MapmyIndia, ClarityX launch Geo-FI AI platform for lending risk and collections

MapmyIndia and AI-driven data analytics company ClarityX on Monday announced the launch of Geo-FI, a geo-intelligence platform designed to help banks and financial institutions use location data in lending decisions.

The companies described Geo-FI as India’s first comprehensive geo-intelligence stack for lending. The platform is designed to add location-based intelligence across the lending lifecycle, including market expansion, customer verification, underwriting and collections.

Geo-FI combines MapmyIndia Mappls’ digital maps and location technology with ClarityX’s analytics and AI capabilities to help lenders assess borrower risk and identify lending opportunities based on geographic context.


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“Geo-FI is designed to bridge this gap by adding a Geo Intelligence layer for the lending lifecycle in a secure way,” Rohan Verma, joint managing director, MapmyIndia Mappls, said.

Rather than requiring lenders to replace their existing technology systems, the platform is designed to integrate with existing loan origination systems (LOS), loan management systems (LMS), customer relationship management (CRM) and collections platforms.

It can be integrated through APIs, software development kits (SDKs) and spatial visualisation tools. Geo-FI can also be deployed on-premises, in hybrid environments or on the cloud, allowing financial institutions to choose deployment models based on their security and compliance requirements, the companies said.

How Geo-FI uses AI and location data in lending

The platform has three main components — Geo-Analyse, Geo-Check and Geo-Collect — covering expansion, underwriting and collections.

Geo-Analyse is designed to help lenders identify high-potential and underserved markets. It combines lender data with geocoding, address intelligence, points of interest (POIs), demographic and affluence data and micro-geography to identify locations that could offer expansion opportunities.

The companies said this could allow lenders to target underserved but potentially creditworthy markets rather than relying solely on conventional geographic boundaries such as PIN codes.

Geo-Check focuses on underwriting and customer verification. It converts incomplete or unstructured addresses into geographic coordinates and uses GPS coordinates and address matching for customer profile verification.

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The platform also uses granular geo-fenced risk information to help lenders assess locations at a street or locality level instead of automatically excluding entire PIN codes, according to the companies.

Geo-Collect, meanwhile, is aimed at improving loan collections. It uses geo-tagged field visits, field feedback, delinquency heatmaps and spatial analytics to help lenders identify areas with higher delinquency and prioritise collection efforts.

The platform is also designed to continuously learn from customer interactions and field activity. Geo-tagged visits, verification outcomes and field feedback can feed back into the system, with AI-driven workflows identifying emerging risk clusters and recommending collection priorities.

“Geo-FI represents the convergence of spatial intelligence and lending technology stacks,” Rakhi Prasad, co-founder, ClarityX, said.

The companies said the platform is intended to make location more than a static address field in a loan application by using geographic context as an input into decisions around growth, risk and collections.