SeedsAI: Powering Financial Inclusion Through Humanistic AI

Financial inclusion in India has long been a challenge. Millions remain outside the formal banking system, struggling with access to credit, insurance, and financial advice. Traditional solutions—manual outreach, paperwork-heavy processes, and low-touch service—could never keep up with the scale of demand.

That’s where SeedsAI comes in. Founded by student entrepreneurs Shubham Khatri and Vansh Miglani, the company is reimagining financial access with AI solutions that combine empathy, intelligence, and scale. Their vision is simple but powerful: bring personalised financial services to underserved communities using the power of AI.

AI Solutions for Underserved Markets

The heart of SeedsAI’s innovation lies in AI business solutions tailored for inclusion. Instead of offering generic automation, the team has built AI voice bots that handle financial queries in real-time, with human-like understanding.

Unlike traditional customer service bots that frustrate users with rigid scripts, SeedsAI bots adapt, respond naturally, and resolve complex questions without escalation. This isn’t just about efficiency, it’s about trust.

Key Impact of AI Solutions in Finance:

1. Accessibility: People in rural and semi-urban regions can ask questions in their local language

2. Speed: Financial inquiries are resolved instantly without long waiting times

3. Trust: Conversations feel natural, with a voice that mirrors empathy rather than robotic replies

Humanistic AI: Going Beyond Transactions

SeedsAI’s defining trait is humanistic AI, a design philosophy that prioritises empathy and personalisation. The founders believe that financial engagement isn’t just about solving problems but making people feel understood.

By combining AI voice enhancer technology with natural language processing, SeedsAI ensures that users experience warmth and clarity, not cold automation. This makes the platform especially valuable for first-time financial users, who might otherwise be intimidated by formal institutions.

Why Humanistic AI Matters:

1. Personalisation: Adapts tone and responses based on user emotions

2. Inclusivity: Bridges gaps for those unfamiliar with banking jargon

3. Trust-building: Makes AI a partner in decision-making, not just a tool

Overcoming Challenges with Resilience

Like many startups, SeedsAI faced the hurdles of client buy-in and early-stage funding. Financial institutions were cautious about adopting AI-led services. But with $200K from Campus Fund and relentless perseverance, the founders pushed through.

Their mantra, “Dekhi Jayegi” (“We’ll see”), reflects their attitude toward uncertainty: embrace it, adapt, and keep moving forward. Rather than chasing hype or pivoting prematurely, SeedsAI doubled down on its core AI powered solutions, voice bots for financial inclusion.

SeedsAI’s Resilient Journey:

1. Challenge: Securing trust in a conservative BFSI industry

2. Response: Demonstrated measurable efficiency gains for clients

3. Result: Long-term partnerships built on proven impact

4. Financial Inquiry Simplified with AI

For underserved populations, financial jargon is often overwhelming. SeedsAI voice bots simplify financial inquiries, breaking down processes like loan eligibility, repayment schedules, or insurance terms into everyday language.

By acting as an AI voice translator, the system bridges language barriers across India’s diverse linguistic landscape. This makes banking not just accessible, but user-friendly.

AI Impact on Financial Inquiries:

1. Explains financial products in local dialects

2. Reduces dependence on branch visits

3. Empowers users with clarity and confidence

Technology Backbone: The Power of AI in BFSI

SeedsAI is not just another voice-tech company, it’s as much a fintech AI startup as it is a customer engagement solution. Its backend employs AI powered business solutions across multiple layers of BFSI operations:

SeedsAI Technology Stack:

1. Customer relationship intelligence: Analyses user queries for personalised follow-ups

2. AI workflow automation: Streamlines repetitive tasks in financial services

3. Machine learning: Improves accuracy with every interaction

4. AI business transformation: Helps institutions scale without scaling costs

This infrastructure ensures that SeedsAI can grow while maintaining the same high-quality experience across millions of users

Building a Business with Impact

Unlike startups chasing quick exits, SeedsAI is focused on impact-driven growth. Their goal is not only to scale revenues but also to redefine how financial inclusion is delivered in India.

The founders envision reaching $50M ARR within five years, but always with the lens of creating sustainable, socially relevant change.

SeedsAI’s Impact Philosophy:

1. Solve real problems: Focus on underserved communities

2. Hire for attitude: Build teams that believe in the mission

3. Execute relentlessly: Stay focused on product-market fit before expansion

Lessons for Aspiring Entrepreneurs

SeedsAI offers a powerful case study for young founders in the AI startup ecosystem. Their journey is proof that even in a crowded tech market, a sharp focus on empathy and execution can set a company apart.

Takeaways for Student Entrepreneurs:

1. White space discovery: Look where technology hasn’t penetrated deeply

2. Resilience matters: Focus on solving, not pivoting for hype

3. Execution > Ideation: Success comes from building, testing, and iterating

4. Ethical AI focus: Technology should empower, not alienate, its users

FAQs 

1. Who are the founders of SeedsAI?
SeedsAI was founded by Shubham Khatri and Vansh Miglani, student entrepreneurs committed to using AI for financial inclusion.

2. What makes SeedsAI’s AI voice bots unique?
Unlike standard bots, SeedsAI offers humanistic AI with natural language understanding and empathy-driven interactions.

3. How does SeedsAI simplify financial inquiries?
SeedsAI bots act as an AI voice translator, breaking down complex terms into everyday language and multiple dialects.

4. How much funding has SeedsAI raised?
The company has raised $200K from Campus Fund to build and scale its AI-powered solutions.

5. What is SeedsAI’s long-term vision?
SeedsAI aims to achieve $50M ARR in 3–5 years, while driving financial inclusion for underserved populations through humanistic AI.