GiniMachine

GiniMachine is an AI-based credit scoring solution that utilizes machine learning algorithms and lender’s historical data to build high-performing scoring models.

Developed both for traditional banking systems and ‘alternative finance’ space, GiniMachine helps lenders reduce future credit losses, measure risk with greater speed and sophistication, issue more loans and fight fraud.

Key benefits of the solution:

1. Fast, fully autonomous and automated model building process. With a prepared dataset, it takes only 2-10 minutes to build and validate a scoring model. Thus, it saves hundreds of hours of manual work for risk officers and data analysts.
2. High performance and predictive power. Typically, up to 15 points of the Gini Index compared to traditional models based on logistic regression.
3. Ease of use - no special training is required to build a model.
4. Built-in scoring model evaluation and validation tools.
5. Ability to use unstructured and big data. Ability to handle imperfect and missing data.