I am Building Incume which is AI Enabled Social Commerce Fintech Platform. As According to World Bank India is Home to Nearly 190 million Unbanked Individuals who are left of mainstream financial services. The Main Reason are Lack of Credit History, Low or No Education, Lack of Language Sills, Financial Sector Deem Unbanked Population Credit Unworthy. Lack of Access to Financial Institutions is one thing and being aware is another, means communities hinder from availing financial services due to lack of proper education and awareness despite having access to it. This is compounded by language barrier as large section of Indians are not familiar either in Hindi or English. According to Survey only 27% adults in india are financial Literate, Limited Consumer Knowledge about available financial products lead to poor decision making, There are Numerous problems which Incume is Solving.