Kita

Jonathan Scanzi, Rhea Malhotra, and Carmel Limcaoco looked at lending in emerging markets—where paperwork is still king and verification takes weeks—and said "we can fix this." Kita turns documents into signals for lenders, parsing bank statements, invoices, payslips, and whatever else borrowers throw at them to make lending decisions in minutes instead of months.

Emerging markets lending is a massive opportunity hidden in plain sight. We're talking about billions of people who are credit invisible—not because they don't deserve loans, but because nobody can verify their income or assets without drowning in paper. Kita's document intelligence extracts, verifies, and structures data from messy PDFs and images, giving lenders the signals they need to say yes or no. No more manual underwriting. No more fraud.

If you're a lender operating in Asia, Africa, or Latin America, Kita is probably already on your radar. They call it document intelligence, but really they're building the underwriting infrastructure for the next billion borrowers.