Artificial Intelligence in Finflow360
Use AI to automatically improve performance of your lending business.
Talk to an ExpertIndustry-leading AI-based scoring technologies eliminate the guesswork in lending and credit decisions, even with high-risk clients. Put sophisticated self-learning algorithms to work for your lending business to make faster and more accurate decisions immediately.
Unique Value Proposition
The solution enables 30-second automatic credit decisioning in cases where it takes traditional scoring models days or even weeks.
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Proprietary machine learning and deep neural networks tailored to your business and customers
Fastest possible time-to-market
Market-leading, ready-to-use unified lending management solution
No-code API integration with any third-party or internal data source or service
Bank-grade automation at a fraction of a price
AI Under the Hood of Finflow360
AI-Driven Bank Account Statement Scoring
The Bank Account Statement Scoring Model uses deep neural networks and machine learning for high-precision analytics and adaptability designed specifically to work with Big Data. The scoring model analyzes the customer’s banking history to characterize their financial flows, patterns, and trends considering complex non-linear interconnections between variables and is ready for:
- Automated extrapolation of new borrowers (self-learning)
- Automated process of monitoring and retraining
Employee Performance Management
Track KPIs and the work efficiency of each employee with built-in performance analytics. The system analyzes originators, underwriters, servicing officers, and collectors and presents relevant insights at a glance. The evaluation is based on the individual’s responsibilities, includes numerous relevant factors, and uses AI to process, cross-reference, and present the data to the management team.
Borrower’s Geolocation Tracking and Analysis
Through deep integration with Google Maps, Finflow360 applies location tracking to improve any lender’s analytical, marketing, and sales capabilities. The solution allows you to collect the borrowers’ coordinates (with permission) based on device GPS, WiFi, postal address, or an IP. These data points are automatically checked against business rules and applied to specialized insight-filled heat maps for underwriters, loan managers, and collectors.
Customer Rating
Customer Rating Once borrowers have active loans, the system continuously analyzes their behavior and discipline to provide a clear understanding of a customer’s “rating” for your business. The rate is calculated based on how the borrower interacts with the platform and staff as well as certain sound and risky behaviors. Reward high rating borrowers with a special offer, or proactively contact a troubled borrower to offer an affordable short-term loan or rollover to improve their internal rating or credit scores.
Business performance analytics
Monitor your business' well-being, analyze the current effectiveness of staff efforts, and explore aggregated assets and current portfolio state with the Business KPI dashboard. This dashboard combines all data from your lending operation in a single-view insight interface. This is the first and most important analytics tool for stake-holders to evaluate their business.
Psychometrics
A stand-alone app that enhances the Finflow360 AI-powered Decision Engine with a psychological test developed by experienced psychologists, lending specialists, and in-house AI engineers. The test, combined with the deep neural networks which analyze its results, accurately evaluates loan risks and potential borrowers even without credit history or bank account data.
Success Stories
We looked at other lending solutions. But Finflow360 was just more accessible and...well, ‘turn key.’ Now we're on a level playing field with the bigger guys without the overhead. This, and intelligent credit scoring, helps us provide our borrowers with affordable loans while working at a profit.
We looked at other lending solutions. But Finflow360 was just more accessible and...well, ‘turn key.’ Now we're on a level playing field with the bigger guys without the overhead. This, and intelligent credit scoring, helps us provide our borrowers with affordable loans while working at a profit.
In-house financing enabled by Finflow360’s automation lets us grow our business and provide a superior experience to our clients.
In-house financing enabled by Finflow360’s automation lets us grow our business and provide a superior experience to our clients.
Love the true cloud-based approach. Simple setup for loan products and key integrations out-of-the-box make it easy to deploy and get running. Out-of-the-box fraud checks and some limited loan application customization out of the box is nice.
Love the true cloud-based approach. Simple setup for loan products and key integrations out-of-the-box make it easy to deploy and get running. Out-of-the-box fraud checks and some limited loan application customization out of the box is nice.
Decision Management System
The flagship AI solution behind the Finflow360 Decision Engine has been tested and proven in over 50 countries. It harnesses the power of deep neural networks and self-learning scoring models to evaluate borrowers in real-time. The engine can utilize any type of traditional or alternative data source to learn, predict, classify, cluster, and associate applications for decisioning.
The solution enables 30-second automatic credit decisioning in cases where it takes traditional scoring models days or even weeks.
Credit Decisioning Without Finflow360
3 Days
Credit Decisioning With Finflow360
30 Seconds
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