What challenges did OkCredit face before AI implementation?

Manual bookkeeping for credit transactions was time-consuming and error-prone. A single-machine setup became unstable as log volume and traffic increased. The company needed scalable analytics to inform underwriting and credit lending.

What was the impact of the AI solution?

Reported 52% year-on-year engagement growth between 2020 and 2021. By the end of 2021, the value of transactions recorded on the platform reached $50 billion. Processes large amounts of data points daily without hiccups. Supports more than 2.7 million customers every month.

Source

GCP

OkCredit digitized bookkeeping and credit lending platform using BigQuery

Use case typeRisk assessmentUpdated Jun 13, 2026

OkCredit is an Indian bookkeeping company for micro and small businesses that helps merchants manage credit accounts and record payments digitally. The company moved to Google Cloud to support growth, improve stability, and scale its platform for millions of monthly customers. It uses BigQuery to analyze transaction and behavior data for user insights and underwriting models that support lending services.

Organization: OkCredit
Industry: Finance
Location: India
Published: January 2024

Reported outcomes

+52%

quantified impactCustomer experience

Strategic outcomes

Better decisions & insightImproved underwriting and lending insightsScale & capacityScaled platform for millions of customersCustomer experience & trustDigitized bookkeeping for merchantsSpeed & agilityHandled high data volumes reliably

Catalog median for customer experience deployments: +69% across 99 reported metrics. Compare benchmarks →

Primary read

Use case focus

Showing 3 of 3

1Platform modernization
2Analytics
3Underwriting

Manual bookkeeping for credit transactions was time-consuming and error-prone.
A single-machine setup became unstable as log volume and traffic increased.
The company needed scalable analytics to inform underwriting and credit lending.

Migrated containerized workloads to Google Kubernetes Engine.
Moved asynchronous processing to Google Cloud Pub/Sub.
Used BigQuery to store and analyze transaction and behavior data for insights and underwriting model development.
Relied on managed database automation and cloud infrastructure to reduce DevOps overhead.

Technologies

Google Kubernetes Engine Google Cloud Pub/Sub BigQuery Cloud SQL

Reported 52% year-on-year engagement growth between 2020 and 2021.
By the end of 2021, the value of transactions recorded on the platform reached $50 billion.
Processes large amounts of data points daily without hiccups.
Supports more than 2.7 million customers every month.

Architecture

OkCredit runs containerized workloads on Google Kubernetes Engine, uses Google Cloud Pub/Sub for asynchronous transaction messaging, stores and analyzes transaction and behavior data in BigQuery, and relies on managed database automation to reduce operational overhead.

Sources & evidence1

Groundedness: 4/5Type: Customer StoryPublished: Jan 1, 2024Publisher: Google CloudEvidence: PrimaryConfidence: High

Primary source

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Customer evidence