HORA.AI

Hora.AI was started in New Delhi to solve an age-old problem: lending. India is in the midst of meteoric economic growth, with the middle class growing at double-digit rates. However, the banking system hasn’t kept up. 79% of the population doesn't have credit scores, preventing truly creditworthy people from getting bank loans. Hora.AI is a fintech that specializes in developing a credit engine. It builds an Android application to provide credit and personal cash loans to 100M skilled blue-collar workers in India. The company is driven to offer a massive transformation in the Indian financial system. It utilizes alternative data to assess creditworthiness and give cash loans at low-interest rates to deserving, skilled workers.