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Project Setu

Project Setu is an adaptive, hybrid AI routing system engineered for microfinance institutions (MFIs) in emerging economies.

Code Video Cerebral Valley

Core trick

Normalizes SMS logs, ledger photos, and voice notes into one schema, then routes each borrower to a scoring path matching the available inputs.

Tags

financevisionvoice

Description

Project Setu is an adaptive, hybrid AI routing system engineered for microfinance institutions (MFIs) in emerging economies. The platform empowers MFI field officers to instantly assess the creditworthiness of unbanked, informal-sector borrowers using messy, unstructured, and multi-modal inputs—such as SMS transaction logs, handwritten ledger photos (daybooks), and conversational voice notes.
tanaysinha1607/Setu★ 01 forksPythonCreated Jul 11, 2026 · last push Sep 20, 2026

README excerpt

# Project Setu: Adaptive AI Credit Risk Routing for Microfinance (MFI)

[![Setu Banner](https://img.shields.io/badge/Setu-Adaptive--AI--Routing-indigo?style=for-the-badge&logo=google-gemini)](file:///d:/Desktop%20Data/ML/Projects/setu/Setu/project_overview.md)
[![Python Version](https://img.shields.io/badge/python-3.10%20%7C%203.11%20%7C%203.12-blue?style=flat-square&logo=python)](file:///d:/Desktop%20Data/ML/Projects/setu/Setu/backend/main.py)
[![React Version](https://img.shields.io/badge/frontend-React%20%2B%20Vite%205-cyan?style=flat-square&logo=react)](file:///d:/Desktop%20Data/ML/Projects/setu/Setu/frontend/package.json)

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## 🌟 About the Project

**Project Setu** ("Setu" meaning *bridge* in Sanskrit) is an adaptive, hybrid AI routing system engineered for microfinance institutions (MFIs) in emerging economies. The platform empowers MFI field officers to instantly assess the creditworthiness of unbanked, informal-sector borrowers using messy, unstructured, and multi-modal inputs—such as SMS transaction logs, handwritten ledger photos (daybooks), and conversational voice notes. 

Setu is built on a **hybrid Edge-Cloud architecture**:
- **Local Layer:** Lightweight, privacy-preserving, and offline-capable extraction of financial metrics from SMS records using a localized **Gemma 4 E4B** model running via `llama.cpp` on the edge.
- **Escalation Engine:** An anomaly-detection router that flags low-confidence or high-risk cases and seamlessly escalates them to cloud-hoste

Team