An agentic Ecosystem for Financial Services
Pinakyne's AI agents are the next-generation banking workforce, seamlessly replacing traditional roles in call centers, credit cards, lending, payments, and remittance—driving efficiency, scalability, and intelligent automation.
Our Agents at a glance
From summarising and generating reports to voice agents and document scanning, Pinakyne AI's agent APIs and plugins for everything.
API Integration Ecosystem
Intelligent data flow orchestration
External Data Sources
CRMs, ERPs, Databases
Intelligent API Gateway
Authentication, Rate Limiting, Routing
AI Processing Layer
Data Transformation, Enrichment
Business Applications
Insights Delivery, Automated Actions
Supported Protocols
All ActiveTalk to AI Voice Agents
Sales, Debt Collection, and Customer Support agents are ready to help you.
AI Credit initiation & control
Self-learning creditpolicy optimization system
Document scanning and retrieval
With our blazing fast, state of the art, cutting edge, we are so back cloud servies (read AWS) - you can deploy your model in seconds.
Credit Risk Management Policy
SECTION 1: GENERAL PROVISIONS
1.1 This Credit Risk Management Policy ("Policy") establishes the framework for evaluating and managing credit risk across all lending operations. The Policy aims to maintain a high-quality credit portfolio while ensuring compliance with regulatory requirements and risk appetite limits.
SECTION 2: CREDIT ASSESSMENT CRITERIA
2.1 All credit applications must undergo comprehensive evaluation based on the following criteria:
- Credit History Assessment
- - Minimum credit score requirements
- - Payment delinquency analysis
- - Length of credit history
- Financial Capacity Evaluation
- - Income verification and stability
- - Debt service coverage ratio
- - Asset and liability assessment
SECTION 3: RISK MITIGATION
3.1 The following risk mitigation measures must be implemented:
- Portfolio diversification across sectors
- Regular stress testing and scenario analysis
- Continuous monitoring of credit quality indicators
SECTION 4: REGULATORY COMPLIANCE
4.1 All lending activities must comply with applicable regulations, including but not limited to:
- Capital adequacy requirements
- Risk-based pricing guidelines
- Fair lending practices
AI-Powered Risk Analysis Report
EXECUTIVE SUMMARY
The AI system has analyzed the credit policy framework and identified optimization opportunities based on historical performance data and current market conditions.
KEY FINDINGS
- Policy Effectiveness Analysis:
- - Current approval rate: 82% (Target: 75-85%)
- - Default rate: 2.1% (Below industry average)
- - Risk-adjusted return: 14.3% (Above target)
- Market Context Integration:
- - Sector-specific risk trends identified
- - Macroeconomic indicators incorporated
- - Competitive landscape analysis
- Recommended Policy Adjustments:
- - Increase DTI threshold by 2% for high-score segments
- - Implement dynamic pricing based on risk profile
- - Enhanced early warning system for portfolio monitoring
IMPLEMENTATION STRATEGY
The proposed policy adjustments should be implemented in phases:
- Phase 1: System updates and staff training
- Phase 2: Pilot program for selected segments
- Phase 3: Full rollout with monitoring framework
RISK CONSIDERATIONS
The AI system continuously monitors and adjusts for:
- Market volatility impacts
- Portfolio concentration risks
- Regulatory compliance requirements
Our Features at a Glance
Autonomous systems incorporating proactive decision making.
Secure & Compliant
We ensure all our services are secure and compliant with the latest regulations.
Hi, I need help with making a payment.
Of course! I'd be happy to assist. Could you tell me more about the payment you're trying to make? Is it for a bill, a purchase, or something else?
It's for a utility bill. I want to pay my electricity bill.
Got it! Are you looking to pay online using your card, through a bank transfer, or another method?
I'd like to pay using my debit card.
Affirmative, here's your image.
Continuos Learning
Agents observe, learn, and act based on feedback loops, constantly adapting to shape their behavior for future interactions.
Pick your LLM
Pick your LLM, be it opensource or proprietary, we support all of them.
Add LLM
Add
Groq LLM
23rd March
Llama 3
21st March
OpenAI GPT-4o
3rd May
DeepSeek R1
1st April
Claude 200k
2nd June
Voice Agents
Customizable voice agents to help you with your business.
Voice Assistant Active
"Hey, how can I assist you today?"
Deploy in minutes
With our blazing fast, state of the art, cutting edge, we offer cloud based services- you can deploy selected services in your own environment in seconds.
Our Team
Aditi Chatterji
CEO & Founder
Accomplishments:
- An experienced A.I. and M.L. Professional with a proven track record of delivering tangible value and robust solutions for business problems across large MNC Banks and Fintech startups.
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Pinakyne