NPA Match Detection: How AI Stops Known Defaulters From Re-Entering the Lending System

AI-powered NPA Match Detection helps lenders identify high-risk applicants before a loan is approved.
The process begins with a centralized repository containing photographs and identity details from NPA accounts, written-off loans, fraud-tagged accounts, and previously rejected applications. Every new loan application is then analysed using two complementary AI engines.
The first engine performs facial matching, comparing the applicant's photograph with historical records. Even if the applicant changes their name or submits modified documents, facial recognition can identify matches with previously defaulted borrowers.