Case study

Solutions

We have never had so much financial data at our fingertips,
yet millions of people struggle to access the credit they
need, whilst lenders face soaring default rates and high loan
origination costs. Finexos has created an end-to-end solution
to rectify these issues.

Case study

Our solutions

Supercharge your business with our AI-powered financial capability metrics.

Retrospective analysis

Get an accurate snapshot of the quality of your current loan book in real time with our complimentary Loan Book Vulnerability Analysis report.

Better decisioning in real time

Unlock new, or previously rejected, customers through the power of our AI and financial capability metrics.

Ongoing monitoring

Detect early signs of financial distress and potential default in real time with our ongoing monitoring solution.

Our impact

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.

Complimentary Loan Book Vulnerability Analysis

Step 1

Share your data through our secure vault

– Data accepted in heterogeneous formats
– No PII required
– ISO 27001 certified

Step 2

Loan book data assessed by FIOLA®

– Data QA process
– Transited to the – FIOLA® risk engine
– Data screened through 300+ factors to identify risk

Step 3

See your results

– Vulnerability analysis
– Capital at risk
– Probability of default
– Summary & recommendations

ISO certified

Frequently asked questions

Please reach out to our experienced team for specific questions on any of our solutions or use cases.

I’m interested in an enterprise partnership or in reselling Finexos’ products. How do I contact you?


Please fill out our contact form and someone will be in touch.

How does Finexos’ approach differ from our competitors?


Unlike our competitors, we enable lenders to use data in real time from multiple sources to calculate the overall suitability of credit, based on a borrower’s financial capability and the affordability of the product. Our AI composites over 300 data points with behavioural analytics and forward-looking metrics to ensure that the lender has a clear view of the likelihood of repaypayment, thus significantly reducing the rate of default versus legacy decsioning metrics and those based on affordability alone.

What is the difference between affordability and capability?


Affordability is a measure of the ability of a borrower to meet the repayment terms of a credit product based on their cash position. Capability is a measure of how well a borrower manages their cash and credit on an ongoing basis, and how they prioritise expenditures.

Does Finexos provide consumer financial transaction data?


No, Finexos is a data intelligence provider that analyses transaction data provided by our customers. Finexos is able to integrate with all Open Banking providers and take data in heterogeneous formats.

Does Finexos share personal borrower related data?


Finexos does not hold or store any PII data belonging to loan applicants. We have completely anonymised the process to negate the effects of unwanted bias.