Digital Lending


Drop in man hours


Reduction in cost



  • Leading peer-to-peer marketplace
  • Connecting lender to borrowers
  • Operating in a highly regulated industry
  • Multiple payment and bank accounts to collect & disburse payments
  • Proprietary transaction tracking system
  • Multiple business verticals
  • Manually managing finance operations
  • Revenue leakage and overpayments
  • Issue in auditing & compliance
  • 97% reduction in man hours
  • 60% reduction in cost with 100% accuracy
  • Complete automation of the finance operations
The Kosh product is very intuitive. We found the learning curve to be really short. The product automated the finance operation processes holistically. It can ingest data from our proprietary order management system, multiple payment gateways, banks, etc.. We can easily track revenue leakage and overpayments.

A leading peer-to-peer (P2P) lending marketplace connects lender to borrowers. It uses multiple channel partners to accept payments and disburse payouts. A growth phase startup, the company utilises several payment gateways as well as multiple bank accounts. It tracks all transactions through an internal order management system.


The finance operations team was facing significant challenges with manual operations. Specifically, as their scale was growing, the team was finding the process to be extremely time-consuming and lacking in accuracy. Additionally,

the team was struggling with a lack of visibility and reporting, leading to challenges with auditing and compliance. Also, there were concerns around data security given the company was operating in a highly regulated industry.


To address these issues, the company implemented Kosh to completely automate their finance operations. Kosh started by automating reconciliation and bringing centralization for payment and payout operations. It reduced the

cycle and reporting. time, making the process completely accurate and error-free. Consequently, the system also significantly reduced the time needed to audit. The product was deployed in native cloud of the company, thus improving the security of data.


Kosh led to a 97% reduction in man-hours and 60% reduction in cost. The Kosh product automated the whole process starting from the payment to the settlement to the payout stage. The product is scalable, removing any bottleneck as the company continues to grow and expand.

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Case Studies

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