Reference solutions
Decisioning workflows, cited and audited
Each reference solution is the same engine pointed at a specific high-volume decision: it reads the documents, grounds its reasoning in your policy, returns a structured decision with citations, and escalates anything uncertain to your reviewer. Vihaya is pre-revenue — these are reference architectures with design-partner pilots open, not delivered case counts.
Banking & NBFCs
- Banking · NBFCLoan underwritingReads application, bureau, income proofs, and policy — outputs a cited approve / decline / refer decision with an audit chain.Read more
- Banking · NBFCAML alert reviewTriages transaction-monitoring alerts against typologies and customer context, clearing false positives with cited rationale.Read more
- Banking · NBFCKYC onboardingParses identity documents, checks them against policy and watchlists, and routes the doubtful cases to a human.Read more
- Banking · InsuranceFraud detection reviewAugments scoring models with an agent that reads the case file and explains why an event looks fraudulent — or doesn’t.Read more
Insurance & healthcare
- Health insuranceClaim adjudicationReads the claim, the policy, and the clinical guidelines — adjudicates against coverage rules with every clause cited.Read more
- General insuranceClaims FNOL intakeStructures first-notice-of-loss from messy multi-channel input, classifies the claim, and flags fast-track vs investigate.Read more
- HospitalsDischarge summary draftingDrafts the discharge summary from the EHR record for clinician review — never auto-finalised.Read more
Cross-industry
Next step
See a reference solution in your environment
30-minute discovery call. We follow up with a draft SOW shortly after.
Talk to us about a pilot