Top 5 Fintech Tools for Smart Lending in 2025

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What makes it stand out:
Credify focuses on alternative credit scoring, especially for thin-file borrowers. It uses AI to analyze digital footprints and transaction data beyond traditional credit bureaus—great for expanding lending to underserved segments.

Why lenders love it:
Zest AI uses machine learning to improve credit decision accuracy. It dives deep into thousands of data points to predict risk better than legacy scoring systems, reducing defaults and increasing approval rates

Why it’s popular:
FinBox offers a suite of APIs that pull bank statements, income proofs, and other documents with user consent. This lets lenders automate verifications and speed up loan approvals, especially in digital-first markets.

What makes it unique:
Tala’s mobile-first platform provides instant credit scoring and loan disbursal for underserved populations in emerging markets. Using smartphone data and bank records, it creates fast and fair lending decisions with minimal friction.

Why it’s a game-changer:
Pro Analyser streamlines bank statement analysis with lightning speed and precision. It automatically categorizes income and expenses, detects loan repayments, flags bounced cheques, and highlights suspicious cash transactions — all in minutes, not hours.
Perfect for fintech startups, NBFCs, and lenders looking to make data-backed decisions faster and smarter.