Digitap AI Solutions

Digitap connects to Indian credit bureaus so a lender sends one request instead of maintaining separate integrations. The call takes customer consent, identity details and the bureau you want, then returns the report in a machine-readable form. Digitap's own consumer score page runs on Experian data, and enterprise clients can request the bureaus their policy allows.

Raw bureau files bury the useful signals in long text blocks. The API performs bureau report parsing and returns accounts, credit limits, current balances, payment history, days past due and enquiry records as named fields. That structure is what makes credit report analysis repeatable across thousands of applications instead of depending on whoever reads the file.

Digitap builds scorecards around a lender's own portfolio rather than selling a single black-box score. Its alternate data suite exposes roughly 700 financial variables from bank data, and the device module reports more than 1,400 variables covering loans, cards, wallets and bill payments. A credit underwriting API call can return these alongside the bureau view, so risk teams can test weights before committing to a policy.

The credit report tells you how a customer has handled borrowed money. Bank statements show how money moves now. Digitap accepts statements through net banking, PDF upload or the Account Aggregator framework, then returns categorised transactions, balance trends, salary detection and bounce history. Lenders use the bank statement analysis API for income checks and for applicants who have little or no bureau history.

Digitap runs document and data checks on the files it receives. The bank statement module looks for signs of edited PDFs, while the device and SMS module surfaces fraud indicators that a report alone would miss. For a lender, that means a suspicious statement can be flagged before it reaches a credit decision, not after a loan has been disbursed.

Digitap holds ISO/IEC 27001, SOC 2 and ISO 22301 certifications, and it operates as a Sahamati-certified TSP for the Account Aggregator framework. Consent artefacts and audit trails travel with the data request. Lenders still need their own consent copy and grievance process, yet the vendor side gives auditors something concrete to review.