1 (self.webpackChunk_N_E=self.webpackChunk_N_E||[]).push([[53076],{62838:function(a,b,c){(window.__NEXT_P=window.__NEXT_P||[]).push(["/case-studies/lokyata",function(){return c(87481)}])},99057:function(a,b,c){"use strict";var d=c(47902);b.Z=d.Z},87481:function(a,b,c){"use strict";c.r(b);var d=c(85893);c(67294);var e=c(63189),f=c(19521),g=c(35200);function h(){var a,b,c=(a=["\n .hero {\n .partner-logo {\n height: 30px !important;\n }\n }\n"],b||(b=a.slice(0)),Object.freeze(Object.defineProperties(a,{raw:{value:Object.freeze(b)}})));return h=function(){return c},c}var i=f.default.div.withConfig({componentId:"sc-2df5462c-0"})(h());b.default=function(){return(0,d.jsxs)(d.Fragment,{children:[(0,d.jsx)(e.Z,{title:"Lokyata + ÌÇÐÄ´«Ã½ | Account Aggregation Case Study",meta:"By integrating ÌÇÐÄ´«Ã½ aggregation and real-time transaction data, Lokyata provides lenders with a more scientific and objective assessment of borrower financial health. ",metaImage:"https://cms.mx.com/assets/527e4aae-990e-454e-a7ca-34e40eed4146"}),(0,d.jsx)(i,{children:(0,d.jsx)(g.Z,{header1:"Account Aggregation",headerDescription:"Lokyata",clientLogo:"https://assets.mx.com/images/resources/case-study-listing/company-logos/lokyata.png",clientLogoWhite:"https://assets.mx.com/images/resources/case-study-listing/2023/logo-lokyata-white.svg",headerImage:"",headerCta:"",headerCtaCustomLink:"",clientOverview:"Driven by its mission of financial inclusion for all, Lokyata created an AI-driven credit risk platform that enables lenders to provide underbanked borrowers with better access to credit, at a lower cost. Lokyata uses AI-driven predictive analytics and workflows to provision fully automated loan underwriting in an easy-to-acquire, cost-effective solution.",challengeText:"Lenders rely on credit scores to make loan underwriting decisions. As a result, underbanked borrowers with poor credit scores often cannot qualify for a personal, consumer, or auto loan. When these borrowers qualify, lenders hedge against high default rates by using a âone-size-fits-allâ approach and charge extremely high interest rates. Lokyata wanted to enable lenders to provide underbanked borrowers with better access to credit at a lower cost and needed access to transaction data to help inform its AI-driven credit risk platform.",solutionText:"By integrating ÌÇÐÄ´«Ã½ aggregation and incorporating real-time borrower transaction data in its Bank Transaction Analyzer, Lokyata provides lenders with a more scientific and objective assessment of a borrowerâs financial health. As a result, borrowers with poor or non-existent credit scores can gain access to credit, and lenders can provide loans to underserved borrowers at a significantly lower cost.",quoteText:"The reliability and number of ÌÇÐÄ´«Ã½âs connections to banks was very important to Lokyata when selecting a partner. Many underbanked borrowers use smaller community banks and credit unions, and bad connections result in a poor customer experienceâpotentially lost business for our clients.",quoteName:"Steve Bireley",quoteTitle:"CTO",videoId:""})})]})}}},function(a){a.O(0,[48333,32055,7080,31672,35200,49774,92888,40179],function(){return a(a.s=62838)}),_N_E=a.O()}])
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