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

Reviews - 1 Verified Review

Total
ease
features
design
support

Company Details

Company:
HES FinTech
Year Founded:
2017
Headquarters:
Lithuania
Website:
ginimachine.com
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Product Details

Platforms
Web-Based

GiniMachine Features and Options

GiniMachine User Reviews

Write a Review
  • Name: Anonymous (Verified)
    Job Title: CIO
    Length of product use: 6-12 Months
    Used How Often?: Daily
    Role: Administrator, Deployment
    Organization Size: 26 - 99
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    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).

    Read More...
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