Pennant come from a core loan-servicing lineage, Lentra leads with origination and decisioning, and Synoriq SynoFin bundles LOS, LMS and collections on one code base. CARMA Core is built the other way round - as one credit operations layer above your existing CBS, so origination, underwriting, disbursement, servicing, supply chain finance, reconciliation and Early Warning Signals share a single data model instead of syncing between modules. Practically, that shows up in three places: a 4-6 week deployment rather than a multi-quarter core replacement, no-code configuration of new lending products (WCDL sweep logic, Term Loan EMI/PEMI, SCF anchor programs) instead of vendor development cycles, and India-first integrations - 2,200+ automated GST checks, 77+ bank statement channels, CKYC, NSDL, Account Aggregator and H2H banking rails - shipped as standard rather than as a custom build. Ask any shortlisted vendor for their live disbursement TAT, their credit-memo generation time, and who writes the code when you launch a new product; those three answers separate the categories quickly."},{question:"Should we buy a separate LOS and LMS, or one unified platform?",answer:"Separate best-of-breed systems make sense when your origination and servicing teams have genuinely different regulators, data models and release cycles - which is rare in Indian business lending. The hidden cost of splitting them is reconciliation: every sanction has to be re-keyed or synced into servicing, limit and exposure data drifts between systems, and nobody owns the borrower record end to end. In a live growth-stage NBFC deployment, replacing a fragmented LOS-LMS stack with CARMA Core delivered 8x faster disbursement with the same team and same volume and zero added headcount, largely because the handoff disappeared rather than because any single step got faster. If you already run a strong LOS you do not have to rip it out - CARMA Core can plug in only the AI modules you need (Auto-CAM, GST Analysis, Bank Statement Analysis, EWS) and leave origination where it is."},{question:"Does CARMA Core replace our core banking system (CBS)?",answer:"No. CARMA Core deliberately sits above the CBS rather than replacing it. Your CBS remains the book of record for accounting and regulatory reporting; CARMA Core owns the credit workflow - acquisition, underwriting, documentation, disbursement, servicing, monitoring and collections - and writes back to the CBS through H2H and API integration. This is why deployment is measured in weeks rather than the multi-year timelines associated with core replacement, and why it can run alongside Finacle, FinnOne, or an in-house core without a migration project."}],ee=()=>{const[i,w]=j.useState(null),{openContact:c,openMeeting:d}=S(),v=[{value:"â¹2,000Cr+",label:"AUM Managed",color:"text-blue-600"},{value:"4,000+",label:"Live Borrowers",color:"text-green-600"},{value:"< 1.5%",label:"GNPA at Scale",color:"text-purple-600"},{value:"4-6 wks",label:"Standard Deployment",color:"text-orange-600"}],C=[{phase:"1",title:"Acquisition & Prescreen",description:"Prescreen Engine filters leads, enriches GST and bureau data, and routes only qualified opportunities to underwriting",icon:p},{phase:"2",title:"Underwriting & Auto-CAM",description:"Auto-CAM reads financials, GST, bank statements and bureau data together to generate a credit memo in under 10 minutes",icon:D},{phase:"3",title:"Documentation & Compliance",description:"AI CAD Agent validates KYC, financials and property papers instantly, with configurable DOP matrices and full audit trail",icon:o},{phase:"4",title:"Disbursement & SCF",description:"H2H banking and GST-verified invoice financing enable disbursals - term loans or SCF drawdowns - in under 2 minutes",icon:f},{phase:"5",title:"Repayment & Reconciliation",description:"Virtual account repayments auto-allocate to the right loan; two-way bank reconciliation keeps books accurate on T+1",icon:y},{phase:"6",title:"Monitoring & EWS",description:"Early Warning Signals, covenant tracking and Smart Collections keep the portfolio under continuous, automated watch",icon:u}],A=[{title:"LOS with Auto Underwriting",icon:p,description:"White-labelled application journeys with automated credit assessment for business loans",features:["White-labelled application journeys for business loans - web, mobile, anch
16or-embedded","Auto underwriting engine with credit memo in under 10 minutes","Configurable maker-checker, credit policy and approval rules","Purpose-built for MSME, SME and mid-market business credit - not retail or consumer loans"]},{title:"LMS Purposefully Built for SCF",icon:W,description:"Anchor-led supply chain finance servicing for vendor, customer and distributor programs",features:["Anchor-led vendor financing - disbursal at invoice acceptance","Customer and distributor financing with per-anchor limit tracking","Dynamic discounting, reverse factoring and approved-payable","Anchor portal - live view of all vendors and customers","Multi-tenor servicing: bullet, EMI, on-demand drawdown"]}],N=[{icon:o,title:"Auto CAM",description:"Reads financials, GST, and bank data together to produce a committee-ready credit memo in under 10 minutes."},{icon:x,title:"Early Warning Signals",description:"Continuous portfolio re-reads flag structural vs. temporary stress before it becomes an NPA."},{icon:F,title:"Business Rule Engine (BRE)",description:"6-dimension borrower rating with industry-aware weighting, tuned for tickets from Rs 5 Cr to Rs 5,000 Cr."},{icon:B,title:"Bank Statement Analysis",description:"Parses 77+ bank channels for cash flow, EMI burden and bounce patterns, mapped against GST and bureau data."},{icon:g,title:"GST Analysis",description:"2,200+ automated checks covering counterparty concentration, compliance score, related party relationships, and GST behaviour score."},{icon:P,title:"Financial Statement Analysis",description:"Auto-spreads balance sheet, P&L and ratios with DSCR and industry benchmarking."}];return e.jsxs("div",{className:"min-h-screen bg-white",children:[e.jsx(k,{title:"CARMA Core â Unified LOS, LMS & SCF Platform | CarmaOne",description:"One credit operations layer above your CBS: LOS, LMS, supply chain finance, Auto-CAM underwriting and Early Warning Signals. Live in 4-6 weeks.",keywords:"CARMA Core, credit operations platform India, unified LOS LMS platform, best loan origination system India 2026, LOS LMS supply chain finance, NBFC lending software India, AI underwriting software, auto CAM credit memo, early warning system NPA India, business rule engine credit scoring, GST invoice verification, virtual account repayment system, automated bank reconciliation, T+1 accounting ERPNext lending, digital lending platform India, credit decisioning engine, loan lifecycle management, MSME loan LOS, SME lending platform, working capital loan software, supply chain finance LMS India, dealer financing software, vendor financing platform, channel finance solution India, invoice discounting platform India, RBI IRAC compliant lending software, core banking system overlay credit, bank NBFC fintech lending platform, credit TAT reduction, account aggregator integration, AI document processing lending, business lending software India, finezza alternative, cloudbankin alternative, veefin alternative, credacc alternative, TReDS alternative",url:"https://www.carmaone.ai/carma-core",schema:[{"@context":"https://schema.org","@type":"SoftwareApplication",name:"CarmaOne CARMA Core - Credit Operations Platform",applicationCategory:"BusinessApplication",operatingSystem:"Web, Cloud",datePublished:"2026-01-01",dateModified:"2026-01-16",description:"CARMA Core is CarmaOne's unified credit operations layer combining Loan Origination (LOS), Loan Management (LMS), Supply Chain Finance, automated reconciliation, AI-powered underwriting (Auto-CAM), and Early Warning Signals for banks, NBFCs and MSME lenders, achieving 8x faster disbursement and credit memos in under 10 minutes.",featureList:["Unified LOS + LMS + Supply Chain Finance Platform","Auto-CAM Credit Memo in Under 10 Minutes","8x Faster Loan Disbursement","2,200+ Automated GST Checks","GST + HSN + E-way Bill Invoice Verification","Virtual Account Repayments","Automated Two-Way Bank Reconciliation","Early Warning Signals & Covenant Monitoring","T+1 Accounting with ERPNext","Modular AI APIs or Full-Stack Deployment"]},{"@context":"https://schema.org","@type":"Organization",name:"CarmaOne",alternateName:"STRIDE FINTREE PRIVATE LIMITED",url:"https://www.carmaone.ai",logo:"https://www.carmaone.ai/carma_logo.png",description:"CarmaOne provides India's leading unified credit operations platform - CARMA Core - comb
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Unified LOS, LMS & Supply Chain Finance Platform",description:"Watch how CarmaOne CARMA Core unifies loan origination, loan management, and supply chain finance with 8x faster disbursement, Auto-CAM underwriting, and Early Warning Signals.",thumbnailUrl:"https://www.carmaone.ai/carma_logo.png",uploadDate:"2026-01-01",contentUrl:"https://strideone.in/videos/los_en2.mp4",embedUrl:"https://strideone.in/videos/los_en2.mp4",publisher:{"@type":"Organization",name:"CarmaOne",logo:{"@type":"ImageObject",url:"https://www.carmaone.ai/carma_logo.png"}}}]}),e.jsx(M,{}),e.jsxs("main",{id:"main-content",role:"main",children:[e.jsx("section",{className:"pt-32 pb-16 px-4",children:e.jsxs("div",{className:"container mx-auto max-w-7xl",children:[e.jsxs("div",{className:"text-center max-w-4xl mx-auto mb-16",children:[e.jsxs("div",{className:"flex flex-wrap items-center justify-center gap-3 mb-6",children:[e.jsxs("span",{className:"inline-flex items-center gap-2 px-3 py-1 rounded-full bg-accent/10 border border-accent/20 group cursor-default",children:[e.jsx("span",{className:"flex h-2 w-2 rounded-full bg-accent animate-pulse"}),e.jsx("span",{className:"text-xs font-semibold tracking-wide uppercase text-accent",children:"CARMA Core · Business credit infrastructure"})]}),e.jsx("span",{className:"text-sm italic font-medium text-foreground/80 px-3 py-1 rounded-full bg-gray-50 border border-border",children:"The lending stack built for business credit."})]}),e.jsxs("h1",{className:"text-5xl md:text-6xl font-bold text-foreground mb-6 leading-tight",children:["One Platform for the Full"," ",e.jsx("span",{className:"text-accent",children:"Business Lending Lifecycle"})]}),e.jsxs("p",{className:"text-xl text-muted-foreground mb-12 leading-relaxed",children:["CARMA Core unifies Loan Origination, Loan Management, Supply Chain Finance, reconciliation, AI-powered underwriting, and Early Warning Signals into one connected layer above your core banking system."," ",e.jsx("strong",{className:"text-foreground",children:"8x faster disbursement, credit memos in under 10 minutes, GNPA held under 1.5%."})]}),e.jsxs("div",{className:"flex flex-col sm:flex-row gap-4 justify-center items-center",children:[e.jsxs(a,{size:"lg",className:"bg-accent hover:bg-accent/90 text-white px-8 py-6 text-lg",onClick:d,children:[e.jsx(o,{className:"w-5 h-5 mr-2"}),"Book a Demo"]}),e.jsx(a,{size:"lg",variant:"outline",className:"px-8 py-6 text-lg border-2 border-accent text-accent hover:bg-accent hover:text-white",onClick:c,children:"Get Pricing"})]})]}),e.jsx("div",{className:"grid grid-cols-2 md:grid-cols-4 gap-6 max-w-5xl mx-auto",children:v.map((t,n)=>e.jsxs("div",{className:"bg-white p-6 rounded-2xl border border-border shadow-sm hover:shadow-lg transition-all",children:[e.jsx("div",{className:`text-4xl font-bold ${t.color} mb-2`,children:t.value}),e.jsx("div",{className:"text-sm text-muted-foreground",children:t.label})]},n))}),e.jsx("div",{className:"mt-20 max-w-6xl mx-auto",id:"video-section",children:e.jsxs("div",{className:"relative rounded-3xl overflow-hidden bg-gradient-to-br from-[#001a33] via-[#002244] to-[#001a33]",children:[e.jsx("div",{className:"absolute inset-0 opacity-10 pointer-events-none",children:e.jsx("div",{className:"absolute inset-0 bg-[radial-gradient(circle_at_15%_20%,rgba(14,165,233,0.2),transparent_60%)]"})}),e.jsxs("div",{className:"relative z-10 grid md:grid-cols-2 gap-10 items-center p-8 md:p-14",children:[e.jsxs("div",{children:[e.jsxs("div",{className:"flex items-start gap-5 mb-6",children:[e.jsx("div",{className:"text-6xl md:text-7xl font-bold text-accent leading-none tracking-tight",children:"8x"}),e.jsxs("p",{className:"text-white/80 text-sm leading-relaxed pt-2",children:[e.jsx("strong",{className:"text-white",children:"Faster loan disbursement"}
16)," ","in a live NBFC deployment â same team, same volume, zero added headcount."]})]}),e.jsxs("h3",{className:"text-white font-bold text-2xl md:text-3xl mb-3 leading-tight",children:["Two flagship platforms."," ",e.jsx("span",{className:"text-accent italic",children:"Battle-tested at scale."})]}),e.jsx("p",{className:"text-white/60 text-sm leading-relaxed",children:"Each platform â LOS with Auto Underwriting, and LMS built for Supply Chain Finance â stands alone. Together on CARMA Core, full coverage."})]}),e.jsx("div",{className:"relative group",children:e.jsx("div",{className:"relative pt-[56.25%] bg-black rounded-2xl overflow-hidden border border-white/10 shadow-2xl",children:e.jsx("video",{className:"absolute top-0 left-0 w-full h-full",src:"https://strideone.in/videos/los_en2.mp4",controls:!0,preload:"auto",playsInline:!0,title:"CARMA Core Demo - Unified LOS, LMS & Supply Chain Finance Platform","aria-label":"Watch CARMA Core demo video showing unified LOS, LMS and Supply Chain Finance with 8x faster disbursement",children:"Your browser does not support the video tag."})})})]})]})})]})}),e.jsx("section",{className:"py-10 px-4 bg-[#1B3F65] text-white text-center",children:e.jsxs("div",{className:"container mx-auto max-w-3xl",children:[e.jsxs("h2",{className:"text-2xl md:text-3xl font-bold mb-2 leading-snug",children:["Most lenders run on"," ",e.jsx("span",{className:"text-accent italic",children:"disconnected systems."})]}),e.jsx("p",{className:"text-white/70 text-base md:text-lg",children:"Data doesn't flow. Teams work manually. Loan disbursement takes multiple days. There is a better way."})]})}),e.jsx("section",{className:"py-24 bg-gradient-to-br from-gray-900 to-gray-800 text-white",children:e.jsxs("div",{className:"container mx-auto max-w-7xl px-4",children:[e.jsxs("div",{className:"text-center mb-16",children:[e.jsx("h2",{className:"text-4xl font-bold mb-4",children:"One Connected Layer. Not Five Disconnected Tools."}),e.jsx("p",{className:"text-xl text-white/80 max-w-3xl mx-auto",children:"Fragmented stacks force weeks between credit decision and disbursement. 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One Platform."}),e.jsx("p",{className:"text-xl text-muted-foreground max-w-2xl mx-auto",children:"Take the full stack end to end, or plug in only the AI modules you need - your existing CBS stays in place either way."})]}),e.jsxs("div",{className:"grid md:grid-cols-2 gap-8 max-w-5xl mx-auto",children:[e.jsxs("div",{className:"bg-white p-8 rounded-2xl border-2 border-accent/20 hover:border-accent transition-all",children:[e.jsx("span",{className:"inline-block text-xs font-bold tracking-wider uppercase text-accent bg-accent/10 px-3 py-1 rounded-full mb-4",children:"Full-Stack Deployment"}),e.jsx("h3",{className:"text-2xl font-bold text-foreground mb-4",children:"The complete business lending platform, end to end"}),e.jsx("ul",{className:"space-y-3 mb-6",children:["LOS for MSME, SME and mid-market business loans","Supply chain finance platform with anchor portals","AI-enabled underwriting, credit admin and collections built in","White-labelled, RBI IRAC compliant, 4-6 week deploy"].map((t,n)=>e.jsxs("li",{className:"flex items-start gap-3 text-muted-foreground",children:[e.jsx(l,{className:"w-5 h-5 text-accent flex-shrink-0"}),t]},n))}),e.jsxs("div",{className:"pt-4 border-t border-border flex items-center justify-between gap-2",children:[e.jsx("span",{className:"text-sm font-semibold text-accent",children:"2 flagship platforms"}),e.jsxs("a",{href:"#platforms",className:"text-sm font-semibold text-accent inline-flex items-center gap-1 hover:underline",children:["See platforms ",e.jsx("span",{"aria-hidden":"true",children:"â"})]})]})]}),e.jsxs("div",{className:"bg-white p-8 rounded-2xl border-2 border-accent/20 hover:border-accent transition-all",children:[e.jsx("span",{className:"inline-block text-xs font-bold tracking-wider up
16percase text-accent bg-accent/10 px-3 py-1 rounded-full mb-4",children:"Modular AI Add-On"}),e.jsx("h3",{className:"text-2xl font-bold text-foreground mb-4",children:"Plug in just the AI-enabled modules you need"}),e.jsx("ul",{className:"space-y-3 mb-6",children:["6+ standalone modules - each a plug-and-play API","Sits alongside your existing core banking system","No replacement required - modular and pay-per-use"].map((t,n)=>e.jsxs("li",{className:"flex items-start gap-3 text-muted-foreground",children:[e.jsx(l,{className:"w-5 h-5 text-accent flex-shrink-0"}),t]},n))}),e.jsxs("div",{className:"pt-4 border-t border-border flex items-center justify-between gap-2",children:[e.jsx("span",{className:"text-sm font-semibold text-accent",children:"6+ AI-enabled modules"}),e.jsxs("a",{href:"#modules",className:"text-sm font-semibold text-accent inline-flex items-center gap-1 hover:underline",children:["See modules ",e.jsx("span",{"aria-hidden":"true",children:"â"})]})]})]})]})]})}),e.jsx("section",{id:"platforms",className:"py-24 bg-gradient-to-br from-gray-900 to-gray-800 text-white",children:e.jsxs("div",{className:"container mx-auto max-w-7xl px-4",children:[e.jsxs("div",{className:"text-center mb-16",children:[e.jsx("h2",{className:"text-4xl font-bold mb-4",children:"Two Flagship Platforms. Battle-Tested at Scale."}),e.jsx("p",{className:"text-xl text-white/80 max-w-3xl mx-auto",children:"Each platform stands alone. Together, full coverage."})]}),e.jsx("div",{className:"grid md:grid-cols-2 gap-8 max-w-5xl mx-auto",children:A.map((t,n)=>e.jsxs("div",{className:"bg-white/5 backdrop-blur-sm p-6 rounded-xl border border-white/10 hover:bg-white/10 transition-all",children:[e.jsx("div",{className:"w-12 h-12 bg-accent/20 rounded-xl flex items-center justify-center mb-4",children:e.jsx(t.icon,{className:"w-6 h-6 text-accent"})}),e.jsx("h3",{className:"text-lg font-bold mb-2",children:t.title}),e.jsx("p",{className:"text-sm text-white/70 mb-4",children:t.description}),e.jsx("ul",{className:"space-y-2",children:t.features.map((s,r)=>e.jsxs("li",{className:"flex items-start gap-2 text-xs text-white/60",children:[e.jsx("span",{className:"text-green-400",children:"â"}),s]},r))})]},n))}),e.jsx("div",{className:"mt-10 p-4 bg-white/5 border border-white/10 rounded-xl text-center",children:e.jsx("p",{className:"text-white/90 italic",children:"Both platforms are white-labelled, RBI IRAC-aligned, and deployable in 4-6 weeks."})})]})}),e.jsx("section",{id:"modules",className:"py-24 px-4 bg-gray-50",children:e.jsxs("div",{className:"container mx-auto max-w-7xl",children:[e.jsxs("div",{className:"text-center mb-16",children:[e.jsx("h2",{className:"text-4xl font-bold text-foreground mb-4",children:"Six AI Modules. Pick What Fits."}),e.jsx("p",{className:"text-xl text-muted-foreground max-w-2xl mx-auto",children:"Use any module standalone via API, or as a suite inside the full CARMA Core platform."})]}),e.jsx("div",{className:"grid md:grid-cols-2 lg:grid-cols-3 gap-8",children:N.map((t,n)=>e.jsxs("div",{className:"bg-white p-8 rounded-2xl border border-border hover:shadow-xl transition-all group",children:[e.jsx("div",{className:"w-14 h-14 bg-accent/10 rounded-xl flex items-center justify-center mb-6 group-hover:bg-accent group-hover:scale-110 transition-all",children:e.jsx(t.icon,{className:"w-7 h-7 text-accent group-hover:text-white transition-colors"})}),e.jsx("h3",{className:"text-xl font-bold text-foreground mb-3",children:t.title}),e.jsx("p",{className:"text-muted-foreground leading-relaxed",children:t.description})]},n))})]})}),e.jsx("section",{className:"py-24 px-4",children:e.jsxs("div",{className:"container mx-auto max-w-6xl",children:[e.jsxs("div",{className:"text-center mb-16",children:[e.jsx("h2",{className:"text-4xl font-bold text-foreground mb-4",children:"From Fragmented Stack to One Connected Layer"}),e.jsx("p",{className:"text-xl text-muted-foreground",children:"Replace disconnected origination, servicing and SCF tools with intelligent automation"})]}),e.jsxs("div",{className:"grid md:grid-cols-2 gap-8",children:[e.jsxs("div",{className:"bg-red-50 border-2 border-red-200 rounded-2xl p-8",children:[e.jsxs("div",{className:"text-lg font-bold text-red-800 mb
16-6 flex items-center gap-2",children:[e.jsx("span",{className:"text-3xl",children:"â"}),"Before: Fragmented Stack"]}),e.jsx("ul",{className:"space-y-3",children:["Weeks between credit decision and disbursement","Manual GST, bank statement and invoice verification calls","Approvals scattered over email and WhatsApp","Payment allocation done in spreadsheets","Month-end reconciliation takes 10+ days","Reactive collections after defaults"].map((t,n)=>e.jsxs("li",{className:"flex items-start gap-3 text-muted-foreground",children:[e.jsx("span",{className:"text-red-500 font-bold",children:"Ã"}),t]},n))})]}),e.jsxs("div",{className:"bg-green-50 border-2 border-green-200 rounded-2xl p-8",children:[e.jsxs("div",{className:"text-lg font-bold text-green-800 mb-6 flex items-center gap-2",children:[e.jsx("span",{className:"text-3xl",children:"â"}),"After: CARMA Core"]}),e.jsx("ul",{className:"space-y-3",children:["8x faster disbursement, credit memo in under 10 minutes","Automated GST, bank statement and invoice verification","Auditable workflows with configurable DOP matrices","Virtual accounts auto-allocate every payment","T+1 accounting with automated two-way reconciliation","EWS-driven, proactive collections"].map((t,n)=>e.jsxs("li",{className:"flex items-start gap-3 text-muted-foreground",children:[e.jsx(l,{className:"w-5 h-5 text-green-600 flex-shrink-0"}),t]},n))})]})]})]})}),e.jsx("section",{className:"py-24 px-4 bg-gradient-to-br from-accent to-purple-700 text-white",children:e.jsxs("div",{className:"container mx-auto max-w-6xl",children:[e.jsxs("div",{className:"text-center mb-16",children:[e.jsx("h2",{className:"text-4xl font-bold mb-4",children:"Proven at Scale in a Live NBFC Deployment"}),e.jsx("p",{className:"text-xl text-white/80 max-w-3xl mx-auto",children:"Deployed at a growth-stage NBFC, replacing a fragmented LOS-LMS stack entirely - same team, same volume, zero added headcount."})]}),e.jsx("div",{className:"grid grid-cols-2 md:grid-cols-4 gap-6",children:[{value:"< 5 min",label:"Credit Memo Generated"},{value:"8x",label:"Faster Disbursement"},{value:"100%",label:"Digital, Sanction to Disbursal"},{value:"< 1.5%",label:"GNPA Maintained"}].map((t,n)=>e.jsxs("div",{className:"bg-white/10 backdrop-blur-sm p-6 rounded-2xl border border-white/20 text-center",children:[e.jsx("div",{className:"text-4xl font-bold mb-2",children:t.value}),e.jsx("div",{className:"text-sm text-white/80",children:t.label})]},n))})]})}),e.jsx("section",{className:"py-16 px-4 bg-gradient-to-br from-gray-900 to-gray-800 text-white",children:e.jsx("div",{className:"container mx-auto max-w-6xl",children:e.jsxs("div",{className:"flex flex-col md:flex-row items-center md:items-start justify-between gap-8",children:[e.jsxs("div",{className:"text-center md:text-left max-w-sm",children:[e.jsxs("h2",{className:"text-3xl font-bold mb-3",children:["Enterprise-Grade"," ",e.jsx("span",{className:"text-accent italic",children:"Security & Compliance"})]}),e.jsx("p",{className:"text-white/70",children:"Built to meet the compliance bar banks and NBFCs require, from day one."})]}),e.jsx("div",{className:"grid grid-cols-2 gap-4 flex-1 max-w-2xl w-full",children:[{icon:u,label:"SOC 2 Type II"},{icon:o,label:"ISO 27001"},{icon:R,label:"256-bit AES Encryption"},{icon:l,label:"RBI IRAC Aligned"}].map((t,n)=>e.jsxs("div",{className:"flex items-center gap-3 bg-white/5 border border-white/10 rounded-xl p-4 hover:bg-white/10 transition-all",children:[e.jsx("div",{className:"w-10 h-10 bg-accent/20 rounded-lg flex items-center justify-center flex-shrink-0",children:e.jsx(t.icon,{className:"w-5 h-5 text-accent"})}),e.jsx("span",{className:"text-sm font-semibold text-white/90",children:t.label})]},n))})]})})}),e.jsx("section",{className:"py-24 px-4 bg-gray-50",children:e.jsxs("div",{className:"container mx-auto max-w-7xl",children:[e.jsxs("div",{className:"text-center mb-16",children:[e.jsx("h2",{className:"text-4xl font-bold text-foreground mb-4",children:"How to Evaluate a Unified Credit Operations Platform"}),e.jsx("p",{className:"text-xl text-muted-foreground max-w-3xl mx-auto",children:"A checklist spanning origination, disbur
16sement, supply chain finance and compliance."})]}),e.jsx("div",{className:"grid md:grid-cols-2 lg:grid-cols-3 gap-6",children:[{step:"1",title:"Lead & Credit Assessment",points:["Prescreen engine for lead filtering","Bureau, GST, Account Aggregator integration","AI bank statement parsing","Duplicate & related-party detection"]},{step:"2",title:"Underwriting & Workflow",points:["Auto-CAM credit memo generation","Configurable DOP approval matrices","Multi-level approval workflows","Complete audit trail"]},{step:"3",title:"Document & Invoice Verification",points:["AI CAD document validation","GST portal invoice verification","HSN code & e-way bill matching","Expiry and validity tracking"]},{step:"4",title:"Disbursement & Banking",points:["H2H banking integration","Instant disbursal capability","Virtual account repayments","Auto-accounting entries"]},{step:"5",title:"Limit & Risk Management",points:["Borrower, anchor and program-level limits","Early Warning Signal tracking","Covenant compliance monitoring","Industry and sector risk indicators"]},{step:"6",title:"Accounting, Collections & Compliance",points:["T+1 accounting with ERPNext","Smart Collections automation","Automated bank reconciliation","RBI IRAC & regulatory reporting"]}].map((t,n)=>e.jsxs("div",{className:"bg-white p-6 rounded-xl border border-border hover:shadow-lg transition-all",children:[e.jsxs("div",{className:"flex items-center gap-3 mb-4",children:[e.jsx("div",{className:"w-10 h-10 bg-accent text-white rounded-full flex items-center justify-center font-bold text-lg",children:t.step}),e.jsx("h3",{className:"text-lg font-bold text-foreground",children:t.title})]}),e.jsx("ul",{className:"space-y-2",children:t.points.map((s,r)=>e.jsxs("li",{className:"flex items-start gap-2 text-sm text-muted-foreground",children:[e.jsx(l,{className:"w-4 h-4 text-green-600 flex-shrink-0 mt-0.5"}),s]},r))})]},n))}),e.jsxs("div",{className:"mt-12 text-center",children:[e.jsx("p",{className:"text-lg text-foreground font-semibold mb-4",children:"â CARMA Core meets all 6 criteria - the only platform built for the complete business lending lifecycle"}),e.jsx(a,{size:"lg",className:"bg-accent hover:bg-accent/90 text-white px-8 py-6 text-lg",onClick:d,children:"Get Expert Consultation â"})]})]})}),e.jsx("section",{className:"py-24 px-4 bg-white",children:e.jsxs("div",{className:"container mx-auto max-w-7xl",children:[e.jsxs("div",{className:"text-center mb-16",children:[e.jsx("h2",{className:"text-4xl font-bold text-foreground mb-4",children:"Credit Operations Challenges We Solve"}),e.jsx("p",{className:"text-xl text-muted-foreground max-w-3xl mx-auto",children:"Purpose-built to address pain points across origination, disbursement and supply chain finance"})]}),e.jsx("div",{className:"grid md:grid-cols-2 gap-8",children:[{problem:"â Credit TAT takes weeks per application",solution:"â 8x faster disbursement with Auto-CAM and instant data integrations",icon:O},{problem:"â GST & bank statement analysis is manual and error-prone",solution:"â 2,200+ automated GST checks plus AI bank statement parsing in seconds",icon:g},{problem:"â Document chasing delays disbursement",solution:"â AI CAD Agent validates documents and flags gaps automatically",icon:o},{problem:"â Invoice verification takes days, exposing fraud risk",solution:"â GST + HSN + e-way bill checks clear genuine invoices in under 2 minutes",icon:u},{problem:"â Payment allocation done manually in spreadsheets",solution:"â Virtual accounts auto-allocate every payment to the right loan",icon:T},{problem:"â No real-time visibility into limits or covenants",solution:"â Multi-level limit tracking and EWS monitor exposure continuously",icon:b},{problem:"â Month-end reconciliation takes 10+ days",solution:"â T+1 accounting with automated two-way bank reconciliation",icon:y},{problem:"â Collections are reactive after defaults",solution:"â EWS-triggered Smart Collections act on day-1 payment delays",icon:x}].map((t,n)=>e.jsx("div",{className:"bg-gray-50 p-6 rounded-xl border border-border hover:shadow-md transition-all",children:e.jsxs("div",{className:"flex items-start gap-4",children:[e.jsx("div",{className:"w-12 h-12 bg-accent/10 rounded-lg flex items-center justify-center flex-shrink-0",children:e.jsx(t.icon,{className:"w-6 h-6 text-accent"})}),e.jsxs("div",{children:[e.jsx("p",{className:"text-red-600 font-medium mb-2",children:t.problem}),e.jsx("p",{className:"text-green-700 font-semibold",children:t.solution})]})]})}
16,n))})]})}),e.jsx("section",{className:"py-24 px-4 bg-gradient-to-br from-gray-900 to-gray-800 text-white",children:e.jsxs("div",{className:"container mx-auto max-w-7xl",children:[e.jsxs("div",{className:"text-center mb-16",children:[e.jsx("h2",{className:"text-4xl font-bold mb-4",children:"Built for Lenders Writing Business Credit in India"}),e.jsx("p",{className:"text-xl text-white/80 max-w-3xl mx-auto",children:"From MSME lending to anchor-led supply chain finance, CARMA Core adapts to your lending model"})]}),e.jsx("div",{className:"grid md:grid-cols-3 gap-6",children:[{industry:"Banks",icon:E,useCases:["MSME lending","SME credit","Mid-market business loans","RBI IRAC-aligned reporting","Working capital & term loans"]},{industry:"NBFCs & Supply Chain Lenders",icon:b,useCases:["Anchor-led dealer & vendor financing","Channel finance programs","Dynamic discounting & reverse factoring","Invoice discounting","Manufacturing & FMCG distributor finance"]},{industry:"Fintechs & Digital Lenders",icon:f,useCases:["API-first, pay-per-use AI modules","Fast 4-6 week deployment","MSME & digital lending journeys","Embedded lending at point of sale"]}].map((t,n)=>e.jsxs("div",{className:"bg-white/5 backdrop-blur-sm p-6 rounded-xl border border-white/10 hover:bg-white/10 transition-all",children:[e.jsxs("div",{className:"flex items-center gap-3 mb-4",children:[e.jsx("div",{className:"w-10 h-10 bg-accent/20 rounded-lg flex items-center justify-center",children:e.jsx(t.icon,{className:"w-5 h-5 text-accent"})}),e.jsx("h3",{className:"text-xl font-bold",children:t.industry})]}),e.jsx("ul",{className:"space-y-2",children:t.useCases.map((s,r)=>e.jsxs("li",{className:"flex items-start gap-2 text-sm text-white/70",children:[e.jsx("span",{className:"text-green-400 flex-shrink-0",children:"â"}),s]},r))})]},n))}),e.jsxs("div",{className:"mt-12 text-center",children:[e.jsx("p",{className:"text-lg mb-6",children:"Need CARMA Core customization for your specific lending model?"}),e.jsx(a,{size:"lg",variant:"outline",className:"bg-transparent border-white text-white hover:bg-white hover:text-gray-900 px-8 py-6 text-lg",onClick:c,children:"Discuss Your Requirements â"})]})]})}),e.jsx("section",{className:"py-24 px-4 bg-white",children:e.jsxs("div",{className:"container mx-auto max-w-6xl",children:[e.jsxs("div",{className:"text-center mb-16",children:[e.jsx("h2",{className:"text-4xl font-bold text-foreground mb-4",children:"Deploy CARMA Core in 4-6 Weeks"}),e.jsx("p",{className:"text-xl text-muted-foreground",children:"Phased implementation to get you live quickly with continuous AI rollout."})]}),e.jsx("div",{className:"grid md:grid-cols-3 gap-8",children:[{step:"01",title:"Discovery & Program Design",description:"We map your lending products, credit policy, SCF program structures and approval workflows.",duration:"1-2 weeks"},{step:"02",title:"Integration Phase",description:"Connect bureau, GST, Account Aggregator, banking (H2H), and ERPNext. Configure virtual accounts and limit hierarchies.",duration:"2-3 weeks"},{step:"03",title:"Go Live & AI Rollout",description:"Onboard borrowers and anchors, then progressively switch on Auto-CAM, EWS, and Smart Collections.",duration:"1-2 weeks"}].map((t,n)=>e.jsxs("div",{className:"relative bg-gradient-to-br from-gray-50 to-white p-8 rounded-2xl border-2 border-border hover:border-accent transition-all group",children:[e.jsx("div",{className:"absolute -top-4 -left-4 w-12 h-12 bg-accent text-white rounded-full flex items-center justify-center font-bold text-xl shadow-lg",children:t.step}),e.jsx("h3",{className:"text-2xl font-bold text-foreground mb-3 mt-4",children:t.title}),e.jsx("p",{className:"text-muted-foreground mb-4 leading-relaxed",children:t.description}),e.jsxs("span",{className:"text-sm font-semibold text-accent",children:["â±ï¸ ",t.duration]})]},n))}),e.jsxs("div",{className:"mt-12 bg-gradient-to-r from-accent to-purple-600 rounded-2xl p-8 text-white text-center",children:[e.jsx("h3",{className:"text-2xl font-bold mb-3",children:"Ready to Replace Your Fragmented Lending Stack?"}),e.jsx("p",{className:"text-lg text-white/90 mb-6",children:"Join leading banks, NBFCs and fintechs already using CARMA Core"}),e.jsxs("div",{className:"flex flex-col sm:flex-row gap-4 justify-center",children:[e.jsx(a,{size:"lg",className:"bg-white text-accent hover:bg-gray-100 px-8 py-6 text-lg font-semibold",onClick:d,children:"Schedule Demo"}),e.jsx(a,{size:"lg",variant:"outline",className:"bg-transparent border-2 border-white text-white hover:bg-white hover:text-accent px-8 py-6 text-lg font-semibold",onClick:c,children:"Get Pricing"})]})]})]})}),e.jsx("section",{className:"py-24 px-4 bg-gray-50",children:e.jsx("div",{className:"container mx-auto max-w-4xl",children:e.jsxs("div",{className:"prose prose-lg max-w-none",children:[e.jsx("h2",{className:"text-3xl font-bold text-foreground mb-6",children:"What Is CARMA Core?"}),e.jsx("p",{className:"text-muted-foreground leading-relaxed mb-6",children:"CARMA Core is the credit operations layer that sits above your core banking system (CBS) and unifies the tools business lenders traditionally run as separate systems: a Loan Origination System (LOS) for acquisition and underwriting, a Loan Management System (LMS) for disbur
16sement and servicing, a Supply Chain Finance (SCF) platform for anchor-led dealer and vendor programs, and standalone tools for reconciliation, credit memo generation, and portfolio monitoring. Instead of integrating five or six point solutions, lenders run one connected platform."}),e.jsx("p",{className:"text-muted-foreground leading-relaxed mb-6",children:"CarmaOne built CARMA Core specifically for Indian business credit, with deep integration into GST Portal, Indian Credit Bureaus, CKYC, NSDL, the Account Aggregator framework, H2H banking rails, and ERPNext. This India-first approach powers capabilities like 2,200+ automated GST checks, Auto-CAM credit memo generation in under 10 minutes, GST + HSN + e-way bill invoice verification for SCF, and continuous Early Warning Signals tuned to Indian filing and repayment behavior."}),e.jsx("h3",{className:"text-2xl font-bold text-foreground mb-4 mt-8",children:"Key Components of CARMA Core"}),e.jsxs("ul",{className:"space-y-3 text-muted-foreground mb-6",children:[e.jsxs("li",{children:[e.jsx("strong",{children:"Lead & Credit Assessment:"})," Prescreen leads and pull bureau, GST, and bank data automatically for eligibility checks"]}),e.jsxs("li",{children:[e.jsx("strong",{children:"Underwriting & Auto-CAM:"})," Generate a committee-ready credit memo in under 10 minutes from financials, GST, and bureau signals"]}),e.jsxs("li",{children:[e.jsx("strong",{children:"Document & Invoice Verification:"})," AI CAD Agent validates KYC and financial documents; GST portal checks verify SCF invoices"]}),e.jsxs("li",{children:[e.jsx("strong",{children:"Disbursement:"})," Straight-through H2H banking integration for term loans and SCF drawdowns in under 2 minutes"]}),e.jsxs("li",{children:[e.jsx("strong",{children:"Repayment & Reconciliation:"})," Virtual account-based collections with automated two-way bank reconciliation"]}),e.jsxs("li",{children:[e.jsx("strong",{children:"Portfolio Monitoring:"})," Early Warning Signals, covenant tracking, and Smart Collections automation"]})]}),e.jsx("h3",{className:"text-2xl font-bold text-foreground mb-4 mt-8",children:"Who Needs CARMA Core?"}),e.jsx("p",{className:"text-muted-foreground leading-relaxed mb-6",children:"Banks with SME and MSME lending divisions, NBFCs running working c
16apital and supply chain finance books, fintechs offering digital and embedded lending, and corporates operating anchor-led dealer or vendor financing programs all face the same underlying problem: fragmented systems that slow down credit decisions and disbursement. CARMA Core is built to replace that fragmentation, whether deployed as the full platform or adopted one AI module at a time."}),e.jsx("p",{className:"text-muted-foreground leading-relaxed",children:"With rising competition in business lending and increasing pressure to disburse faster while holding GNPA down, an intelligent, unified credit operations layer is no longer optional. CARMA Core by CarmaOne delivers the AI-powered automation, deep Indian integrations, and end-to-end lifecycle management that modern lenders need - proven at 8x faster disbursement with GNPA held under 1.5% in a live deployment."}),e.jsx("h3",{className:"text-2xl font-bold text-foreground mb-4 mt-8",children:"Integrate with CarmaOne's Complete Credit Suite"}),e.jsxs("p",{className:"text-muted-foreground leading-relaxed",children:["CARMA Core integrates seamlessly with CarmaOne's other solutions: enhance credit decisions with"," ",e.jsx("a",{href:"/carma-assess",className:"text-accent hover:underline font-medium",children:"CARMA Assess"})," ","for comprehensive vendor and borrower diligence, or connect with our"," ",e.jsx("a",{href:"/carma-dealflow",className:"text-accent hover:underline font-medium",children:"CARMA DealFlow"})," ","for structured private credit fund operations."]})]})})}),e.jsx("section",{className:"py-16 px-4 bg-white border-t border-gray-100",children:e.jsxs("div",{className:"container mx-auto max-w-5xl",children:[e.jsx("h2",{className:"text-2xl font-bold text-foreground mb-2",children:"CARMA Core Resources & Guides"}),e.jsx("p",{className:"text-muted-foreground mb-8",children:"Deep-dive guides on loan origination, underwriting, supply chain finance, and early warning systems for Indian lenders."}),e.jsx("div",{className:"grid md:grid-cols-2 gap-4",children:[{title:"Integrated LOS-LMS for Supply Chain Finance: The Only Way to Scale in 2026",href:"/blog/los-lms-supply-chain-finance-automation",tag:"LOS + LMS Integration"},{title:"AI Credit Underwriting with GST Data: How Modern LOS Wins the MSME Market",href:"/blog/modern-credit-underwriting-gst-bureau",tag:"Underwriting & GST"},{title:"Supply Chain Finance Platforms in India 2026: The Definitive Guide to Choosing the Right LMS",href:"/blog/supply-chain-finance-platform-india-guide-2026",tag:"Supply Chain Finance"},{title:"AI Early Warning System for NPA Prevention (India 2026)",href:"/blog/ai-early-warning-system-npa-prevention-india-2026",tag:"Early Warning System"},{title:"Closing the $530 Billion MSME Credit Gap with Digital Loan Origination",href:"/blog/msme-credit-gap-digital-loan-origination-india-2026",tag:"MSME Credit"},{title:"AI Credit Scoring with GST Data: The Complete Guide",href:"/blog/ai-credit-scoring-gst-data-india-2026",tag:"AI Credit Scoring"}].map((t,n)=>e.jsxs("a",{href:t.href,className:"flex flex-col gap-2 p-4 rounded-xl border border-border hover:border-accent hover:shadow-md transition-all group",children:[e.jsx("span",{className:"text-xs font-semibold text-accent bg-accent/10 px-2 py-0.5 rounded-full w-fit",children:t.tag}),e.jsx("span",{className:"text-sm font-medium text-foreground group-hover:text-accent transition-colors leading-snug",children:t.title})]},n))})]})}),e.jsx("section",{className:"py-24 bg-white border-t border-gray-100",children:e.jsxs("div",{className:"container mx-auto px-4 max-w-4xl",children:[e.jsxs("div",{className:"text-center mb-16",children:[e.jsx("h2",{className:"text-3xl md:text-4xl font-bold text-foreground mb-4",children:"Frequently Asked Questions"}),e.jsx("p",{className:"text-muted-foreground",children:"Everything you need to know about CarmaOne CARMA Core"})]}),e.jsx("div",{className:"space-y-4",role:"list","aria-label":"Frequently asked questions about CARMA Core",children:G.map((t,n)=>e.jsxs("div",{className:"border border-border rounded-xl overflow-hidden bg-white shadow-sm hover:shadow-md transition-shadow",role:"listitem",children:[e.jsxs("button",{onClick:()=>w(i===n?null:n),className:"w-full px-6 py-5 flex items-center justify-between text-left hover:bg-gray-50 transition-colors","aria-expanded":i===n,"aria-controls":`core-faq-answer-${n}`,id:`core-faq-question-${n}`,children:[e.jsx("span",{className:"font-semibold text-foreground pr-4",children:t.question}),e.jsx(I,{size:20,className:`flex-shrink-0 text-accent transition-transform 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border-border hover:border-accent hover:shadow-md transition-all group bg-white",children:[e.jsx("span",{className:"text-sm font-semibold text-accent bg-accent/10 px-3 py-1 rounded-full w-fit mb-2",children:"Buyer's Guide"}),e.jsx("span",{className:"text-lg font-bold text-foreground group-hover:text-accent transition-colors",children:"How to Choose the Best LOS in 2026"}),e.jsx("span",{className:"text-sm text-muted-foreground mt-2",children:"The complete buyer's guide to evaluating loan origination platforms and alternatives for NBFCs."})]}),e.jsxs(m,{to:"/blog/los-lms-supply-chain-finance-automation",className:"flex flex-col gap-2 p-6 rounded-xl border border-border hover:border-accent hover:shadow-md transition-all group bg-white",children:[e.jsx("span",{className:"text-sm font-semibold text-accent bg-accent/10 px-3 py-1 rounded-full w-fit mb-2",children:"Integration Playbook"}),e.jsx("span",{className:"text-lg font-bold text-foreground group-hover:text-accent transition-colors",children:"Why Fragmented LOS-LMS Stacks Fail at Scale"}),e.jsx("span",{className:"text-sm text-muted-foreground mt-2",children:"Why disconnected LOS and LMS systems break down for supply chain finance - and what to do instead."})]}),e.jsxs(m,{to:"/glossary",className:"flex flex-col gap-2 p-6 rounded-xl border border-border hover:border-accent hover:shadow-md transition-all group bg-gradient-to-br from-accent/5 to-transparent",children:[e.jsx("span",{className:"text-sm font-semibold text-accent bg-accent/10 px-3 py-1 rounded-full w-fit mb-2",children:"Knowledge Base"}),e.jsx("span",{className:"text-lg font-bold text-foreground group-hover:text-accent transition-colors",children:"Credit & Lending Glossary"}),e.jsx("span",{className:"text-sm text-muted-foreground mt-2",children:"Master the terminology: from DPD and DOP matrices to EWS triggers and IRAC asset classification."})]})]})]})}),e.jsx("section",{className:"py-24 px-4",children:e.jsxs("div",{className:"container mx-auto max-w-4xl text-center",children:[e.jsx("h2",{className:"text-4xl font-bold text-foreground mb-6",children:"Ready to Replace Your Fragmented Lending Stack?"}),e.jsx("p",{className:"text-xl text-muted-foreground mb-12",children:"Join leading banks, NBFCs and fintechs using CARMA Core. Book a demo and see the unified credit operations layer in action."}),e.jsx("div",{className:"flex flex-col sm:flex-row gap-4 justify-center",children:e.jsx(a,{size:"lg",className:"bg-accent hover:bg-accent/90 text-white px-8 py-6 text-lg",onClick:d,children:"Schedule a Demo"})})]})})]}),e.jsx(L,{})]})};export{ee as default};
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.