Kowtha: Field Verification Where No Report Changes Quietly, in Daily Use Since 2025
The problem
Before a loan is paid out, Kowtha checks the borrower in person: identity, address, business and collateral. Requests arrived by email and were typed in by hand. The field verification itself ran on paper forms and on photos sent over messaging apps. Turnaround was slow, the audit trail was thin, nothing stopped a report from being changed after it was sent, and billing was reconciled by hand at the end of every cycle.
Kowtha needed one system from request to invoice, where every visit leaves a record and no submitted report changes without anyone knowing.
Paper and messaging apps
- Loan requests typed in by hand from email
- Paper forms filled in at the visit
- Photos sent over messaging apps
- Slow turnaround on each verification
- Reports could change after submission with no record
- Billing reconciled by hand every cycle
One app, one portal
- Loan records created from request emails by NLP intake
- Assignments in a queue on the operator's phone
- Geotagged capture at the visit
- PDF verification reports generated in the portal
- Every change after submission goes through an edit request
- Invoices generated from the verified work
What we built
Email intake
An NLP service reads loan request emails, extracts the borrower and loan details, and creates the loan record automatically.
Field operator app
A React Native app with assignment queues, geotagged capture, and attendance and session tracking. New verification formats ship over the air, without an app store wait.
Verifier portal
Review queues for verifiers, with role-based access so each person sees only the work assigned to them.
Edit requests
Submitted data is locked. Any change goes through a request the verifier can see, so nothing is changed quietly after the visit.
PDF verification reports
Reports generated from the captured data and served, with the photos, from S3 and CloudFront.
What changed
- Production use since 2025
- Daily
- Identity, address, business and collateral
- 4 checks
- Changes after submission go through a request
- No silent edits
What we learned
The quieter risk in field verification is not a faked photo. It is a report changed after it was sent. That is why submitted data is locked and every later change is a request the verifier can see.
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Kowtha field verification platform
Request emails become loan records through NLP intake. Field operators capture geotagged evidence in the app, verifiers review it in the portal, and the same records produce the PDF report and the invoice. Submitted data is locked; a change goes through an edit request.
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