FundKosh
01 / 06
⚡ AI ENGINE ACTIVE
🛡️ ON-DEVICE SQLITE
🇮🇳 DPDP ACT 2023 COMPLIANT

FundKosh

AI-Guided Financial Inclusion for India’s Underbanked Workforce

The Paradox of Frictionless Finance

Digital convenience has amplified financial volatility for India’s 12M+ gig workers.

01. THE REALITY

Irregular Income & Frictionless UPI

India's 12M+ gig workforce receives highly variable, digitally-disbursed payouts.
Zero-friction UPI removes the Pain of Paying. Digital money feels invisible, especially after 10-hour exhaustion shifts.
02. THE IMPACT

Impulse Spending & Systemic Risk

The erasure of physical spending boundaries drives impulse purchases on non-essentials.
Leads to high-effort manual workarounds or missed critical fixed obligations like rent and vehicle EMIs.

The Digital Cash Envelope

Shifting from passive dashboards to active, payment-moment interventions.

STEP 1

Income Lands

Digitally disbursed irregular income enters.

STEP 2 • AUTOMATED

Automated Partitioning

System digitizes manual cash envelope habit instantly.

STEP 3

Everyday Transactions

Standard daily UPI payment journey.

STEP 4 • INTERCEPT

Behavioral Intercept

Active, payment-moment interventions.

Personalized: Nudges based on actual payout cycles.
Trustworthy: Retains the Sunita Test; user retains override rights.
Actionable: Guidance delivered as a single concrete step.

An Intelligent Financial Bodyguard

Seamlessly integrating predictive friction and automated savings.

PARTITIONING

Inbound Payout Partitioning

Ring-fences fixed obligations securely on a local ledger the exact moment a payout lands.

Auto Ring-Fencing Active
SPEED-BUMPS

Checkout Speed-Bumps

A 3-second, dismissible reflection screen triggered for discretionary spending that jeopardizes fixed bills.

3s Reflection
MICRO-SAVINGS

Round-Up Micro-Savings

Automatically sweeps spare change into an interest-bearing Flexi-RD once INR 100 is reached.

NEAR INR 100 THRESHOLD ₹82 ACCUMULATED
VOICE AI

Multilingual Agentic AI

Voice-first, plain-language assistant restricted to educational/informational financial queries.

Privacy-First, Edge-Computed Architecture

Protecting user autonomy through a highly localized data strategy.

BANK RAIL

Regulated Rail

Bank / UPI / NPCI

🔒 LOCAL LEDGER
CORE ON-DEVICE ENGINE

The Edge Device

On-Device Processing (SQLite)

Proprietary risk-scoring, personal transaction ledgers, and behavioral prediction models run entirely on user's phone. Latency <300ms. Compliant with DPDP Act 2023.
Resilience: Designed to fail open — if connectivity drops, transactions proceed without delay.
NO PII / ANONYMIZED
CLOUD LLM

Cloud Services

Commoditized AI (Bhashini STT/LLM)

Go-To-Market Strategy

A phased approach to drive adoption and build trust in underserved communities.

PHASE 01

Strategic Partnerships & Pilots

  • Collaborate with local MFIs & Credit Unions for trusted entry points.
  • Conduct closed-loop pilot programs to refine product market fit.
  • Gather initial user feedback & performance data.
PHASE 02

Targeted Community Acquisition

  • Deploy localized marketing campaigns with community leaders.
  • Offer incentives for early adopters & referrals.
  • Focus on specific user segments with fixed obligations.
PHASE 03

Scaling & Ecosystem Integration

  • Expand to broader geographies & larger financial institutions.
  • Integrate with major UPI & banking platforms for wider reach.
  • Leverage AI assistant for personalized engagement at scale.