What DigiAlly does

DigiAlly is a Singapore-headquartered B2B fintech that operates an AI-powered Trust Score platform for SME credit assessment. Its core technology is a deep learning model that analyzes 150+ financial, non-financial, and business model data points to generate a portable, verifiable trust score and grade SMEs into four tiers (Bronze through Platinum), explicitly incorporating operational, market, and repayment-intent risk beyond traditional credit risk. The product surface is delivered in three modules: SME Due Diligence and Rating (onboarding scoring), Continuous Portfolio Monitoring (ongoing portfolio health assessment), and SME Evaluation (holistic health checks with social media and company summary signals).

The company serves three primary customer segments: (1) banks and non-bank financial institutions seeking to expand SME loan portfolios with pre-assessed borrowers and reduce NPAs; (2) SMEs across APAC that lack traditional credit scores (the company cites that less than 10% of SMEs have one) and need alternative-data-based credit access; and (3) digital platforms and marketplaces (e.g., Zyapaar, RupeeBoss, Simplyfi) that embed the trust score API to offer differentiated financial services to their SME user bases.

Revenue is generated through a hybrid model: recurring subscription fees for SME due diligence/rating and continuous portfolio monitoring services sold to financial institutions, plus usage-based API/platform fees charged to marketplace and digital partners. Distribution is anchored by a flagship partnership with Mastercard (Start Path alumni, top 5 of ~2,000 applicants), which refers DigiAlly into APAC banking and payment facilitator networks, complemented by co-marketing partnerships with Zyapaar, RupeeBoss, and Simplyfi. Pricing is not publicly disclosed. The company has raised $300K (Aug 2024) and operates with 11–50 employees across Singapore and Thane, India.

Name

DigiAlly

Legal name

DigiAlly

Website

https://digially.ai

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

DigiAlly is a Singapore-based B2B fintech that provides an AI-powered Trust Score platform for SME credit assessment, serving banks, lenders, and digital marketplaces across APAC with subscription-based scoring, continuous portfolio monitoring, and embedded finance APIs.

Ownership category

akta.pro rank

Product category

SME Credit Scoring & Embedded Finance

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199), Services-Prepackaged Software (7372), Loan Brokers (6163)

akta.pro primary industry

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)

akta.pro secondary industries

SME Lending & Working Capital Platforms (FSAGAJAA), SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

Keywords

• SME credit scoring
• Embedded finance platform
• Trust score analytics
• AI credit assessment
• SME due diligence

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. SME Due Diligence and Rating: DigiAlly evaluates SMEs during onboarding to calculate AI-powered Trust SME scores. Financial institutions pay for access to curated, pre-assessed SME customers that meet their risk appetite and lending criteria, reducing their loan processing costs and time while expanding their SME loan portfolio.
2. Continuous Portfolio Monitoring: Ongoing portfolio health assessment for financial institutions, providing real-time insights and risk monitoring for their SME loan books. Supports NPA reduction and portfolio optimization, likely billed on a subscription or per-portfolio basis.
3. API / Platform Access Fees: Partners (marketplaces, digital platforms) integrate DigiAlly's trust scoring via API to offer differentiated financial services to their SME customers. Revenue is generated through platform usage and transaction fees embedded in the partner ecosystem.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

DigiAlly is a Singapore-based fintech company that provides an AI-powered Trust Score platform for SME credit assessment. The platform enables financial institutions to perform SME due diligence, generate AI-based credit ratings, and conduct continuous portfolio monitoring through an embedded finance infrastructure.

Product overview

DigiAlly offers a unified Trust Based Embedded Finance Platform consisting of three core product modules: SME Due Diligence and Rating, Continuous Portfolio Monitoring, and SME Evaluation. The platform powers the AI-powered Trust Score system, which analyzes 150+ financial, non-financial, and business model data points to grade SMEs from Bronze to Platinum. These products work together to enable financial institutions to make faster, cheaper, and better lending decisions, covering the full SME lifecycle from onboarding through portfolio management and collections. DigiAlly's 'embedded trust' approach distinguishes itself by prioritizing non-financial parameters and assessing borrower intent to repay, going beyond traditional credit models.

Differentiator

Problem solved

Functional benefit

Products and services

• Trust Based Embedded Finance Platform An AI-driven embedded finance platform that enables financial institutions and lenders to assess SME creditworthiness through a Trust Score framework, integrating credit decisioning into their existing workflows.
• SME Due Diligence and Rating An AI-powered due diligence and credit rating service that evaluates SMEs by generating credit risk ratings, intended for banks, lenders, and financial institutions underwriting SME credit.
• Continuous Portfolio Monitoring A monitoring service that continuously evaluates and re-scores SME borrowers within a lender's portfolio, providing ongoing risk visibility for financial institutions.
• SME Evaluation An evaluation module that assesses SME financial health and risk profile using AI-driven analytics, designed to support lenders' credit underwriting processes.

Quantifiable outcome

• Clients have grown their SME business multi-fold in a short period of time with low cost, high speed, and significant reduction in NPA (non-performing assets)
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature5 records

Partnerships

Six partnerships are on record, tiered flagship and core.

• MastercardflagshipStrategic or Co-development Partner · 1 January 2023Mastercard partnered with DigiAlly to assist entrepreneurs in the Asia Pacific (APAC) region with credit access. Together, they introduced an AI-based solution for potential lenders to assess SME lending risks using alternative data, helping SMEs overcome hurdles in providing traditional financial documentation. Mastercard refers DigiAlly to its extensive network of banking customers, merchants, and payment facilitator partners. DigiAlly is also a Mastercard Start Path alumni company, selected as one of the top 5 from approximately 2,000 applicants for the inaugural SMB cohort in 2023.
• RupeeBosscoreGTM or Marketing PartnerRupeeBoss.com, India's preferred destination for retail, SME and credit card loan products, partnered with DigiAlly to offer financial advisory and AI-powered Trust scores to MSMEs under one roof. The partnership enables RupeeBoss to differentiate its offerings by integrating DigiAlly's trust scoring, directly addressing underserved MSME credit markets.
• ZyapaarcoreGTM or Marketing PartnerZyapaar, India's largest B2B marketplace for buyers, sellers, and service providers, partners with DigiAlly to offer AI financial solutions to its SME sellers. The partnership aims to improve credit scoring and promote financial inclusion, bridging gaps in underserved markets by integrating DigiAlly's trust scores and financial solutions into Zyapaar's marketplace ecosystem.
• SimplyficoreGTM or Marketing PartnerSimplyfi partners with DigiAlly to elevate embedded finance solutions through trust scoring and banking automation. The partnership combines DigiAlly's AI-powered trust scores with Simplyfi's banking automation capabilities to deliver comprehensive embedded finance solutions to SMEs.
• Singapore Management University (SMU)coreStrategic or Co-development PartnerDigiAlly graduated from the SG Government-approved Singapore Management University's Business Innovations Generator (BIG) Program under IIE in 2023. The SMU partnership provides access to academic resources, innovation frameworks, and Singapore's fintech ecosystem. DigiAlly also maintains an office at SMU Connexion.
• Zoth.iocoreGTM or Marketing PartnerZoth.io is a client of DigiAlly, using DigiAlly's proficiency in research and data interpretation to support decision-making in SME lending. DigiAlly delivered solutions within a swift turnaround time, utilizing a combination of technological innovation and human expertise. A letter of recommendation from Zoth.io's LinkedIn post highlights DigiAlly's commitment to collaborative projects in SME lending.

Scale indicators5 records

Recent moves2 records

Expansion highlights6 records

Emerging players

• FinBox: FinBox provides embedded lending infrastructure and alternative-data credit scoring for digital lenders and platforms in India/Southeast Asia. DigiAlly's API-first embedded finance scoring for marketplaces overlaps directly with FinBox's digital lending enablement stack.

Direct peers

• Perfios: Perfios provides financial data aggregation, credit decisioning, and analytics APIs to banks and lenders across India and emerging markets. DigiAlly's API-first trust scoring serving FIs and marketplaces directly overlaps with Perfios's decisioning and underwriting stack.
• Zest AI: Zest AI builds machine-learning credit underwriting models for lenders, emphasizing explainable AI. DigiAlly's deep-learning Trust Score for SME credit assessment is functionally analogous to Zest AI's model-based credit decisioning for lenders.
• Provenir: Provenir is an AI-powered risk decisioning platform for fintechs and banks, supporting credit underwriting through configurable models and alternative data. DigiAlly's continuous portfolio monitoring and AI scoring overlap directly with Provenir's decisioning and portfolio analytics capabilities.
• Karza Technologies: Karza offers data, verification, and credit analytics APIs for Indian lenders and fintechs. Both companies operate API-first credit infrastructure that enables lenders to assess borrowers, though Karza focuses more on identity, bureau, and verification data.
• CreditVidya (Lendingkart group): CreditVidya is an India-based credit assessment and alternative-data underwriting platform serving lenders, very similar in function to DigiAlly's Trust Score. Both sell alt-data credit decisions to financial institutions targeting under-served SME/retail borrowers.

Regional players

• Lendio: Lendio is a US-based SME lending marketplace connecting small businesses with multiple lenders. While geography differs, Lendio's marketplace-plus-score model parallels DigiAlly's partner-led SME lending enablement across marketplaces and lender partners.

Broad incumbents

• Upstart: Upstart applies AI/ML on alternative data to underwrite consumer and small-business credit. DigiAlly competes in the same alt-data credit decisioning category with a focus on SMEs and APAC, making it the closest conceptual peer despite Upstart's US-centric consumer orientation.
• Experian (SME/Decisioning): Experian is a global credit bureau and analytics provider with SME/business credit data and decisioning products. It competes broadly with DigiAlly in furnishing lenders with credit information and is the incumbent most likely to be displaced (or partner with) alt-data entrants.
• TransUnion CIBIL (India SME): TransUnion CIBIL is the dominant credit bureau in India and offers SME/business credit reports and scores to lenders. It is the incumbent whose 10%-only credit-score coverage DigiAlly explicitly attacks in its messaging.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DigiAlly