Our Vision
We are building a comprehensive financial and commercial ecosystem to provide affordable credit, free banking services as well as discounted purchases for BHARAT.
Why ANVI
India's estimated $1.5 trillion cash economy is primarily driven by blue collar workers whose income and expenditure is exclusively in cash. Due to the absence of data, formal credit systems are unable to underwrite small unsecured loans to this sizable market. Excluded from access to formal credit, they are forced to approach India's $1.1 trillion informal lending market which operates at usury rates.
ANVI delivers financial inclusion, economic empowerment and social upliftment to BHARAT - India's vast underbanked and unbanked population at the bottom of the pyramid that is currently not served by formal credit.
What We Do
Using AI powered deep-tech we envision
creating a tech-driven, personless financial
infrastructure across India, which will connect
underbanked individuals, retailers, SMEs and
formal lenders to provide free essential
financial and banking services as well as
affordable loans.
The easy-to-use, new-age platform will serve
to bridge an enormous divide between formal
finance and India's 400 million blue collar
workers who support a community of over
one billion Indians.
How We Do It
ANVI owns and operates India’s largest retailer-assisted mobile wallet platform servicing 220 million customers. Our banking and financial services ecosystem loads cash directly to customer prepaid cards that do not require smartphones or funded bank accounts.
Our growing network of 350,000+ retailers act as “bank branches” that assist customers in loading ANVI cards with cash and facilitate basic financial services such as withdrawals, deposits and payments at no cost.
We help retailers accept payments from ANVI cards using UPI and bypass fee-driven card systems. In the process, we collect customer data, feed it into our AI engines and combine it with proprietary behavioural AI credit tech to bring affordable credit to our customers from formal lenders.
Who We Are
ANVI is a team of serial entrepreneurs with
multiple successful exits, global financial
leaders, former bankers, ex-government,
behavioural psychologists, the world's
sharpest AI minds, compliance and regulation
experts as well as an amazing team of
technologists spread across India and the US
who are on a mission to bring the world more
equal opportunities through AI powered
innovation and a tech-driven payment ecosystem.
Our distinctive
competitive edge
A close relationship with 350,000 retailers who work as banktellers
Industry leading technology in data security and privacy
A distinguished board comprising of a former top banker and investor, renowned AML and anti-black money expert, illustrious career bureaucrat
Deep tech, AI and data expertise shared by a team of multiple IITians with over 10 years of strong banking, finance, AI/ML and FinTech experience
A distinguished advisory board of world renowned behavioural psychologists, Harvard and MIT professors and a former CEO of financial powerhouses J.P. Morgan and Sensei Bank.
The ANVI system is poised to eventually grow to include credit cards - an offering that will make it the first alternate system to ever offer low-interest, hassle free credit to cash-dependent households, enterprises and individuals in India.
Our first-of-its-kind banking system targets a billion Indians excluded from formal digital financial networks.
Frequently asked questions
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s