Accumn

Accumn (formerly known as Corpository) is an AI-powered credit intelligence and decision-making platform exclusively designed for the Banking, Financial Services, and Insurance (BFSI) sector. Operating as part of the Yubi Group, Accumn specializes in transforming credit underwriting and portfolio management through advanced artificial intelligence, machine learning, and generative AI. The platform serves as an end-to-end credit infrastructure solution, enabling lenders to make faster, smarter, and more inclusive lending decisions while reducing false positives in portfolio monitoring. Currently serving over 75 financial institutions across more than 500 lines of business, Accumn processes approximately 500,000 credit evaluations monthly, operating at significant scale across India, Asia, and the Middle East.

Core Products & Services

• OptimaAI (AI-Powered Underwriting Platform): First AI-based end-to-end underwriting platform combining origination, underwriting, monitoring, and early warning signals powered by machine learning and generative AI

• Digital Twin Technology: AI-driven virtual replicas of borrowers and lending processes that continuously evolve with new data, including specialized twins for Relationship Managers, Underwriters, and Credit Process Analysts

• Underwriter Twin: Intelligent system that reads bank statements, Income Tax Returns (ITRs), GST data, and cash flow patterns; automatically applies credit policy; and prepares Credit Approval Memo (CAM) drafts with quantified reasoning

• Relationship Manager Twin: Understands borrower context, generates personalized due diligence questions, and analyzes behavioral signals including hesitations, delays, and document submission inconsistencies

• Credit Process Analyst Twin: Replicates backend checks including document validations, ratio computations, exception note preparation, and data triangulation without manual rework

• Behavioral Data Integration: Transcribes and analyzes borrower responses during personal discussions to generate behavioral scores complementing financial risk assessment, flagging operational and governance risks

• Context-Aware Early Warning System (EWS): Replaces uniform alerts with contextual call-to-actions, reducing false positives by over 40% through AI-driven analysis of seasonal patterns, borrower profiles, and local disruptions

• Agentic AI Co-Pilot: Advanced AI capabilities for autonomous execution of complex tasks including building custom credit rules, drafting loan memos, CAM documentation, policy simulations, and exception justifications

• Portfolio Intelligence and Monitoring: Real-time asset portfolio monitoring, due diligence platform, and advanced analytics dashboards tracking borrower financial metrics and risk indicators

• Data Integration and Structuring: Unified integration of structured data (ITRs, GST, Annual Information Statements) and unstructured data (bank statement narratives, invoice PDFs) with alternate data sources

• Credit Information Services: Comprehensive company information database including Indian Directors Information, private and public company data, private company financials, credit ratings, investors, auditors, shareholding patterns, and corporate database

Business Model & Revenue Streams

• Software-as-a-Service (SaaS) Platform Model: Enterprise platform delivered as managed service with cloud-native infrastructure, providing end-to-end credit automation accessible through APIs and integrated interfaces

• Usage-Based Transaction Pricing: Revenue correlated directly to credit evaluation volumes—currently processing approximately 500,000 monthly credit evaluations valued at ~$1 billion in loan applications, with pricing scaled to transaction throughput

• Subscription and Tiered Access Model: Financial institutions subscribe to specific Accumn modules (OptimaAI underwriting, digital twins, portfolio monitoring, data services) based on their requirements with tiered pricing based on organizational size and feature access

• Data Intelligence and Database Services: Revenue from enterprise access to proprietary corporate databases, director information repositories, shareholding pattern analysis, and credit rating databases used for due diligence and risk assessment

• Managed Service Delivery Revenue: Premium pricing for comprehensive platform management including AWS cloud infrastructure, data integration, 24/7 monitoring, proactive optimization, compliance management, and dedicated support

• Implementation and Consulting Services: Revenue from custom configuration, API integration, workflow customization, and domain consulting to enable seamless integration with lender-specific business processes and credit policies

• Per-Institution Licensing: License fees from individual financial institutions for access to AI-powered credit decisioning platform, with volume-based discounts for large-scale deployments across multiple loan products