Raj Koneru

The future of lending means moving beyond adding isolated systems toward building a fully connected, unified ecosystem. With M2P's Core Lending Suite, lenders can now modernize their operations, leverage faster GTM, reduce NPAs and delinquencies, & ensure quick disbursements. Swipe through to see how a unified technology can transform complexity into clarity and drive scalable success. #UnifiedLending #Integration #M2PFintech #M2P

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At CloudWalk, Artificial Intelligence powers nearly every layer of our business — not as a feature, but as a foundational capability. We’ve built and deployed a comprehensive AI stack that enhances operations, boosts customer experience, and drives real impact in financial services. AI-powered customer support Our LLM-based agents resolve a large share of customer and internal inquiries autonomously. They rely on structured workflow graphs, real-time knowledge retrieval, and a dual-agent system that handles both conversation and action. The result is faster, more accurate support that scales. LLMs in production We use language models far beyond traditional chat use cases. They assess credit by analyzing unstructured data, detect fraud in transaction descriptions and customer messages, and enable our Merchant Vector Space — a novel way to model and understand merchant behavior and relationships. Fraud detection at scale Our three-layer system detects fraud in real time, over time, and across relationships. Transactional models decide in milliseconds. Behavioral models uncover suspicious usage patterns. Relational models analyze networks to identify fraud rings and coordinated attacks. Dynamic credit scoring Our proprietary scoring models constantly retrain on customer behavior, giving us a real-time view of creditworthiness. We also integrate non-traditional data sources to evaluate thin-file and underbanked users — enabling financial access where legacy systems can’t. User lifecycle modeling We use machine learning to personalize every step of the customer journey. From marketing optimization and churn prediction to lifetime value modeling, our systems help us target the right users and serve them with precision. Evolutionary computation Inspired by natural selection, we use genetic algorithms to optimize models across generations — evolving features and parameters to find high-performing configurations quickly and efficiently. Geospatial analysis We incorporate location-based insights to shape product design, marketing, and service delivery. Our geospatial systems help teams understand regional behavior and tailor experiences to local realities. Graph networks By modeling data as networks, we identify non-obvious relationships that improve fraud detection, community insights, and decision intelligence. These graph structures unlock a deeper layer of understanding across our ecosystem. The Consciousness Project Our forward-looking R&D initiative explores what’s next in AI. We simulate sensory input, agency, and subjective experience in LLMs — pushing the boundaries of Artificial General Intelligence and preparing for what’s coming. We’re not just applying AI. We’re building a smarter, more adaptive infrastructure for the future of financial services. Learn more about how we’re doing it at cloudwalk.io/ai

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Outdated payment systems were slowing down schools and students—Meadow set out to change that. Powered by Finix, Meadow’s modern payment platform is driving real results: ✅ 47% increase in on-time payments ✅ $120M TPV run rate across dozens of campuses Read our latest blog on how Meadow transformed their business and improved the student financial experience: https://lnkd.in/gSK9CtaM #CustomerStory #HigherEdPayments #PaymentsInnovation #BuiltWithFinix

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🚀 Transform HELOC Processing with AI-powered Tavant Touchless Lending®!   Tavant’s Touchless Lending® HELOC leverages advanced AI to go beyond automation, delivering transformative results for lenders:   ✔️ 4.5x increase in loan underwriting capacity ✔️ 42% decrease in operational costs ✔️ 50% faster processing times   In today’s dynamic mortgage market, AI isn’t just a luxury—it’s the key to staying competitive. Tavant combines the power of AI with seamless workflows to help lenders deliver exceptional borrower experiences with unmatched speed, accuracy, and efficiency.   📄 Want to learn more? Download the whitepaper by Hemanthkumar Jambulingam to see how AI and Touchless Lending® are transforming HELOC processes: https://bit.ly/4gMfnat   #Tavant #TouchlessLending #AI #HELOC #MortgageAutomation #Innovation #CustomerExperience

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API connectivity revolutionized U.S. Bank's client onboarding and experience. "Instead of handing a client a 100-page file specification and saying 'good luck,' now it's a different conversation entirely,” says Kasi Eagle. 🚀 Highlights: Instant ERP integrations Diverse payment types Seamless, real-time bank connectivity 💡 MISSED THE LIVE SESSION? Watch BCaaS in Action: APIs Driving Success now: https://lnkd.in/etBsfckM

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SMBs need flexible funding, but many solutions still don’t address their real challenges. Our very own Anchit Singh explains how embedded lending—and Fundbox—are bridging the gap. Read the Tearsheet feature: https://lnkd.in/egACi2pT

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As digital commerce grows, businesses must strategically assess whether developing their own payment systems, adopting external orchestration platforms, or blending both approaches best addresses increasing payment complexity and supports scalability. Read here: https://lnkd.in/gi2kDqaM -with Yuno Chee (SheueChee) Beh #fintech #payments #financialservices

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Is your financial institution struggling with outdated legacy systems? Our latest blog explores how a leading FI partnered with Onix to modernize their data infrastructure, break down silos, and unlock data-driven innovation with Google Cloud. Our customers have found solutions by: 📆 Legacy assessment and planning: Deep analysis of the existing data landscape to understand data lineage and metadata. 🧑‍💻 Code conversion and modernization: Automated conversion of legacy code for GCP and modernization of the data model. 🎯 Accuracy and validation: Rigorous testing post-migration to ensure data accuracy. 📊 Data consumption migration: Seamless migration of application and user data consumption to GCP. 📈 Continuous modernization: Creation of a roadmap for ongoing migration and modernization of data warehouses. 🦅 ETL migration proof of concept: Successful POC for migrating ETL processes to Azure, showcasing multi-cloud expertise. 🧑‍⚖️ Establishing data governance: Implementation of a data governance and validation environment on Google Cloud using BigQuery and Dataplex, with Collibra for data quality management. Discover the journey from high costs and limited agility to a future powered by AI and advanced analytics! Read the full story: https://bit.ly/4jtorCv #FinancialServices #DataModernization #CloudMigration #GoogleCloud #AI #DataGovernance #Onix

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Are you ready to revolutionize your financial institution's payment strategy? Dive into our latest #FinTalk blog post to learn about: - The benefits of instant payments - Strategic approaches to implementation - Real-world examples and insights Read more here. https://jkhy.co/3S1aCzi

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