Karza Technologies

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Enabling Decisions
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Inefficiencies in BFSI Ecosystem
Traditional organisations have limitations that
make them slow, inefficient unable to meet
rising demand
Regulatory Pressures
Manual Process of on-boarding
Scattered and Unstructured Data
Regulatory pressure and compliance requirements
are mounting with rise in frauds, bad loans and
defaults
High TAT, huge operational costs frauds
restrict penetration of financial services
Data is scattered across the web and not
available in a consumable, intelligent manner
At 12.2 Consumer Credit AUM to GDP Ratio 11
Mutual Funds AUM to GDP Ratio, India
significantly lags behind its peers
NPAs over 150B have a systemic risk on the
Indian economy
Multiple licensing requirements, high
requirements of statutory compliance filings,
several state level regulatory bodies, regional
language portals indicates fragmented data
Frauds over 10B in 2019 alone were recorded by
the RBI
Less than 40M credit card customers
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Karza - One stop solution for Digitization,
Verification and Diligence Needs!
Integrated with 750 digital public sources
Alerts on 150 Negative Lists
750
Singular Gateway to 820 Million Entities and
Business associations profile
Instant Access to 1 Billion records compiled
through 750 public sources
820 M
1 B
6 M
6 Million records processed everyday to profile
business and entities within seconds Unparalleled
Intelligence Instant Access 10X more
businesses(20M) profiled than all existing
players
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Karza Promise
Access to wider markets Through wider coverage of
intelligence, Karza opens up 10x opportunity for
institutions to on-board 800 million businesses
and individuals. Revolutionize customer
experience Integrated intelligence revolutionizes
the customer experience by enabling friction
less process and instant decisions. Elevate
Risk and Compliance Measures With enhanced
diligence and credit intelligence through 750
alternate data sources, Karza makes the risk,
credit and compliance functions even more
robust Reduce operational overheads Thoroughly
digital delivery of solutions reduces operational
overheads and turn around time while assessing
profiles and consolidating multiple solutions in
one place
New Age Alternate Bureau integrating scattered
public information to deliver insights and
intelligence digitally and elevating the whole
organization across Business Development, Risk,
Credit, Operations and Collections.
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Karzas Product Suite
AI and ML powered backbone of every stage of a
transaction from on-boarding to monitoring
KScan Most comprehensive due diligence platform
KTotalKYC Digital on-boarding and
risk assessment platform
KLookup Digital skip tracing and recovery
assistant
KLitigation Comprehensive Legal Analysis Platform
KWatch Portfolio monitoring for Early Warnings
and Alerts
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The Product Story
Karza offers solutions at every step of the
customer journey elevates Customer Experience
Customer On-boarding
On an Application / Website I
Due Diligence
Sanction Disbursal
Monitoring
Recovery
KYC Verification Form Auto-filled VideoKYC
Discover
Bank A/C verification eSign Disbursal
eNach/eMandate Suite (WIP)
Risk Management Fraud Analytics EWS systems
Collections Management
Employment Checks Income ITR/GST Banking
Analytics (WIP) Negative Lists, Compliance,
Litigation, Related Party Checks
KARZA STITCHED PROFILE USING AI, ML, NLP TOOLS
KTOTALKYC KSCAN
KWATCH KLOOKUP Interdependent Intelligence
Platforms
KTOTALKYC
Digital On-boarding, Underwriting and Holistic
Diligence
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TotalKYC
The KTotalKYC Product Suite consists of 100
Micro APIs solving Diverse Use Cases including
Flagship products like
Amazon Award Winner State-of-the-Art Analytics
Suite AI enabled Face Match, Name Match and
Address Match algorithms
RBI and SEBI - Regulatory Compliant VideoKYC OVD
Verification Liveliness Check Lat-long Check
Individual KYC Employment Verification Suite POI
POA APIs, Employment Employer Verification,
ITR, Form 16, EPFO, ESIC
Business KYC Verification Suite POI POA APIs,
Statutory Filing Status, GST ITR Analytics,
Related Party Info
The KTotal KYC Product Suite meets one of
these 3 functions
Regulatory Compliance
Automation Auto filing
Verification and Risk Management
Ensures seamless remote on-boarding, enhanced
customer experience and prudent risk management
for Individuals and Businesses
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TotalKYC suite- KDISCOVER

• Rule engine-based risk scoring platform used by
  Fraud Risk Control Units of BFSI
• One of its kind Unified offering to risk-score
  an application for all KYC relatedverification
• Inter-linkage of several databases to verify
  identity, address, employment
• Confidence Score (Match ) for each input
  culminating into an overall Risk Score
• First Step towards launching
• KScore
• Customized Risk Score thresholds to conclude
  complete identity profiling on a single dashboard

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KScan
The most comprehensive platform to assess,
monitor and safeguard from all counter-party risks
Ownership Information
Negative News
Exhaustive Database
Shell Entity Identification 98.5 accuracy
achieved
Alerts
1 Billion records processed
Advanced analytics run on 200 negative lists
Near real-time monitoring
Automated information on SBO and UBO available.
Singular Gateway for comprehensive profiling of
20M entities established basis 750 public
sources like MCA, GST, NCLT, Wilful defaulters
list, credit rating agencies, etc.
Risks are classified into statutory compliance,
credit and banking risks and further categorized
into low medium and high risks to aid in
defaulters identification
Periodic refreshing of the entire information
set to ensure near-real time information
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KScan Suite - KGST KITR
Enhancing the SME underwriting capabilities of
banks and financial institutions Processes and
screens businesses in less than 30 seconds!
KGST - 8M GST filing entities Covered
KITR - 68M ITR filing entities Covered
Verification on the financial antecedents of
individuals entities who have filed IT returns
Intelligence on businesses basis profiles and
detailed consent driven reports obtained for
GST registered entities
KGST KITR Insights are available as machine
readable extracts to power BRE
Tracks GST returns filing status
Provides Credible financial insights for
underwriting
In-depth business insights on customer-wise,
product-wise supplier-wise data
Consolidation of GST ITR data to simulate YTD
Financials
Fraud analytics incl. related party / cyclical /
fake invoicing transactions
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KLookup
A one-of-a-kind skip-tracing and asset-tracing
solution
Unique Address and Contact Records
Property Registration Records
Utility Bill Records
Assists Banks FIs in tracing non-contactable
defaulters identifying undisclosed assets
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Built by Domain Technology Experts
Karza is the largest data, analytics, automation
and decisioning solution provider to BFSI,
catering to the entire transaction lifecycle from
onboarding to diligence monitoring to
collections. Karza solutions enable systemic
fraud prevention, risk management, compliance
automation through superior data engineering and
deep tech applications.
The Founders Recognized by Fortune 40 Under 40
Alok Kumar Co-Founder, CTO IIT KGP, Ex-Morgan
Stanley
Gaurav Samdaria Co-Founder, CBO CA, CFA, FRM,
Serial Entrepreneur
Omkar Shirhatti Co-Founder, CEO CA, Ex-EY
Investigations
Extensive experience across fraud investigations
and AI ML technology
70 Time saved through digitization
20 Collections Boosted
100 Live Products
3000 Cr Frauds averted
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Achievements
Recognized by the Industry Leaders
NASSCOM AI Gamechangers Awards program 2021 -
Challengers
HDFC Digital Innovation Award 2020
Technoviti Super Awards 2019
IAMAI's India Digital Awards - Most Innovative
RegTech Solution
Accelerated by Yes Bank, ICICI Bank, Axis Bank
and Viacom18
Top Startup to work for in 2019 by LinkedIn
Best AI in Fintech 2019
Fintech Valley Vizag Award 2020
Maharashtra Start-up Week Fintech Award 2021
Top 20
20 M Monthly Transactions
2 Bn Records Processed
100 Live Products
200 Live Clients
Plug-and Play Solutions
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Our Clients
New Age Fintech Payments
Commerce Corporates
Traditional BFSI
200 Clients
With widest coverage of industries and use cases
across Banking, Lending, Payments, Insurance,
Investments and Commerce
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CONTACT US
CoWrks, Birla Centurion, Worli, Mumbai
www.karza.in
91 981 980 2177
info_at_karza.in