Snapshot of sample output

How we achieved accuracy of over 90% after reading 800+ transactions

At Inkredo, we perform flow-based credit assessment to determine the monthly repaying capacity of a customer. Our customers are small & underbanked retailers who are running a bootstrapped and consistently profitable business, yet they remain excluded from formal credit. Formal institutions have shied to lend to lower-middle income group because the cost-benefit analysis of lending and collections do not offset the cost of originating and recovery. There is no cost-effective measure to monitor income/solvency and ensure timely repayment.

The assessment involves calculating useful analysis from the bank statement of our customer. This task requires copy pasting every transaction from the…

Photo by airfocus on Unsplash

One of the most common traits you will find in successful companies is regular product updates. A trait that requires the discipline of proper planning. In this article, we will be covering how we improved sprint planning and meet targets at Juvoxa by introducing RFCs in the process.

What is an RFC?

An RFC, short for Request for Comment, is a document designed to help team members propose a solution to a problem and get feedback on that proposal. An RFC is used to drive clarity and consensus.


Not having an RFC in the planning process results in the developers thinking of a solution…

Something that is untested is broken.

This is part 1 of our multi-part series on how we do product testing at Juvoxa. In this part, we will be discussing the API testing process.

This is how testing was done at Juvoxa

  1. Code
  2. Deploy
  3. Test
  4. Bug? Go to step 1

Sounds like something you also do? Test Driven Development (TDD) is usually sacrificed in favour of faster and regular deployments. This is a cost that many chose to bear and later regret once it goes out of control. Yes, it is understandable to make that tradeoff at the start as manpower…

A Proof-Of-Concept for a real-time personal virtual trainer for physiotherapy exercises.

Pose estimation on a woman doing jumping jacks

Physiotherapy treatments are usually long-running as it takes time to restore a person’s movement. One has to perform the same set of exercises for a few months every day with the correct posture to regain the movement. Visiting a physiotherapist for every session can be pretty expensive and not everyone can afford that. Those who do the exercise at the comforts of their home have to make sure to get the posture and movement right.

This project is an attempt to create a system using computer vision that can guide, provide instant feedback and act as a personal virtual…

A lending company needs the answer to just one question when giving loans, “Will the borrower be able to repay the loan?”.

Coming to a binary (yes or no) answer to that question involves a lot of work (both manual and automated). Lending companies go through various financial documents of the borrower and perform a thorough analysis to come to a conclusion. With the advancements in artificial intelligence and machine learning, some companies have been able to reduce the time to approve a loan to a day (but don’t share the percentage of bad loans probably because OCR systems are…

Deploying the version one of an app to production for the first time is never a walk in the park. We too faced obstacles when deploying the backend of 91paisa (written in Go) on Amazon Web Services (AWS) Elastic Beanstalk. After multiple trials and support from the AWS Support, we finally deployed the initial version of 91paisa. This article will help you if you too are figuring out how to deploy your Go web app on AWS Elastic Beanstalk.

You can deploy Go web applications on AWS Elastic Beanstalk in a couple of ways:

  1. Uploading the source code
  2. Uploading the…

Samkit Jain | Backend Engineer at

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