GreyLabs AI

AI credit underwriting for banks in emerging markets.

GreyLabs AI is an AI platform for banks and financial institutions in emerging markets, focused on automating credit underwriting and risk assessment using alternative data sources alongside traditional financial data. In markets where large portions of the population lack formal credit histories, conventional credit scoring models are insufficient — GreyLabs addresses this by incorporating non-traditional data signals to assess creditworthiness more accurately and inclusively. The platform is built for the regulatory and data environment of emerging markets, including compliance with RBI (Reserve Bank of India) requirements, and targets mid-market and enterprise financial institutions in those geographies. It uses proprietary AI models developed for the specific characteristics of emerging market credit risk.

Compliance

RBI compliance SOC 2

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Key Features

Alternative data credit scoring: Incorporates non-traditional data signals — such as mobile usage patterns, transaction behavior, and other alternative sources — to assess creditworthiness for applicants without formal credit histories.
Automated underwriting workflow: Processes loan applications and produces risk assessments and decisioning recommendations, reducing the manual review burden on credit teams.
Proprietary risk models: Uses AI models built specifically for emerging market credit risk profiles, which differ meaningfully from the data distributions that models trained on developed-market data assume.
RBI compliance alignment: Built with the Reserve Bank of India’s regulatory requirements in mind, relevant for the Indian banking institutions that make up a core part of its target market.
Enterprise integration: Designed to connect with the core banking systems and loan origination platforms operated by banks in its target markets.

Use Cases

For banks extending credit to underserved populations: A bank in India or another emerging market wants to extend credit to first-time borrowers or those without formal credit bureau history — GreyLabs’ alternative data models enable risk assessment where traditional scoring cannot.
For financial institutions scaling lending operations: A growing lender needs to increase loan processing volume without proportionally expanding its underwriting team — GreyLabs automates the risk assessment workflow to support that scale.

Pricing MODELS

Enterprise

Pricing Summary

GreyLabs AI uses a custom enterprise pricing model. No self-serve tiers or publicly listed prices are available — pricing is determined through direct engagement with the company.