ETCITA

Company profile

ETCITA company profile

ETCITA is the AI financial OS for Central Asia, automating SME accounting to unlock an $11.8B credit gap via real-time, cash-flow-based risk scoring. It operates as a dual-sided platform: a Financial OS for small and medium enterprises (SMEs) and a Risk Engine for banks. For SMEs, ETCITA eliminates the "manual chaos" of bookkeeping by integrating data from fragmented sources - tax authorities (Soliq), e-invoicing systems (Didox), banking portals, and ERPs (1C) into a single, automated dashboard. Using proprietary AI policy agents, the platform automates up to 90% of reconciliation tasks and performs real-time compliance checks to protect businesses from "zero-tolerance" tax penalties. For financial institutions, ETCITA bridges the $11.8 billion credit gap by turning unscorable SMEs into bankable assets. Its Aorta engine normalizes disparate business telemetry into a transparent, lender-readable "Digital Passport," allowing banks to underwrite loans based on real-time cash flow rather than just physical collateral. Founded by a team of ex-Amazon and ex-Ericsson engineers, ETCITA is on a mission to digitize the SME economy and democratize access to capital across the region.