An agentic Ecosystem for Financial Services
Seamlessly deploy, orchestrate, and scale AI agents to automate operations, optimize workflows, and enhance enterprise efficiency with effortless AI and cloud integration.
Our Agents at a glance
Pinakyne AI delivers a full suite of agent plugins, enabling seamless, end-to-end enterprise automation.
AI reasoning for complex workflows
Pinakyne's AI reasoning engine allows you to create complex workflows that can be used to automate your business.
AI reasoning for complex workflows
Select an agent from the sidebar
Choose one of the workflow agents from the sidebar to view its dashboard and manage its tasks.
Workflow Automation
Automate complex workflows with AI-powered agents that handle repetitive tasks.
Data Processing
Extract, analyze, and process data from various sources with high accuracy.
Talk to AI Voice Agents
Sales, Debt Collection, and Customer Support agents are ready to help you.
AI Credit initiation & control
Self-learning creditpolicy optimization system
Document scanning and retrieval
With our blazing fast, state of the art, cutting edge, we are so back cloud servies (read AWS) - you can deploy your model in seconds.
Credit Risk Management Policy
SECTION 1: GENERAL PROVISIONS
1.1 This Credit Risk Management Policy ("Policy") establishes the framework for evaluating and managing credit risk across all lending operations. The Policy aims to maintain a high-quality credit portfolio while ensuring compliance with regulatory requirements and risk appetite limits.
SECTION 2: CREDIT ASSESSMENT CRITERIA
2.1 All credit applications must undergo comprehensive evaluation based on the following criteria:
- Credit History Assessment
- - Minimum credit score requirements
- - Payment delinquency analysis
- - Length of credit history
- Financial Capacity Evaluation
- - Income verification and stability
- - Debt service coverage ratio
- - Asset and liability assessment
SECTION 3: RISK MITIGATION
3.1 The following risk mitigation measures must be implemented:
- Portfolio diversification across sectors
- Regular stress testing and scenario analysis
- Continuous monitoring of credit quality indicators
SECTION 4: REGULATORY COMPLIANCE
4.1 All lending activities must comply with applicable regulations, including but not limited to:
- Capital adequacy requirements
- Risk-based pricing guidelines
- Fair lending practices
AI-Powered Risk Analysis Report
EXECUTIVE SUMMARY
The AI system has analyzed the credit policy framework and identified optimization opportunities based on historical performance data and current market conditions.
KEY FINDINGS
- Policy Effectiveness Analysis:
- - Current approval rate: 82% (Target: 75-85%)
- - Default rate: 2.1% (Below industry average)
- - Risk-adjusted return: 14.3% (Above target)
- Market Context Integration:
- - Sector-specific risk trends identified
- - Macroeconomic indicators incorporated
- - Competitive landscape analysis
- Recommended Policy Adjustments:
- - Increase DTI threshold by 2% for high-score segments
- - Implement dynamic pricing based on risk profile
- - Enhanced early warning system for portfolio monitoring
IMPLEMENTATION STRATEGY
The proposed policy adjustments should be implemented in phases:
- Phase 1: System updates and staff training
- Phase 2: Pilot program for selected segments
- Phase 3: Full rollout with monitoring framework
RISK CONSIDERATIONS
The AI system continuously monitors and adjusts for:
- Market volatility impacts
- Portfolio concentration risks
- Regulatory compliance requirements
Our Features at a Glance
Autonomous systems incorporating proactive decision making.
Pinakyne assigns different roles to AI agents (e.g., Researcher, Analyst, Communicator, debt collector) and enables them to interact via APIs and plugins. These agents can work together on complex workflows by sharing information and collaborating on tasks.
Agents integrate with your existing systems
Plug and play with your existing systems.
External Data Sources
CRMs, ERPs, Databases
Intelligent API Gateway
Authentication, Rate Limiting, Routing
AI Processing Layer
Data Transformation, Enrichment
Business Applications
Insights Delivery, Automated Actions
Supported Protocols
All ActiveWorkflows assistants
Agent based workflows to help you with your business.
Highly Customizable
Pick your LLM, be it opensource or proprietary, we support all of them.
Add LLM
Add
Groq LLM
23rd March
Llama 3
21st March
OpenAI GPT-4o
3rd May
DeepSeek R1
1st April
Claude 200k
2nd June
Continuous Learning
Agents observe, learn, and act based on feedback loops, constantly adapting to shape their behavior for future interactions.
AI Learning Progress
Deploy in minutes
With our blazing-fast, state-of-the-art, cutting-edge cloud-based services, you can deploy selected services in your own environment within seconds.












70%
Cost Reduction
Lower operational costs through AI automation
100%
Automation
End-to-end workflow automation with AI agents
<1min
Processing
Lightning-fast task execution and response
We integrate with your existing tools
Our agents use Model Context Protocol (MCP), to seamlessly integrate with your existing systems to provide real-time, context-aware interactions, enhancing customer engagement and operational efficiency.








Meet Our Team

Aditi Chatterji
Founder & CEO
Aditi is an AI and deep learning expert with a strong background in Gen AI and fintech, bringing 10 years of experience across global markets. She has worked with KPMG, HSBC, Wizely Inc., and MortgageKart, developing AI-driven solutions for risk assessment, deep reinforcement learning, and scalable AI architectures. An IISc alumna, DAAD scholar, and Stanford LEAD participant, she is passionate about transforming financial ecosystems with AI.

Bhavna Taneja
Co-founder
Bhavna is a seasoned digital and AI transformation executive with over 20 years of experience, most recently leading over $500M in sales at Google and driving 20% YoY growth in Southeast Asia’s AI-powered app ads business. With 8+ years managing high-performing global teams at top tech firms, she excels in strategic partnerships and revenue acceleration. Bhavna has successfully boosted conversion rates by up to 10X across finance, retail, e-commerce, and travel sectors through AI-driven strategies. At Google, she advised major banks and fintech firms, implementing pioneering initiatives like financial onboarding journeys, AI maturity models, app conversion frameworks, and a comprehensive Direct-to-Consumer practice..
We prioritize your customers' security above all.
Our platform is built with enterprise-grade security and compliance at its core.

GDPR
We securely process your data and ensure clear GDPR-compliant rights.

HIPAA
We securely process medical data with HIPAA-compliant handling for privacy and confidentiality.

SOC 2
We follow robust standards for information processing, data retention, and access control.
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