Lokyata

Lokyata is a fintech company based in Washington, DC, founded in 2017. It offers an AI-driven platform designed to enhance lending decisions, risk analytics, cash flow analysis, fraud detection, and loan automation. The company serves a diverse range of clients, including banks, non-banking finance companies (NBFCs), credit bureaus, digital lenders, and fintech lenders around the world.

The Lokyata platform features several key offerings, such as BANKANALYZE, which provides AI-based cash flow underwriting to streamline income and debt categorization, and LEADBUY, a self-service workflow for optimizing lead acquisition. Additionally, FRAUDBLOCK delivers multi-layered fraud detection to help clients minimize risks and costs. Lokyata's mission is to promote financial inclusion, enabling lenders to make smarter and more inclusive decisions for millions of Americans lacking fair credit access. The company combines banking expertise with data science to deliver real-time, transparent results that improve loan approvals and reduce defaults.