Clutch.AI was born at Khosla Labs to solve problems at incubated startups, such as Novopay. Our first project was to build an AI enabled Credit Rating Engine for Kiraana Owners working with Novopay. Since many of them were not High School graduates, and most of them didn't have CIBIL scores, we leveraged hundreds of data sources, including Kiraana transactions, online indicators, public… · More records, POS meta-data, etc. Since we got to work with several banks, we realized that machine learning isn't used by a lot of banks since it's not interpretable. We developed a Zero Code interpretable machine learning workbench that can be used across industries to quickly see relationships in and predict future data with an API that can simply be plugged in to web or other software applications. Leveraging this tool, we built an AI enabled real-time fleet management solution that tracks Novopay's network of ~800 sales people and distributors, managing their retail network of over 50K locations.