AkikoPay uses smart technology to simplify credit decisions — offering clear comparisons, unbiased advice and better choices for your financial future. We're not a lender. We're the algorithm that finds you the right one.
From Akiko Global Services to AkikoPay — our journey is built on innovation, trust, and the conviction that credit decisions should be smarter, simpler, and fairer for everyone.
Akiko was incorporated as a private limited company. The name Akiko in Japanese means &quos;a glistening child&quos; — and we set out to live up to that, growing and learning every day. Started with a paid-up capital of ₹2,00,000 and an authorized share capital of ₹10,00,000.
Within two years, we'd built lender partnerships with almost every major private and government retail bank in the country. The trust we earned during this phase is what made everything that followed possible.
We committed to building proprietary algorithm-based technology that could analyse credit profiles across multiple sources — data and technology innovations as the foundation for everything we'd do next.
Launched a consumer-facing credit comparison platform built on our proprietary algorithm. It gathers data from multiple sources, draws insights on creditworthiness, and surfaces unbiased side-by-side offers — opening up real choice for borrowers.
Layered AI on top of the comparison engine — surfacing personalised credit card, loan and investment recommendations based on your actual spend patterns. Crossed 25 million consented customers across 50+ Indian cities.
AkikoPay is now India's AI-powered financial super platform — credit cards, loans, credit scores, payments, travel and rewards in a single, RBI-compliant ecosystem. 40+ banking partners. 25M+ customers. And we're just getting started.
We combine cutting-edge technology with strong values to deliver transparent, secure, and reliable financial solutions you can count on.
To advance a work culture that encourages individual development, solidarity and innovation — equipping our team to overcome challenges and accomplish ambitious goals. We back ideas, talent and the work that builds the future.
To become India's largest asset-financing platform tomorrow — a mission we began with the smallest dream yesterday. Every match, every approval, every disbursal moves us one customer closer to that goal.
Customer trust and integrity. Excellence and customer value. Fair practices and transparent processes. These aren't just words — they're the filter every product decision passes through, every single day.
AkikoPay is powered by Akiko Global Services Limited (formerly Akiko Global Services Private Limited) — an algorithm-based technology platform that gathers and analyses individual credit data from multiple sources to assess creditworthiness, past performance and current standing.
This data-led approach gives users the ability to compare multiple loan and card offers side-by-side, get unbiased advice, and ultimately make a choice rather than have one made for them. It also helps us identify customers who are low on risk and high on promise — opening up opportunities they may not have known existed.
Our scaling strategy combines new-age tech-enabled agility with deep banking relationships. We push each application to multiple lenders, increasing the chances of approval, and give customers the final pick. Everything runs on a CRM built exclusively for Akiko, with the ability to integrate with external CRMs and APIs — a flexibility most aggregators don't offer.
Four reasons we're not just another comparison site — we're a financial platform you can actually trust.
Our proprietary engine analyses your profile across multiple sources to find lenders most likely to approve you — not just any lenders.
We're not paid by individual banks to push their products. You see real, comparable offers ranked by what's best for your profile.
One application gets pushed to multiple lenders simultaneously. More chances of approval, better rates, and you pick the winner.
Bank-grade 256-bit encryption. Soft credit checks that don't impact your score. Full RBI compliance. Your data, your control.
Check your eligibility in 30 seconds, see real offers from 40+ lenders, and pick what's actually best for you. No fees from us, ever.
Safety note: AkikoPay will never ask you to make a payment anywhere outside our secure website. Do not transfer money to any bank account or wallet, or share your card or banking details with anyone claiming to operate on our behalf. We do not lend on our own and do not charge any fee from our customers. Credit score and analysis are powered by Experian.