Autonance is an intelligent, AI-powered web application that streamlines financial services like loan applications, e-mandate setups, KYC verification . With role-based access for Customers, Banks, and Admins, Autonance ensures a seamless and secure user experience using cutting-edge technologies.

1. Authentication:
   Customers sign in using Google OAuth.

2. KYC Verification:

   • On first login, users must submit Aadhaar and PAN card images.
   • OCR models (using Tesseract and OpenCV) extract and validate the information.
   • KYC verification is processed manually by Admins within 1–2 business days.
   • ML insights assist admins in verifying authenticity.

3. Chatbot Support:

   • New users are guided using a chatbot powered by Mistral LLM, FAISS, and Sentence Transformers.

4. Post-KYC Features:

   • View transaction history from aggregated customer accounts with graph analytics.
   • Apply for loans from any bank (linked or unlinked to their account).
   • Loan purposes are customizable.

5. Loan Approval:

   • Loan applications are reviewed by the selected bank.
   • Evaluated using a Loan Prediction ANN model (trained on 2005–2017 dataset) and user CIBIL score.

6. Notifications:

   • Users receive real-time SMS updates via Twilio, powered by Kafka-based event-driven architecture.

7. e-Mandate Setup:

   • After loan approval, customers must set up an e-mandate with one of their bank accounts.
   • Once approved by the bank:
     • Loan is disbursed.
     • Repayments are auto-deducted on mandate dates.
   • Warnings issued for insufficient balance.
   • Banks may take legal action after a threshold of missed payments.

• Loan Application Review:
  • Approve or reject applications using ML predictions & user credit history.
• Mandate Validation:
  • Accept or reject customer mandates.
• Risk Assessment:
  • Analyze repayment behavior using aggregated account data.

• KYC Verification:
  • Review extracted OCR data.
  • Use ML insights to assist decision-making.
  • Approve or reject verification status.

• 🔐 Google OAuth Authentication
• 🧠 AI-Powered Chatbot for customer support
• 📄 Automated KYC with OCR and ML-assisted verification
• 💳 Aggregated multi-bank transaction history visualization
• 🧾 Intelligent loan prediction with ANN
• 🔁 e-Mandate Setup and Auto Payment System
• 📬 Kafka-based event notifications with Twilio
• 👮 Admin dashboard for verification and compliance