Finqy.aiFINQY.aiQ Growth Pilot

Workspace

Information

What Finqy and Q actually are, how the growth engine's pieces fit together, and where a human still holds the pen.

Finqy and Q, in brief

  • Founded2019 · Mumbai, India (legal entity E-Revbay Pvt. Ltd.)
  • PresenceIndia, UAE (finqy.ae), Oman
  • What Q isWorld's 1st AI-powered Personal Finance Manager — advisory software, not a card or a bank
  • What Q doesChecks CIBIL score, lowers EMIs, consolidates loans, compares cards and loans, shows eligibility
  • Credit reports pulled25K+ (published)
  • Customers10K+ (published)
  • EMIs reduced18K+ (published)
  • Interest saved for customers₹2.5 Cr+ (published)
  • DSA Bank GuaranteeUp to 150% of a partner's earned commission receivables
  • Car Par LoanLoan against your car, up to 200% of the car's value, without losing ownership

Finqy is an intelligence-led financial services distribution company: Q is the consumer side (check credit score, lower EMIs, see loan and card eligibility), and the FINQY partner app is the DSA / agent side, earning commissions on credit cards, personal loans, business loans, auto loans, home loans and insurance — backed by a Bank Guarantee covering up to 150% of a partner's earned commission receivables.

How the growth engine works

  1. 01

    Brand ingest

    The engine crawls finqy.ai once, extracts the tone, product facts, the approved claim set and the published numbers, and builds a brand kit every downstream agent reads from — nothing about lending partners or rates is invented.

  2. 02

    Creative generation

    Copy, imagery and video are produced per platform against that kit for both audiences: consumers running a free credit report on Q, and DSAs / advisors evaluating the partner app — never generic templates, never claims outside the approved set.

  3. 03

    Launch and spend

    Campaigns are created directly in the connected Meta, TikTok, Google and X ad accounts with naming conventions and tracking already applied, split between the consumer funnel and the partner-recruitment funnel.

  4. 04

    Conversation

    Leads are scored and routed to the Voice, WhatsApp or SMS agent — the bureau explainer, EMI-consolidation, card-match, Car Par Loan, insurance or DSA-onboarding agent as appropriate — all sharing the same brand voice model and the same product facts.

  5. 05

    Feedback

    Outcomes flow back into scoring, dayparting, creative rotation and prompt defaults, so the next week starts from what worked this week, for both the consumer and partner engines.

Compliance posture for credit marketing in India

  • Consent is captured before any pitch, and do-not-contact flags block outreach instantly across all three channels, including any further bureau pull.
  • Every bureau check is described with soft-pull wording; agents never say a hard inquiry occurred and never claim a check has 'no impact' beyond what soft-pull means.
  • No agent promises guaranteed approval, sanction or disbursal, and no agent quotes an invented interest rate or EMI figure — only indicative ranges tied to bureau band, with the exact number confirmed by the lending partner at sanction.
  • Only claims from the approved claim set can be generated, including the published numbers (25K+ reports, 10K+ customers, 18K+ EMIs reduced, ₹2.5 Cr+ interest saved); anything else is blocked before publishing.
  • Named banks or NBFCs are never used in creative or scripts — lending partners are referred to generically until compliance confirms named-partner copy.
  • Compliance confidence below 0.95 on rate, approval or consent language routes to a human reviewer rather than going live, or triggers a mid-call handoff.
  • Credit-dispute, legal and DSA-payout-dispute questions are always handed to a human agent.

Human checkpoints

  • Marketing lead

    Signs off the claim set, the monthly budget cap and any new published-number usage

  • Compliance reviewer

    Reviews held creative and any flagged call — rate, approval or bureau-consent language — within the hour

  • Sales manager

    Takes escalations, reviews the weekly coaching digest, and confirms DSA commission disputes

  • Partner operations

    Confirms KYC completion and the 150% Bank Guarantee terms before any partner's first payout

The 25K+ reports, 10K+ customers, 18K+ EMIs reduced, ₹2.5 Cr+ interest saved, the 150% Bank Guarantee and the 200%-of-car-value figure for Car Par Loan are Finqy's own published numbers. Every other figure in this workspace — lead counts, costs, funnel volumes, call scores — is illustrative for the Q Growth Pilot, not a real Finqy result. The voice caller and agent configuration are live.