Active.ai vs Recko

Neither company has publicly disclosed a valuation, making a definitive size comparison difficult. Active.ai employs 50-200 people, while Recko has 50-200 employees.

Recko has raised more in total funding at $16M, compared to Active.ai's $11M — a gap of $5M.

Recko holds the higher Awaira Score at 55/100, compared to Active.ai's 50/100. The Awaira Score is a composite metric factoring in valuation, funding, stage, team size, and market presence — a 5-point gap that reflects meaningful differences in scale or traction.

Active.ai was founded by Ravi Shankar in 2016. Recko was founded by Saurya Prakash Sinha in 2017. Visit each company's profile on Awaira for a full founder biography.

Active.ai: Active.ai builds conversational AI solutions specifically for retail banking and financial services, enabling banks to deploy intelligent virtual assistants for account inquiries, transaction analysis, loan servicing, and customer onboarding through mobile and messaging channels. The platform is designed to integrate with core banking systems and comply with financial services regulations across multiple jurisdictions.\n\nThe company raised approximately $11M in Series A funding and counts regional banks, cooperative financial institutions, and digital neobanks among its customers in India and Southeast Asia. Active.ai's banking-specific NLP models are trained on financial domain terminology, reducing hallucination risk in regulated customer-facing interactions.\n\nThe digital banking transformation in India, accelerated by UPI and the JAM trinity, has created strong demand for AI-assisted banking interfaces that can serve the next 300 million users entering the formal financial system. Active.ai's banking-native design positions it as a credible alternative to expensive custom development or generic chatbot platforms that require extensive financial domain customization. Recko: Recko built a revenue reconciliation and financial operations platform that used AI to automate the complex process of matching transactions across payment gateways, banking systems, marketplaces, and internal ledgers for high-volume digital businesses. The platform reduced manual reconciliation effort by automating exception identification, partner settlement calculations, and revenue recognition workflows.\n\nThe company raised approximately $16M in venture funding before being acquired by Stripe in 2022, marking a successful exit that validated the strategic importance of automated financial reconciliation infrastructure for global payment platforms. Prior to acquisition, Recko had built a customer base of major Indian fintech companies and digital commerce platforms managing large daily transaction volumes.\n\nThe acquisition by Stripe reflected the growing importance of financial operations automation as digital payment volumes scale beyond the capacity of manual reconciliation processes. Recko's technology is expected to enhance Stripe's financial management products for large enterprise customers globally, continuing the pattern of India-headquartered fintech infrastructure companies achieving exits to global payment leaders.

Active.ai was founded first in 2016, giving it 1 year of additional market experience. Recko was founded later in 2017. In AI, even a year or two of head start can translate into significantly more training data, customer relationships, and institutional knowledge.

Both Active.ai and Recko report similar employee counts of approximately 50-200. Team size is often a proxy for operational scale, though lean AI companies can punch well above their headcount.

Yes, Active.ai and Recko are direct competitors — both operate in the AI Finance space and likely target overlapping customer segments. This comparison is especially relevant for buyers evaluating both platforms.