Lockitup uses Smartphones as tools to provide affordable, accessible and relevant financial products to individuals and small businesses that have traditionally been excluded from the mainstream financial products. Lockitup, an innovative AI driven risk management technology, digital collection platform & user behavior driven fraud prediction tool, provides answers to the most challenging questions financiers face, as they provide loans to the ‘New to credit’. Now billions of unbanked and underserved people can afford a new smartphone by paying in easy installments and accessing micro-loans by providing the same smartphones as a virtual collateral.