Better decisioning
in real time

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

Finexos

How it works

The learnings from the LBVA process are used to assess all new borrowers, based on the behavioural traits of good borrowers versus defaulting borrower profiles. When coupled with transactional data, behavioural analytics, and affordability assessment based on cash flow and current exposure to priority payments and other contractual commitments, enables lenders to mak better decisions, in real time, with optimal data.

Key benefits

Finexos’ innovations provide clear benefits to the lender, borrower, and the wider ecosystem.

Benefit from real time assessment of loan book

By taking Open Banking data and other live data sources, our solution provides a real time view of a borrower’s financial situation.

Better Support and manage customers

Early detection of default and more accurately priced credit improve customer retention and boost Net Promoter Scores.

Price risk more effectively

Fully automated machine learning identifies key financial competencies and vulnerabilities, enabling the precise pricing of credit products.

Satisfy regulatory requirements

Fully prepare for Consumer Duty with our unbiased data intelligence metrics that place good borrower outcomes front and centre.

Our impact

Finexos was created with the dual goals of delivering financial inclusion and ending credit poverty. We know that, by equipping providers of credit with the tools to better price risk, we can be part of the solution that will unlock credit for the millions globally that are underserved or completely excluded from the credit market through no fault of their own.

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

Finexos

Featured case study

FCA innovation Pathways

The FCA’s Innovation Pathways scheme is a service provided to assist technology providers in delivering innovative solutions to the UK financial services market. 

Finexos is now partnering with leading institutions and working with data from the FCA’s Digital Sandbox to produce a number of use cases for the Innovation Pathways team, with a view to ongoing testing through regulated sandboxes.

Frequently asked questions

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?


By taking real-time anonymised data from multiple sources, our risk engine is able to not only calculate repayment ability (the focus of our competitors), but, by using advanced ML techniques, is able to accurately measure repayment capability too. In other words, not only are we able to assess whether a borrower has the ability to repay a loan or other form of credit but, also, given their recent financial behaviour and spending patterns, what is the likelihood that they will repay this loan, or will they prioritise other non-essential expenditure instead.

How does Finexos’ approach differ from our competitors?


By taking real-time anonymised data from multiple sources, our risk engine is able to not only calculate repayment ability (the focus of our competitors), but, by using advanced ML techniques, is able to accurately measure repayment capability too. In other words, not only are we able to assess whether a borrower has the ability to repay a loan or other form of credit but, also, given their recent financial behaviour and spending patterns, what is the likelihood that they will repay this loan, or will they prioritise other non-essential expenditure instead.

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.