GiniMachine Description
GiniMachine, an AI-based solution to automated decision making, is called GiniMachine. It uses advanced machine learning algorithms and historical data from companies to create high-performing scoring models.
It can be used to score credit, collect, or apply, expand marketing (churn prediction), as well as sales (cross-sell, upsell) opportunities.
The system uses a customized implementation of the decision tree ensemble technique, augmented with a set
Heuristics for preliminary data processing. GiniMachine provides models for building and supplying.
They are fully compliant to the BASEL requirements.
GiniMachine works with all types of data, raw and prepared, including:
Socio-demographic data
Credit bureaus info
Transactional data
Social network data
Other data.
Integrations
Company Details
Media
Product Details
GiniMachine Features and Options
GiniMachine User Reviews
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Credit Scoring for Online PayDay Loan Company Date: Apr 06 2021
Summary: Our company purchased GiniMachine for credit scoring when providing online payday loans. We are a fintech company located in Central America. Daily we deal with a great number of loan applications, so our goal was to speed up the credit scoring and decisioning. We found GiniMachine AI, reliable software for automated credit scoring that takes into consideration traditional and alternative credit data. It uploads the array of historical data and builds scoring models in a few seconds. It helps us manage risks, shorten the time for decision-making and approve more loan applications, thus increasing profit at medium risk.
Positive: Functional and affordable software for AI/ML decision-making in lending. Requires no complicated training. Implementation and onboarding are super fast.
Negative: The software requires quite a large amount of data for reliable predictive analytics. We had enough, but some customers may not have enough data (1000+ loans issued).
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