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Description
GiniMachine, an AI-based solution to automated decision making, is called GiniMachine. It uses advanced machine learning algorithms and historical data from companies to create high-performing scoring models.
It can be used to score credit, collect, or apply, expand marketing (churn prediction), as well as sales (cross-sell, upsell) opportunities.
The system uses a customized implementation of the decision tree ensemble technique, augmented with a set
Heuristics for preliminary data processing. GiniMachine provides models for building and supplying.
They are fully compliant to the BASEL requirements.
GiniMachine works with all types of data, raw and prepared, including:
Socio-demographic data
Credit bureaus info
Transactional data
Social network data
Other data.
Description
The challenges posed by bad debts are more pronounced for SME loans compared to other retail financing options. To tackle these issues, it is essential to leverage skilled resources effectively, and no organization does this better than Scorto. There is a pressing need to lower operational costs associated with SME loans while simultaneously enhancing operational efficiency. In light of the intense competition within the SME market, it is crucial to continually refine credit strategies and accurately measure performance. A thorough financial analysis of potential borrowers' businesses is necessary, along with the automation of the SME loan application process. Implementing risk-based pricing is vital, as is conducting comprehensive credit risk assessments throughout the entire loan lifecycle. Companies must also focus on scoring, rating, and segmenting their clients. Additionally, evaluating payment dynamics and assessing credit risk involves estimating crucial parameters such as Probability of Default (PD), Exposure at Default (EAD), and Loss Given Default (LGD), which are necessary for calculating Risk-Weighted Assets (RWA) as per Basel II guidelines. Furthermore, tools for supporting Cross-Sell and Up-Sell decisions should be integrated, along with effective Business Rules and Process Management for SME lending. Regularly automated re-evaluation of default risk and key financial ratios is essential for an accurate analysis of SMEs. This comprehensive approach not only mitigates risk but also fosters growth and stability in the SME lending landscape.
API Access
Has API
No
API Access
Has API
No
Integrations
CREDITONLINE
Yes
Ultimus Digital Process Automation Suite
Yes
Integrations
CREDITONLINE
No
Ultimus Digital Process Automation Suite
No
Pricing Details
No price information available.
Free Trial
No
Free Version
No
Pricing Details
No price information available.
Free Trial
No
Free Version
No
Deployment
Web-Based
Yes
On-Premises
No
iPhone App
No
iPad App
No
Android App
No
Windows
No
Mac
No
Linux
No
Chromebook
No
Deployment
Web-Based
Yes
On-Premises
No
iPhone App
No
iPad App
No
Android App
No
Windows
No
Mac
No
Linux
No
Chromebook
No
Customer Support
Business Hours
No
Live Rep (24/7)
No
Online Support
No
Customer Support
Business Hours
No
Live Rep (24/7)
No
Online Support
No
Types of Training
Training Docs
No
Webinars
No
Live Training (Online)
No
In Person
No
Types of Training
Training Docs
No
Webinars
No
Live Training (Online)
No
In Person
No
Vendor Details
Company Name
HES FinTech
Founded
2017
Country
Lithuania
Website
ginimachine.com
Vendor Details
Company Name
Scorto
Founded
2001
Country
United States
Website
scorto.com/loan-manager-sme/
Product Features
Predictive Analytics
AI / Machine Learning
No
Benchmarking
No
Data Blending
No
Data Mining
No
Demand Forecasting
No
For Education
No
For Healthcare
No
Modeling & Simulation
No
Sentiment Analysis
No
Product Features
Commercial Loan
Asset Management
Yes
Audit Trail
Yes
Complex Debt Structures
Yes
Dashboard
Yes
Document Management
Yes
Exposure Management
Yes
Lead Management
Yes
Pipeline Management
Yes
Risk Management
Yes
Trend Analysis
Yes
Loan Servicing
Accounting Management
Yes
Amortization Schedule
Yes
Application Management
Yes
Auto Loans
Yes
Automatic Funds Distribution
Yes
Business Loans
Yes
Collateral Tracking
Yes
Collections Management
Yes
Compliance Management
Yes
Construction Loans
Yes
Customer Database
Yes
Fee Management
Yes
Investor Management
Yes
Loan Processing
Yes
Student Loans
Yes