Empowering Bharat with Accessible Credit Solutions

Welcome to Viva , a fintech platform dedicated to revolutionizing access to on-demand credit for the underserved and the informal employment segments of Bharat. Through our innovative approach, leveraging technology, a proprietary Credit Risk model, strategic partnerships, and the power of network effect, we strive to break down barriers and empower individuals to achieve their goals and dreams.

Leveraging Technology for Impact

At Viva, we leverage technology to drive positive change and empower our customers. Central to our platform is a proprietary Credit Risk model that goes beyond traditional bureau records to assess creditworthiness. By analyzing a wide range of alternative data points, including family composition, transaction history, and behavioral patterns, we are able to provide a more comprehensive and accurate assessment of risk. This allows us to extend credit to individuals and businesses who may have been overlooked by traditional lenders, unlocking new opportunities for financial inclusion and economic empowerment.

Strategic Partnerships: Driving Collaboration and Innovation

Viva understands that collaboration is key to achieving our mission of financial inclusion. That's why we actively seek out strategic partnerships with banks, financial institutions, government agencies, and other stakeholders who share our vision and values. These partnerships enable us to expand our reach, access new markets, and leverage complementary strengths and resources. Together, we work towards common goals, driving innovation, and creating lasting impact in the communities we serve.

The Power of Network Effect

One of the most powerful aspects of Viva's platform is the network effect. As more individuals and businesses join our ecosystem, the value proposition grows stronger for everyone involved. Each new member contributes to a growing pool of data and insights, enhancing our ability to assess risk and tailor solutions to meet the needs of our customers. Moreover, a thriving community fosters collaboration, peer-to-peer support, and knowledge-sharing, creating a virtuous cycle of empowerment and prosperity.

Convenience, Speed, and Ease of Access

At Viva, we understand that speed and convenience are essential, especially for those in the informal employment sector. That's why we have designed our platform to offer convenience, speed, and ease of access to on-demand credit. Our user-friendly interface allows customers to apply for credit in minutes, and access their Credit Lines hassle-free as and when they need it. This eliminates the need for lengthy paperwork, collateral, or waiting periods, enabling individuals to access the funds they need when they need them most.

Join Us on Our Journey

We invite you to join us on our journey to redefine financial inclusion in Bharat. Whether you're an individual in need of financial support, a Banking Correspondent looking to offer more Credit options to your customers, or a Lending partner interested in collaborating, there's a place for you at Viva. Together, let's build a future where access to credit knows no boundaries, and everyone has the opportunity to thrive.

Welcome to Viva – where innovation meets empowerment.