KarmaLifeAI
Pragya Pandey is a software engineer with experience at companies like KarmaLifeAI and Mphasis, where Pragya was part of the Goldman Sachs client team. Prior to this, Pragya worked as an SDE at Cultpick and as a content developer at Clinikk. Pragya studied Bachelor of Technology in Electrical, Electronics, and Communications Engineering at BABU BANARASI DAS NORTHERN INDIA INSTITUTE OF TECHNOLOGY from 2014-2018. During their time at JSpiders, a Training & Development Center, Pragya learned Java, Springboot, MySQL, and a bit of AWS.
KarmaLifeAI
KarmaLifeAI is an AI-powered digital solution for the financial well being of blue-collar gig workers and micro-business. The company allows the user to pay directly for key expenditures and smoothen their consumption patterns. It offers real-time access to credit for gig workers, based on their payroll account, through partnerships with thedigital platforms they work for. It operates an interest-free subscription model in which the platform or the gig worker can pay a flat fee and access credit equalling up to one-third of their monthly income. The company analyzes alternative data points and payment behavior over time to unlock higher credit lines for the workers.