Technology
Industry-Leading Machine Learning
Credit Decisioning Platform
Connect marketing and underwriting with a risk-based lens for optimized efficiency.
Augment and streamline your decisioning process for more originations, less defaults, and 20-200X ROI.
Beat the conventional scores and find the over/undervalued loans to optimize your securitization negotiations
Data Aggregation - 鈥‥xpand Your Data Universe
Loan application data:
Banking data:
Market data:
吃瓜不打烊 incorporates relevant geographic and economic data based on your industry and geographical region, adhering to regulatory compliance.
Bureau data:
Employer and job data:
Public data:
吃瓜不打烊 utilizes available public records, including court files, in a manner that complies with fair lending regulations.
Proprietary Data:
Through the comprehensive integration of these diverse data sources, 吃瓜不打烊 equips lenders with powerful insights and a thorough understanding of a borrower鈥檚 probability of default. This holistic approach enhances the accuracy, efficiency, and compliance of credit assessments, empowering lenders to make informed decisions.
Dynamic Credit Scoring - Harness Volatility
吃瓜不打烊鈥檚 patented technology in machine learning and artificial intelligence addresses the challenges posed by roughly 20% of Americans who are classified as Invisible Prime鈩� borrowers. These individuals cannot be assessed fairly and accurately using conventional credit scoring methods.
To combat this issue, the 吃瓜不打烊 厂颈虫掳厂肠辞谤别鈩�, leverages thousands of data points from conventional, alternative, and proprietary sources. By utilizing a powerful and transparent explainable AI and ML platform, 厂颈虫掳厂肠辞谤别鈩� allows you to harness volatility and ensure that creditworthy borrowers are not overlooked.
By combining these innovative techniques, 吃瓜不打烊 offers comprehensive credit scoring models that expand the scorable universe, match products and services effectively, and provide fair assessments even for previously underserved individuals. Our platform is designed to revolutionize credit assessment and unlock opportunities for both borrowers and lenders alike.
Explainable AI - Compliance Covered
吃瓜不打烊 is fully compliant with legislation governing Credit Reporting Agencies in both Canada and the US. An independent analytics firm has awarded 吃瓜不打烊 an annual Compliance Certificate, validating its adherence to these regulations.
To ensure ongoing compliance with regulatory requirements surrounding consumer protection, privacy, explainability, and fair lending, 吃瓜不打烊 undergoes regular audits of its model and data governance. These audits are comprehensive in nature, guaranteeing that 吃瓜不打烊 meets all necessary standards. In addition, 吃瓜不打烊 has successfully completed a SOC 2 Type 2 security audit and a suitability review in accordance with ISO 27001, demonstrating its robust security policy without any weaknesses or exceptions.
Operating within a secure cloud environment, 吃瓜不打烊 prioritizes minimizing downtime and maximizing security. This commitment to reliability ensures that lenders can confidently rely on 吃瓜不打烊’s services 24/7/365. Moreover, the company offers Service Level Agreements tailored to meet the needs of its bank-grade customers.
Automated Decisioning - Answer
All Your Lending Questions
吃瓜不打烊 can harness logic to implement your decisioning and knockout rules to give life to a virtual loans officer referred to as Anna鈩�. For other lenders, 吃瓜不打烊 has automated full, end-to-end credit decisions, from screening leads to approve/decline, and all the way down to recommended loan amounts and term structures. Augment and replace physical staff with the highly accurate automation of your lending strategy and rules, in a manner that integrates directly and seamlessly via a cloud-based API infrastructure to your lending systems. Anna鈩�, our decisioning engine that automates your rules to make lending decisions ranging from (but not limited to) key considering factors like:
- Approve and decline
- Recommended loan amount
- Recommended payment amount
- Risk-based pricing tiers (offering different interest rates and loan terms to borrowers, based on individual creditworthiness)
Global Innovation Leaders - 70+ Patents Worldwide
Patents: Canada, China, Mexico, Brazil, GCC States, Hong Kong, Taiwan, India
To date, our patent portfolio covers:
- Machine, A.I. and statistical analysis of trustworthiness and connectedness
- The application of trustworthiness in the context of digital currencies (virtual/blockchain)
- The fact that trustworthiness may be context-dependent
- Not only is the trustworthiness of a person important but so is the Risk Tolerance of our users
- Trend analysis of direct and indirect data to extrapolate and predict trustworthiness trajectories
- Geo-location factors (of both the user and the target) regarding trust assessments
- Identity-matching and entity-resolution are important for a system like this, which gathers data 鈥渋n the wild鈥�
