Knight FinTech

FinTech is a full-stack banking technology platform providing cloud-native, API-driven solutions for digital lending, co-lending infrastructure, and treasury management. The company enables banks, NBFCs, and fintechs to streamline end-to-end loan lifecycles through intelligent automation, AI-powered underwriting, and seamless integration with legacy core banking systems.

Core Products & Services

Knight Utopia Digital Lending Platform – End-to-end loan origination system (LOS/LMS) covering loan sourcing, underwriting with 5000+ data points, automated disbursal, servicing, NPA management, and collections; supports customizable workflows for home, personal, vehicle, gold, and supply chain loans

Knight Utopia Co-Lend – Industry-first co-lending middleware connecting banks and NBFCs for seamless loan collaboration; synchronizes loan lifecycle across partners with shared risk management, syndication, and compliance

Knight Aurix Customer-Facing Lending – Mobile app, AI-powered WhatsApp lending interface, and UPI credit line solutions; uses OCR document processing, alternative credit scoring from transaction data, and instant disbursals

Knight Beacon Treasury Management – Real-time treasury operations platform for liquidity forecasting, FX management, investment tracking across asset classes, cash management, and regulatory compliance reporting

Business Intelligence & Risk Engine – AI-driven analytics analyzing bank statements, GST data, credit bureau, and financial statements; automated decision engines with BRE/CAM integration and early warning signals

AML/KYC Compliance Suite – Paperless UBO/FATCA verification, cKYC integration, promoter checks, and anti-money laundering controls with drag-and-drop rule builders

Business Model & Revenue Streams

SaaS Licensing & Transaction Processing Model – Enterprise-grade banking middleware offered as cloud-based SaaS to banks/NBFCs; revenue from platform licensing fees plus per-loan/volume-based processing charges across 150+ partnerships; microservices architecture ensures low latency and high scalability without disrupting existing core banking systems

Platform Licensing Fees – Annual/monthly SaaS subscriptions for LOS/LMS, co-lending middleware, treasury modules with tiered pricing based on loan book size and transaction volume

Transaction & Per-Loan Processing Revenue – Usage-based fees for each loan originated, underwritten, or serviced through Knight Utopia platforms; scales with client loan portfolio growth

Value-Added Services Revenue – Premium modules for AI underwriting, advanced BI analytics, AML compliance, and custom integrations command higher pricing

Implementation & Customization Fees – One-time onboarding charges for API integrations, workflow configuration, and legacy system middleware deployment

Co-Lending Network Revenue – Platform fees from bank-NBFC collaborations facilitated through Knight Utopia Co-Lend matching and lifecycle management