RepayPulse

RepayPulse is a mobile + web AI app for microfinance lenders to detect repayment risk before it becomes delinquency. It ingests repayment history, loan officer visit logs, SMS/WhatsApp outreach outcomes, and basic borrower cash-flow signals (e.g., seasonal income tags) to produce a simple “risk pulse” score and next-best action checklist. The app focuses on operational reality: low-connectivity field work, messy data, and limited staff time. Loan officers get daily prioritized follow-ups, templated messages in local languages, and a lightweight promise-to-pay tracker. Managers see cohort-level early warning dashboards, branch comparisons, and intervention effectiveness (what actually reduces arrears). It does not try to replace core banking; it plugs into existing systems via CSV/API and starts delivering value with partial data. The goal is fewer surprise defaults and more consistent collections without aggressive tactics.