AI Credit
Transform your credit decisioning with AI-powered risk assessment that increases approvals, reduces defaults, and ensures compliance.
Key Features
Our AI Credit solution combines advanced risk modeling with explainable AI to transform credit decisioning.
Alternative Data Analysis
Enrich traditional credit assessments with alternative data sources for a more complete borrower profile.
Predictive Risk Modeling
Use advanced machine learning models to accurately predict default risk and optimize loan terms.
Adaptive Credit Scoring
Continuously improve scoring models through machine learning that adapts to changing economic conditions.
Explainable AI Decisions
Provide transparent explanations for credit decisions that satisfy regulatory requirements while educating borrowers.
How It Works
Our AI-powered credit solution transforms traditional credit assessment by incorporating advanced analytics and machine learning.
Data Collection & Enrichment
Gather traditional credit data and alternative data sources to create a comprehensive profile of each applicant.
Advanced Risk Modeling
Apply sophisticated machine learning algorithms to identify patterns and predict credit risk with greater accuracy.
Decision & Explanation
Generate credit decisions with transparent explanations that satisfy regulatory requirements and help borrowers understand outcomes.
Continuous Learning
Models adapt over time based on portfolio performance, ensuring credit decisions remain accurate as conditions change.
Credit Decision Flow
From application to decision in seconds
Application Data
Application information and consent for data access
Data Aggregation
Traditional + alternative data sources combined
Risk Analysis
ML models assess probability of default and ability to repay
Decision & Terms
Approval with optimized terms or explanation for denial
Key Benefits
Our clients experience significant improvements in credit performance and operational efficiency.
Increased Approval Rates
Approve more qualified borrowers by leveraging expanded data sets for credit decisions.
Reduced Default Rates
More accurate risk assessment leads to lower default rates across the loan portfolio.
Faster Decision Time
Deliver credit decisions in seconds rather than days through automated analysis.
Improved Risk Segmentation
Better classify borrowers into risk tiers for more appropriate pricing and terms.
Dedicated Credit AI Assistant
Our Credit AI Assistant transforms lending decisions, providing real-time risk analysis and recommendations to help your team make smarter, faster credit decisions.
Risk Assessment
Analyzes traditional and alternative data to provide comprehensive risk profiles for each application.
Decision Explanation
Provides clear, compliant explanations for credit decisions, highlighting key factors that influenced the outcome.
Fraud Detection
Identifies potential fraud indicators across applications, protecting your business from credit fraud and identity theft.
Compliance Monitoring
Ensures all credit decisions adhere to regulatory requirements and fair lending practices.
AI Credit Assistant
I've analyzed this application and identified multiple positive indicators. Credit score, income stability, and debt-to-income ratio all suggest low risk.
The applicant's employment history shows a gap that requires verification. Would you like me to generate the necessary verification request?
Based on the applicant's profile, I recommend approval with a 7.2% interest rate, which balances risk and portfolio performance targets.
Use Cases
AI Credit addresses a wide range of lending scenarios across different market segments.
Thin-File Borrowers
Assess creditworthiness for consumers with limited traditional credit history.
Small Business Lending
Evaluate small businesses with limited operating history using alternative financial indicators.
Auto and Equipment Financing
Create specialized risk models for secured lending that incorporate collateral valuation.
Credit Line Management
Dynamically adjust credit lines based on ongoing behavior and changing risk profiles.
Early Adopter Program
Join our exclusive Early Adopter Program for AI Credit and be among the first to transform your credit decisioning with our cutting-edge technology.
Priority Access
Be first to receive new features and enhancements to the AI Credit platform
Special Pricing
Exclusive pricing and terms for early program participants
Direct Input
Shape the future of AI Credit with your direct feedback and requirements
Built for Compliance
AI Credit is designed with regulatory compliance at its core, ensuring your credit decisions remain explainable, fair, and transparent.
Explainable Decisions
Our system provides detailed factors for each credit decision, making it easy to comply with adverse action notice requirements.
Fair Lending Analysis
Built-in tools monitor model performance across protected classes to help ensure fair lending compliance.
Audit Trail & Documentation
Comprehensive logging of all credit decisions and model changes to support regulatory examinations.
Model Risk Management
Rigorous validation processes and documentation to comply with model risk management guidance.
Supports adverse action notices with specific reasons for credit decisions
Complies with credit reporting requirements and consumer disclosure rights
Designed to prevent unfair, deceptive, or abusive practices
Aligns with model risk management guidance from federal regulators
Transparent, interpretable models that meet emerging AI/ML regulatory expectations
Ready to transform your credit decisioning?
Get started with AI Credit today and experience faster, more accurate, and compliant credit decisions.
Schedule a Risk Assessment
Let our team analyze your current credit decisioning and demonstrate the potential improvement with AI Credit.