From credit underwriting to investment management - unify data, automate workflows, and drive faster, more accurate decisions with AI-led platforms.
Trusted by Global Leaders
Explore CART, Genesis, MyConCall, and HawkEye — each purpose-built for a distinct financial workflow, all sharing one AI intelligence layer.
CART is an AI-driven underwriting and loan decision engine for banks, NBFCs, and digital lenders, leveraging 900+ financial signals, real-time analytics, and explainable AI to enable faster approvals, lower risk, and scalable credit operations.
CART enables instant, explainable credit decisions using multi-dimensional financial and behavioral signals.
Extract and structure insights from bank statements to assess income, cash flows, and financial behavior.
Real-time anomaly detection, round-trip flags, and identity verification - $100M+ in losses prevented.
Automatically generate Credit Appraisal Memorandums (CAMs) with AI-extracted financial summaries, risk scores, and decision rationale.
Combine multiple risk signals into a single, actionable decision layer for lenders.
Leverage India's Account Aggregator framework to access verified financial data securely and in real time.
Genesis is an AI-powered investment management platform designed for AMCs, PMS, AIFs, and wealth managers, enabling end-to-end fund operations, compliance, and investor lifecycle automation.
Automate core fund operations including valuation, accounting, and investor reporting across asset classes and fund structures.
Simplify regulatory reporting with automated filings, real-time dashboards, and audit-ready data pipelines.
Deliver seamless onboarding, reporting, and communication with investors through integrated digital workflows.
Track performance, risk exposure, and early warning signals with advanced analytics and scenario modeling.
Handle complex fund structures, capital calls, and investor allocations with precision and automation.
Connect custodians, brokers, banks, and internal systems into a single data layer.
MyConCall is a secure, AI-powered video interaction platform built for financial institutions & corporate sector to enable compliant borrower, investor, and customer engagement across the lifecycle.
Enable secure, real-time identity verification for borrowers and investors with full audit trails.
Conduct recorded, structured meetings integrated with lending workflows for better credit decisioning.
Streamline investor onboarding with compliant workflows, documentation, and communication tools.
Capture and analyze every interaction using AI to generate transcripts, sentiment insights, and action items.
Ensure every interaction meets regulatory requirements with secure storage and audit-ready records.
Embed MyConCall into LOS, LMS, CRM, and onboarding systems to make video interactions part of core workflows.
HawkEye is Novel Patterns' real-time portfolio surveillance engine — continuously monitoring borrower health, flagging early stress signals, and delivering actionable risk intelligence to prevent defaults before they happen.
Detect borrower stress weeks before default using continuous monitoring of financial and behavioural signals.
ML-powered models that predict NPA risk at borrower and portfolio level with high precision and explainability.
Track borrower cash flow patterns, account behaviour, and transaction anomalies continuously post-disbursal.
Unified risk intelligence dashboard giving lenders a real-time view of their entire loan portfolio health.
Rule-based and AI-driven collections triggers to initiate the right action at the right time for each borrower.
Generate RBI-compliant SMA reports, audit trails, and portfolio risk summaries with one click.
Rapid deployment, zero disruption to your existing stack — purpose-built connectors and a structured onboarding process for both lending and investment platforms.
Pre-built connectors for 50+ core banking and fund administration systems. Go live in 2–4 weeks with zero disruption to operations.
REST APIs, webhooks, and low-code adapters that fit your existing CBS, LOS, LMS, or fund admin stack — no rip-and-replace required.
A structured onboarding team guides your institution from pilot to full production — with training, data mapping, and go-live support included.
"Novel Patterns reduced our loan processing time from 4 days to under 2 minutes. The explainability of every AI decision was critical for our regulatory team."
"The fraud detection module saved us over $5M in six months. Real-time alerts and round-trip detection are absolute game-changers for our lending operations."
"Genesis cut our fund reporting time by 60%. Regulatory compliance is now fully automated and our team focuses on portfolio decisions instead of paperwork."
"CART's AI credit engine helped us reduce NPA rates by 38% within the first quarter. The early warning signals are incredibly accurate and actionable."
"The onboarding was seamless — we went live in under 3 weeks. The team's domain expertise in BFSI made the integration feel completely effortless."
"MyConCall has transformed how we communicate with our investors. Automated reports, instant query resolution — our client satisfaction scores jumped 40%."
Research, perspectives, and deep dives from the Novel Patterns team.
How modern lenders are replacing static scorecards with 400+ signal AI models that learn, adapt, and explain every decision in real time.
Read Article →How Genesis transforms fund reporting, compliance monitoring, and investor communication for globally regulated investment entities.
Read Article →Parsing 24 months of transactions in seconds — how NLP and pattern recognition surface signals human review always misses.
Read Article →Schedule a live demo or send us a message - our team responds within one business day.
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