ezee.ai

What ezee.ai does

ezee.ai, legally EPIKInDiFi Software & Solutions Pvt. Ltd., is a Chennai-headquartered SaaS company founded in 2017 (rebranded from EpikIndifi in 2024) that sells an AI-powered, no-code digital lending platform to banks, non-banking financial companies, payments banks, small finance banks, regional rural banks, and credit unions. The platform is built as a unified, microservices-driven, cloud-agnostic stack covering the full credit lifecycle through four core products: lend.ezee for loan origination, decision.ezee for credit decisioning with SHAP explainability, lms.ezee for loan management, and collect.ezee for agentic AI-driven debt collection, supported by identify.ezee for KYC/Video KYC and process.ezee for enterprise automation. The company claims 135+ pre-built integrations to credit bureaus, identity providers, payment rails, and core banking systems, with 25+ lending products live across 10+ countries.

The platform's differentiation rests on agentic AI architecture (12 pre-built agents that hand off context across stages), sub-100ms credit decisioning, multimodal identity verification at claimed 99.7% accuracy, and a no-code builder enabling business teams to configure loan products, policies, and workflows without IT involvement. Reported operational outcomes include 30% lower NPAs, 70% faster decisions, 60-80% reduction in turnaround times, and an average 28-day go-live. Revenue is generated through enterprise SaaS subscriptions (with SaaS, Cloud, On-Prem, and Hybrid deployment options) sold via direct enterprise sales and strategic partnerships; pricing is quote-based and not publicly disclosed. The company has reached 100+ customers, holds ISO/IEC 27001:2022, ISO 9001:2015, SOC 2 Type II, and GDPR-ready certifications, and is actively pushing into credit unions globally via its WCUC 2026 Platinum Sponsorship.

Name

ezee.ai

Legal name

EPIKInDiFi Software & Solutions Pvt. Ltd.

Website

https://ezee.ai

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

ezee.ai is an India-headquartered SaaS company selling an AI-powered, no-code digital lending platform covering origination, decisioning, servicing, and collections to banks, NBFCs, RRBs, and credit unions across 10+ countries.

Ownership category

akta.pro rank

Headquarters

HQ city

Chennai

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscription: Cloud-based subscription model for accessing the digital lending platform. Includes platform fees, implementation support, and ongoing maintenance. Deployment options include SaaS, Cloud, On-Prem, and Hybrid configurations.

Go-to-market motion3 records

Distribution channels1 record

Marketing channels13 records

Core offering

ezee.ai is a SaaS company offering an AI-powered, no-code digital lending platform that spans the full credit lifecycle — from loan origination (lend.ezee), credit decisioning (decision.ezee), loan management (lms.ezee), to debt collection (collect.ezee). The cloud-agnostic, API-first platform is deployed at banks, NBFCs, credit unions, and financial institutions across 10+ countries, with 135+ pre-built integrations and 12 autonomous AI agents orchestrating the lending workflow.

Product overview

ezee.ai is an AI-powered, no-code digital lending platform built as a unified ecosystem of interoperable products spanning the full credit lifecycle from origination to collections. The platform consists of four core lending products—lend.ezee for loan origination, decision.ezee for credit decisioning, lms.ezee for loan management, and collect.ezee for debt collection—supported by identify.ezee for KYC/VKYC and process.ezee for enterprise process automation. All products share a single data layer, unified policy engine, and no-code builder, enabling banks, NBFCs, and credit unions to configure workflows, eligibility rules, and AI agents without developer involvement. The platform supports 25+ lending products and operates across 10+ countries with 135+ pre-built integrations.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 30% lower NPAs through continuous learning AI
• +5 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration28 records

AI capability11 records

Feature8 records

Partnerships

One partnership is on record.

• Fino Payments BankcoreStrategic or Co-development Partner · 1 June 2026Strategic partnership with Fino Payments Bank to implement AI-enabled systems for its transition into a Small Finance Bank. The initiative aims to enhance lending capabilities, operational efficiency, and customer experience as part of Fino's broader digital transformation strategy. Fino reported that loan referral disbursals nearly tripled to Rs 210 crore driven by the partnership with Ezee.ai.

Scale indicators9 records

Recent moves13 records

Expansion highlights6 records

Direct peers

• nCino: Cloud-native banking and lending platform purpose-built for banks and credit unions. Highly comparable to ezee.ai's unified origination-to-collection stack with an explicit credit union go-to-market, and the closest direct competitor in the no-code AI lending category.
• Mambu: Cloud-native core banking and lending SaaS serving NBFCs, digital banks, and lenders globally. Comparable to ezee.ai on composable lending architecture and SaaS delivery to financial institutions across multiple geographies.
• Perfios: Indian fintech SaaS providing credit decisioning, income/identity verification, and lending automation to banks and NBFCs. Closest India-based peer to ezee.ai on AI-driven credit decisioning and bank/NBFC segment.
• Lentra: India-based digital lending SaaS offering loan origination, credit decisioning, and collections for banks and NBFCs. Directly comparable on product scope (full-stack digital lending), target customer base, and AI-led automation.
• Newgen Software: Indian-listed BPM and loan origination software vendor serving banks, NBFCs, and financial institutions globally with content services and process automation. Comparable on LOS, KYC, and enterprise process automation stack.
• Nucleus Software: India-based lending and transaction banking software provider (FinnOne) serving banks and NBFCs across multiple geographies. Comparable on lending lifecycle products and bank/NBFC customer base.

Broad incumbents

• Finastra: Large global financial software vendor covering core banking, lending, and treasury with FusionLaserCred and related LOS products. Competes broadly with ezee.ai's lending stack within much larger bank deployments.
• Temenos: Global core and digital banking platform with integrated lending modules (Temenos Loans). A broader incumbent that competes on enterprise lending for banks and credit unions.
• HighRadius: AI-powered finance and collections automation SaaS for enterprises, including Order-to-Cash and collections. Comparable on the collections / receivables side (collect.ezee) of ezee.ai's lending stack.

Emerging players

• Decimal Technologies: India-based digital lending and loan origination platform serving banks and NBFCs. Comparable niche focus on LOS for Indian financial institutions with similar AI-enabled automation.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ezeelending
• YouTubeyoutube.com/@ezee.ai.2023
• LinkedInlinkedin.com/company/ezeeai
• Instagraminstagram.com/ezee_platforms

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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 ezee.ai