Finexos has developed an end-to-end platform that enhances credit
decision-making across various financial lending sectors.
Our innovative approach enables lenders to assess creditworthiness
more accurately, reduce default rates, and streamline loan origination
processes, empowering financial institutions to make smarter lending
decisions, promote financial inclusion, and achieve better outcomes
for both borrowers and lenders.
Supercharge your business with our AI-powered financial capability metrics.
Unlike traditional methods that focus solely on repayment history, Finexos uses real-time transactional data to assess how SMEs manage financial strain.
Enhanced transparency and accountability of credit providers by ensuring Active Affordability assessments remain aligned with borrowers’ financial realities
Conventional affordability assessments focus on historical data and fixed metrics, overlooking how borrowers actually manage financial strain.
Up to
72%
Reduction in Default Rate
Up to
17%
Improvement in Balance Sheet
Up to
257%
Uptick in ROCE
More inclusive lending, based on our financial capability metrics, unlocks entirely new markets whilst reducing overall risk exposure through the use of our advanced AI and behavioural analytics. Finexos enables lenders to safely include more borrowers, even those with thin or no credit files and without the need for borrower PII or credit scores.
Try it for yourself
Step 1
See our test data
– Sign up with a business email
– Verify your email, company and role
– Login and see the results
Step 2
Share your sample data in our secure vault
– Data accepted in heterogeneous formats
– No PII required
– ISO 27001 certified
Step 3
What happens then?
– Data QA process
– Transited to the FIOLA® risk engine
– Data screened through 300+ factors to identify risk
Step 4
See your results
– Active Affordability
– Probability of default
– Loan Book segmentation and more
– Summary & recommendations
If you can’t find what you’re looking for, feel free to reach out to our customer support team for further assistance.
I’m interested in an enterprise partnership or in reselling Finexos’ products. How do I contact you?
Please book a meeting or reach out via email to enquire@finexos.io and one of our team will be in touch.
How does Finexos’ approach differ from our competitors?
Conventional credit assessments focus on historical data and fixed metrics, overlooking how borrowers actually manage financial strain. Yet financial health is fluid. The Finexos Active Affordability Assessment is a live, learning system that adapts to changes in income, expenditure, and behaviour. It moves beyond repayment tracking, using transactional and real-time data to determine whether borrowers can maintain their quality of life while repaying loans. This ensures lenders make truly responsible, long-term lending decisions.
What is the difference between affordability and creditworthiness?
Affordability is a measure of the ability of a borrower to meet the repayment terms of a credit product based on their cash position on an ongoing basis. Creditworthiness is a more narrow view of the suitability of the product at a single point in time, taking into account isolated factors that affect repayment ability.
Does Finexos provide financial transaction data?
No, Finexos is a data intelligence provider that analyses transactional data provided by our customers (providers of credit). Finexos is able to integrate with all Open Banking providers and accepts data in heterogeneous formats.
Does Finexos share personal borrower related data?
Finexos does not hold or store any PII data belonging to credit applicants. We have completely anonymised the process to negate the effects of unwanted bias.
Has Finexos won any awards?
Yes, we have won Innovate Finance’s Fairer Finance Hackathon, were a finalist in Open Finance’s Global Appathon, and were voted Most Innovative Credit Repair Solution Provider UK by Wealth and Finance International.
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Data from Fair4All Finance shows that 20.3 million people were living in financially vulnerable circumstances as of 2024 – an increase of 16% from 2022. Financial vulnerability can be caused by a range of factors but is universally harmful to both affected individuals and lenders.
An affordability check determines whether a borrower is qualified to receive a loan. Many factors go into deciding whether a borrower is qualified, such as their income, regular bills and in some cases even postal code.
Affordability assessments are a crucial part of the approval process for almost any financial product, from mortgages to personal loans. But what are they, how are they used, why are they so important, what criteria do they assess and what does the process look like?
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AI is transforming lending operations and unlocking a world of possibilities for consumers and lenders alike. By providing tools to improve decision-making, the utilisation of AI in lending is helping to create more financial inclusion and credit access for an underserved market. A credit decision engine that uses advanced AI also reduces operational overheads and increases efficiency.
The adoption of generative AI for the finance sector is becoming essential for managing data, mitigating risks and enabling data-driven decisions. Businesses embracing this solution are solving challenges faster and gaining a competitive edge in an ever-changing landscape. Many sectors are already using a form of AI to become more efficient, but generative AI is capable of doing so much more.
Optimising and future-proofing Loan Management Software (LMS) is crucial for adapting to evolving market demands and thriving in a competitive landscape. The use of AI is growing as a means to this end, but what are the key considerations for LMS providers when adopting it to achieve the best results?
The Consumer Duty has reshaped the regulatory landscape for UK financial services and is increasingly becoming the underpinning principal of the FCA’s supervisory approach. It sets high standards of consumer protection across financial services and requires firms to put their customers’ needs first. Lenders must ensure that their products deliver genuine value, protect customers from foreseeable harm, and equip them with the information necessary to make informed decisions.
The Bank of England’s latest survey on AI in financial services revealed that 75% of firms are already using artificial intelligence (AI), with a further 10% planning to use AI over the next three years. The development and implementation of AI programs requires significant financial and operational investment which not all lenders have the capabilities to undertake.
Finexos has formed a new partnership with Endava plc, a leading technology services company.
Finexos is delighted to announce a new strategic partnership with credit reference agency (CRA) and Open Banking Provider, AperiData.
Finexos’ AI-powered credit and affordably risk, analytics and data science platform has been accepted onto the Financial Conduct Authority’s (FCA) Innovation Pathways.
Finexos has partnered with all-in-one loan management system, Fintech Market, to enhance credit decisioning.
Finexos is delighted to announce our achievement of ISO 27001 accreditation, enabling demonstration of gold-standard data protection.
Finexos’ AI-powered credit risk and analytics platform has been accepted into the Financial Conduct Authority (FCA) Digital Sandbox.
The Finexos team is delighted to share that the company has joined Innovate Finance, the independent industry body and voice of UK FinTech.
Finexos has partnered with NayaOne to provide advanced AI-powered Loan Book Vulnerability Analysis (LBVA), that reduces defaults and increases Return on Capital Employed (ROCE), via the NayaOne marketplace and Digital Transformation Platform.
The Consumer Duty is now in force for new and existing products and services.
In a recent BBC interview, the EU’s Competition Chief, Margrethe Vestager, expressed her concerns about the potential for AI to amplify bias or discrimination in loan and mortgage decisions.
The Finexos Board is delighted to announce the appointment of Darren Smith as Chief Executive Officer.
Growth Capital Ventures has led a £695,000 investment round into Finexos, a fintech platform set to improve access to credit for millions of people around the world.
