AI underwriting platform that reads borrower documents, detects fraud, and drafts credit memos for lenders in emerging markets.
Kita provides an end-to-end AI underwriting stack for lenders in emerging markets and underserved US communities. Kita Capture uses vision-language models to extract data from GCash, M-Pesa, payslips, and local document formats with line-level validation. The AI Credit Officer engages borrowers via WhatsApp, SMS, or email in 14+ languages to collect a complete file. The AI Underwriter checks for fraud and drafts a credit memo with every claim cited to its source document. Lender teams retain final decision authority. Kita is a product of Kita.