Automation built for regulated finance
Origination, onboarding, servicing and reconciliation are approval-heavy, integration-dense and audited. Funflow orchestrates every check, human sign-off and system call into one versioned flow.
BNPL onboarding, end to end
A single Funflow workflow takes a Buy-Now-Pay-Later applicant from a public form to a funded account — chaining KYC, document AI, credit scoring, machine learning, human approval and contract generation without a line of glue code.
Public form + KYC
A customer registers for BNPL through a public, OTP-verified form and submits their KYC details.
OCR & document AI
Both sides of the national ID are read by OCR; bank statements are extracted and analysed automatically.
Credit scoring
A CIC credit score is pulled and a scorecard is evaluated with the JDM business-rule engine.
ML risk & limit
A machine-learning model estimates default propensity; a rule set derives the eligible BNPL limit.
Fraud & AI review
Fraud rules run and an AI recommendation is attached for the reviewer’s context.
Credit Officer approval
A human step routes to a Credit Officer to approve, reject or roll the case back for more documents.
Contract & disbursement
A contract PDF is generated and signed; the customer profile and BNPL limit are created in the core.
Lending CRM
Import and segment leads, assign to relationship managers by territory and rule, plan sales campaigns, and track daily task activity with next-best-action guidance.
Loan servicing & collections
Run segment-based collection campaigns, route mismatches and exceptions to the right officer, and track resolution against SLA.
Wallet reconciliation
Upload wallet and biller reports, trigger an automated reconcile job, resolve mismatches through subprocesses, and confirm settlement — all on a daily cadence.
Digital onboarding
Guide new customers through identity capture, verification and approval, orchestrating every external check into one auditable journey.
Personal loan origination
Model the full personal-loan journey — application, scoring, human approvals and disbursement — as a versioned, rule-driven workflow.
SME loan origination
Handle multi-party, document-heavy SME applications with subprocess decomposition, quorum approvals and generated contracts.
Banking-ready by design
The controls regulators ask about are built into the platform, not bolted on per project.
Bank-grade security
Password policy, account lockout, full audit log and break-glass access — multi-tenant and company-scoped throughout.
OTP-secured approvals
Human steps support approve, reject, rollback, quorum and OTP verification so every sign-off is accountable.
Core integration
Reach Fineract, CIC, payment partners and more through the Custom API Builder and configurable connectors.
Composable by design
Every use case is assembled from the same primitives — no bespoke build, no core change.
Let's discuss your project
Our team of analysts and engineers will review your requirements and prepare a detailed estimation. We ensure strict confidentiality from day one.
Fast response
Our representative will contact you within 24 hours to schedule an initial consultation.
Strict confidentiality
We keep full confidentiality for all clients, with an NDA signed before discussing details.
Send us an email
For project inquiries, partnerships or technical questions, reach out to our team directly by email. We aim to respond to all inquiries within one business day.
contact@jitsinnovationlabs.com"Our experts are ready to transform your vision into a world-class fintech reality."