Lokyata

About Lokyata

Lokyata is a financial technology company specializing in Lead to Loan Smart Decisioning for consumer installment lenders and other lending businesses where traditional credit scores fall short. The Company's mission is to apply responsible AI to expand credit access while strengthening lender performance. Lokyata's platform combines advanced AI and configurable workflows to optimize small-dollar lending from lead buy through credit decision. The suite includes Lead Buy, our AI-enabled identity, fraud, and lead recommendation product, and Bank Analyze, our AI-powered cashflow decisioning engine, both embedded within its configurable XRV3 platform. XRV3 has integrations with lead providers, Credit Reporting Agencies, Loan Management Systems, and Instant Bank Verification platforms to ensure seamless implementation and operational continuity for Lokyata’s customers. Built and refined on millions of real lending transactions over the past decade, Lokyata’s AI models power automated and agent-assisted lending at scale, helping lenders increase throughput, reduce first payment default, and improve loan ROI with transparency and control.