Platform Solutions

Complete EMI Device Security & Financing Platform

From device activation to payment recovery — every tool your retail and finance operation needs in one integrated platform.

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EMI Device Locking System

Our core technology uses a secure device agent installed at point of sale, enabling remote lock/unlock via encrypted cloud commands. Compliant with Android security guidelines and integrated with leading OEMs.

  • ✅ Remote device lock triggered automatically on EMI overdue
  • ✅ Customisable lock schedules — grace periods, partial locks
  • ✅ Secure OTA communication via encrypted cloud commands
  • ✅ Tamper-proof agent resistant to factory reset
  • ✅ Device displays custom payment instruction screen when locked
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EMI Device Locking

✅ Remote lock triggered on EMI overdue
✅ Encrypted OTA device commands
✅ Factory-reset proof agent
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Real-time Device Monitoring

Monitor every device in your portfolio in real-time. Get instant alerts for SIM changes, offline devices, or missed EMIs — keeping your financing portfolio always visible and secure.

  • ✅ Live device status dashboard for retailers & distributors
  • ✅ Location tracking and SIM change alerts
  • ✅ EMI due date countdown and payment tracking
  • ✅ Multi-device portfolio view with smart filters
  • ✅ Automated daily health reports via email/WhatsApp
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Real-time Monitoring

✅ Live portfolio dashboard
✅ SIM change & location alerts
✅ WhatsApp daily health reports
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Finance Partner Integration

Our enterprise-grade API layer connects seamlessly with your Loan Origination System or Loan Management System. Pre-built connectors available for popular platforms including Nucleus, C2FO, and more.

  • ✅ REST APIs for LOS/LMS integration (OpenAPI 3.0 spec)
  • ✅ Webhooks for real-time EMI status push notifications
  • ✅ Secure token-based authentication (OAuth 2.0)
  • ✅ Full sandbox environment for integration testing
  • ✅ Dedicated integration engineer assigned to your team
Request API Docs →
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Finance Partner API

✅ REST API + Webhooks (OpenAPI 3.0)
✅ Sandbox & production environments
✅ White-labelling available
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EMI Risk Management

Prevent defaults before they happen. Our machine learning models analyse payment patterns to score default risk and trigger early intervention — reducing NPA by up to 40% for our partner NBFCs.

  • ✅ AI-driven EMI default risk scoring per customer
  • ✅ Predictive alerts 7 days before potential default
  • ✅ Automated customer communication (SMS, WhatsApp)
  • ✅ Escalation workflows for field collection teams
  • ✅ Portfolio NPA analytics and management reporting
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EMI Risk Management

✅ AI default risk scoring
✅ 7-day early warning alerts
✅ NPA reduced by up to 40%
Technology Architecture

Enterprise-Grade Infrastructure

Built on cloud-native technologies with security, scalability, and reliability as first principles.

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AWS Cloud Infrastructure
Multi-region, 99.99% uptime SLA
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End-to-End Encryption
AES-256 for all device commands
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Firebase Cloud Messaging
Sub-second command delivery
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Android Device Agent
Tamper-proof system-level agent
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REST API + Webhooks
OpenAPI 3.0 specification
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Real-time Analytics Engine
Powered by ClickHouse
📄 Request API Documentation

Start Using My EMI Locker Today

Free onboarding · Dedicated support · 48-hour activation · No setup cost.

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