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.
Supercharge your business with our AI-powered financial capability metrics.
Get an accurate snapshot of the quality of your current loan book in real time with our complimentary Loan Book Vulnerability Analysis report.
Unlock new, or previously rejected, customers through the power of our AI and financial capability metrics.
Detect early signs of financial distress and potential default in real time with our ongoing monitoring solution.
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.
Share your data through our secure vault
– Data accepted in heterogeneous formats
– No PII required
– ISO 27001 certified
Loan book data assessed by FIOLA®
– Data QA process
– Transited to the – FIOLA® risk engine
– Data screened through 300+ factors to identify risk
See your results
– Vulnerability analysis
– Capital at risk
– Probability of default
– Summary & recommendations
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.
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.