Digitap

Overview

Digitap is an AI-powered end-to-end API platform designed specifically for banking, FinTech, and broader financial institutions. Built on the vision of becoming the planet’s leading provider of cutting-edge Artificial Intelligence and Machine Learning SaaS solutions for BFSI, Digitap enables organizations to digitize and automate customer onboarding, credit assessment, and risk management workflows. The platform is API-first and cloud-native, allowing financial firms to integrate powerful intelligence directly into their existing products and processes.

Digitap offers a comprehensive suite of products covering the entire customer lifecycle. The Onboarding Suite provides end-to-end APIs for digital onboarding, including Digital KYC, OCR and validation of KYC documents, and Video KYC for remote identity verification. The Alternate Data Suite helps lenders assess creditworthiness using unconventional data sources such as bank statements, device data, e-commerce behavior, social media activity, and telecom data. Digitap is also a certified TSP (Technical Service Provider) for Account Aggregators, offering an FIU module with integrations to all Account Aggregators and delivering essential variables for credit underwriting. In addition, the Expense Manager SDK gives clients access to customer expense data and generates personalized, contextualized insights for cross-selling financial products.

Digitap's solution is engineered for speed and accuracy. It is a plug-in API solution that enables faster integrations and time-to-live, with a dedicated project team supporting each launch. The platform processes large volumes with best-in-market execution speeds and high accuracy rates, while remaining cost-efficient and scalable—from handling a few thousands to hundreds of thousands of customers with minimal disruption. Advanced automated risk management scorecards are built from network, SMS, social media, e-commerce, and cash-flow data, allowing financial institutions to evaluate customers more precisely and make data-driven decisions.

Trusted by over 500 clients, Digitap has demonstrated strong performance with 3x revenue growth and 99% customer satisfaction. The platform adheres to global security and reliability standards, including ISO/IEC 27001 for information security, SOC2 for service organization controls, and ISO 22301 for business continuity management. With its robust AI/ML capabilities and compliance certifications, Digitap is a reliable technology partner for digital transformation in banking and financial services.

Core capabilities

Onboarding Suite

End-to-end APIs for digital customer onboarding including Digital KYC, OCR, KYC document validation, and Video KYC.

Alternate Data Suite

Assesses creditworthiness using alternate data sources such as bank statements, device data, e-commerce data, social media data, and telecom data.

TSP for Account Aggregator

Certified TSP providing an FIU module with integrations to all Account Aggregators and variables necessary for credit underwriting.

Expense Manager

SDK that enables clients to access customer expenses and delivers personalized, contextualized insights for cross-selling products.

Bank Statement Analyzer

Extracts and analyzes bank statement data to support income verification and credit decisioning.

Data Enrichment APIs using Mobile

Mobile-based data enrichment APIs that enhance customer intelligence and verification workflows.

Automated Risk Management Scorecards

AI/ML-driven scorecards leveraging network, SMS, social media, e-commerce, and cash-flow data for accurate risk evaluation.

Security and Compliance

Certified to ISO/IEC 27001, SOC2, and ISO 22301, ensuring high standards of information security and business continuity.

Use cases

Digital customer onboarding and Video KYC verification

Credit underwriting using alternate data sources

Account Aggregator (AA) integration and financial information user (FIU) processing

Bank statement analysis for loan eligibility assessment

Expense-based cross-selling of financial products

Automated risk scoring and fraud detection for BFSI

Mobile data enrichment for customer verification and intelligence