Use Cases

Our market leading solution can be deployed across
multiple use cases – both for providers of credit and also for
non-financial institutions with embedded lending offering.

Use case by solution

  • Retrospective analysis

  • Better Decisioning

  • Real time portfolio management

Benefit from real time assessment of loan book

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

Price risk more effectively

Fully automated borrower segmentation enables accurate pricing based on the probability of default by detecting key financial risk indicators.

Satisfy regulatory requirements

Our removal of unwanted bias from the decisioning process place good borrower outcomes front and centre, aligning with the Consumer Duty regulation.

Better support and manage customers

Monitor financial capability and provide affordable credit products to improve customer retention and boost Net Promoter Scores.

Finexos

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.

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Safely approve more customers

Our AI enables the accurate detection of qualified borrowers who are currently being excluded by legacy metrics.

Simplify the application process

Streamlining the application process through automation to Improve customer experience and reduce the cost of origination.

Price risk more effectively

Fully automated borrower segmentation enables accurate pricing based on the probability of default by detecting key financial risk indicators.

Improve net promoter score

Build better NPS by supporting customers through early detection of financial distress and higher risk of default.

Reduce default rate

Accurately qualifying a borrower’s ability and likelihood to repay, based on their behaviour, and go beyond simple affordability assessment.

Reduce wastage in lead gen & marketing

Qualify more leads to significantly reduce customer acquisition costs through improved customer identification.

Make Better lending decisions

Identify the true financial capability and affordability of your customers with automated lending functionality.

Satisfy regulatory requirements

Our removal of unwanted bias from the decisioning process place good borrower outcomes front and centre, aligning with the Consumer Duty regulation.

Finexos

Better decisioning

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

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Benefit from real time assessment of loan book

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

Reduce default rates

Accurately qualifying a borrower’s ability and likelihood to repay, based on their behaviour, and go beyond simple affordability assessment.

Improve net promoter score

Build better NPS by supporting customers through early detection of financial distress and higher risk of default.

Reduce wastage in lead gen & marketing

Qualify more leads to significantly reduce customer acquisition costs through improved customer identification.

Satisfy regulatory requirements

Our removal of unwanted bias from the decisioning process place good borrower outcomes front and centre, aligning with the Consumer Duty regulation.

Finexos

Ongoing monitoring

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

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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.

Featured case study

FCA Innovation pathway

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.