Alternatives to ZScore

AI-driven solutions for credit-to-cash powered by Dun & Bradstreet’s global data and analytics. D&B Finance Analytics offers AI-driven solutions backed by the Dun & Bradstreet Data Cloud. D&B Finance Analytics is a flexible, easy-to-use tool that helps finance teams reduce costs, improve customer service, and manage risk. Manage credit and receivables risks to minimize bad debts, reduce DSO and improve cash flow. Automate manual decisioning and monitoring, customer communication, and matching. Offer your customers an online credit application as well as a payment portal. D&B Finance Analytics consists of two platforms: D&B Credit Intelligence and D&B®, Receivables Intelligence. Together, they provide powerful insights and technologies to help you accelerate your success throughout all your credit-to cash processes. You can quickly gain visibility into credit risks, onboard customers, and set the right terms.

Instant Bank Verification is a real-time, user-permissioned service that enables lenders to verify their financial data and aggregation. What can you do with IBV Verify identities of users and reduce fraud. Verify account balances in real-time. Verify employment and understand income. Access transaction history. You can verify the assets of borrowers right from the source. Flexible pricing allows you to only pay for the services you use, making IBV a great choice for loan originations. IBV is ideal for short term lending, retail loan origination, auto financing, property rentals, and other purposes. IBV is powered via an easy-to-integrate web portal that can be added to your existing website or a fully document API. Check out our demo to learn more about IBV.

SwissMetrics, a FinTech company based in Switzerland, has the goal of changing the way companies monitor counterparty risk exposure. It provides a single platform solution that allows for onboarding and compliance as well as credit risk monitoring. The platform was developed by finance professionals and aims to encourage smarter collaboration between finance teams and non-finance departments in pursuit of a common goal: maximising value through risk mitigation. SwissMetrics is customer-centric and focuses on optimizing user experience through innovative, practical, and forward-looking tools. SwissMetrics enhances your compliance function by enabling you to monitor the financial health of your customers and suppliers.

Moody's Analytics CreditLens platform enables financial institutions to make better commercial lending decisions with greater speed and efficiency. Its innovative technology allows for consistent spreading, which powers advanced analytics. This includes the ability to compare your portfolio and benchmark it for enhanced risk assessment. Access financial analysis that generates dual risk rating models, or use rating models customized to your internal credit policies and risk rating guidelines. You can enhance your risk assessment by using relationship hierarchies that you create in CreditLens, or import from your CRM database. This allows you to model multiple risk entities, relationships, and hierarchy. Use business rules to reduce errors, increase data accuracy, and guide users through credit risk assessment according to your bank policies. Data auditability, deal approval frameworks and conditions precedent, as well as covenant adherence, are all available to help you ensure compliance with your internal and externe policies.

RiskAvert is a robust solution for risk management that enables financial institutions to collect and reconcile data, calculate and aggregate regulatory credit, market, operation, and concentration risk in an integrated yet modular environment. It supports all approaches to credit, market, and operational risk calculation, allowing banks to move away from a standard approach to IRB approaches. The solution supports XBRL validation as well as conversion functions for multiple taxonomies. The solution's cube-based MIS reporting engine fully supports market transparency requirements. Supervisory review is covered by a holistic stress testing framework as well as extensive concentration risks measures and reporting. The full coverage of the EUCRR/CRD Regulation, and future developments. Calculation of credit risk capital requirements according to Standardised or IRB approaches.

DiCOM is a leader in providing software solutions for financial institutions that manage Credit Risk and Loan Review. Credit Quality Solution (CQS), a DiCOM offering, is a set of robust, automated software tools that includes portfolio analysis, portfolio monitoring, loan review, and portfolio review. The software suite from DiCOM allows credit risk professionals to effectively manage risk, provide greater transparency and improve profitability through lower loan losses. DiCOM's mission enables clients to achieve more by innovative software, passionate customer engagement, and industry leadership.

CRM_A is the industry's best integrator of credit risk expertise and quantitative analysis. With over 30 years of experience, CRM_A has served lenders across the United States with thorough loan reviews and due diligence. CRM_A offers a wide range underwriting, risk grading and analytical products and services. Our ability to see the entire spectrum of risk is unparalleled. This includes individual loans, aggregate portfolios, and the whole enterprise environment. This distinguishes us in our ability to help clients identify credit-risk objectives, optimize management, and increase their profitability. A competitive advantage is enhanced asset performance. These values will determine your success in day-to-day operations as well as strategic pursuits. Manage workflows and key data points to improve underwriting consistency and efficiency.

Bilendo, the modern credit management platform, helps companies automate and control all credit risk minimization processes centrally. Companies are finding it difficult to reduce costs using outdated and legacy systems, especially when profit margins are decreasing. Credit risks are a major cause of high and unpredictable costs. Bilendo's innovative approach allows you to lower costs and reduce credit risk while allowing you to focus on business growth. Bilendo is a modern credit management platform that allows companies to map, control, and automate all credit risk minimization activities. Bilendo maps the entire process from invoice to cash with all relevant credit management tools. They can also be combined as needed. These include receivables management and debtor management, collection, dunning customer portals, service portals payment transactions, factoring risk management and protection against bad debt.

IRIS workflow addresses the global challenge of active counterparty risk management. It includes trade data acquisition, trade re-booking, consistent pricing, comprehensive aggregation module and hedge requirement computation. IRIS is a distributed parallel application that allows efficient use of multi-core systems. A HPC solution that uses GPU and Multicore processors can also be used to accelerate pricing and Greeks calculation. It is a key design goal to be able to integrate IRIS engines into complex systems. The.NET framework is interoperable and integrates with other languages. IRIS fully supports FpML as well as market data providers such Bloomberg, Markit, and Reuters. This ensures seamless data stream integration. IRIS internal data is fully accessible, making computation details auditable.

Kompliant provides end-to-end compliance through a platform that was developed in partnership with some of the most respected banks and payment processors around the globe. Kompliant's unique platform services make managing credit risk programs easier than ever. Kompliant Services can be used by finance, sales, and underwriting teams to create and implement their own compliance programs. Kompliant, Inc. is a leader in developing, launching, operating and maintaining innovative services for some of the most prominent card networks, banks, payments processors, retailers, and other financial institutions. Whitelabel services allow businesses to apply online for payment processing services using digital interfaces that are optimized for mobile, online, and other target environments.

FinTrak credit risk 360 was created to help banks identify, measure, control and monitor credit risks, as well as determine if they have adequate capital to cover these risks, and that they receive adequate compensation for the risks they incur. The Credit Risk 360 solution can be accessed via the Internet from any branch of a bank without having to install it separately. Our solution will integrate seamlessly with your existing investments to help you reduce waste and losses. Our team will give you all the support necessary to make your experience unforgettable.

Fiserv's solutions for financial risk management provide asset liability management, credit risk, liquidity, interest-rate risk, and funds transfer pricing capabilities. This will give your company a true enterprise view of risk. Every balance sheet is at risk. Financial professionals don't have the ability to see the future, so you will need to evaluate multiple balance sheets under different interest rates. Why? Financial institutions must understand the risk exposure in their balance sheets. Certain balance sheets perform better in rising rate environments than others. You can choose to take financial risk to maximize income opportunities, or to minimize financial risk by immunizing yourself against it. However, you need to be able to evaluate the risk embedded in your balance sheet. This allows your company to adjust and/or manage the risk to meet business goals and plans.

By leveraging Open Finance and bank statement data, DirectID help lenders understand their customers throughout the credit risk lifecycle, from onboarding through to collections & recoveries. DirectID Solutions include: AFFORDABILITY Automated transaction categorisation, instant insights and income verification for any customer with a bank account, all allows for more informed affordability assessments. IDENTITY Perform bank account validation checks to confirm identity, and then go beyond basic checks through our financial insights. ONBOARDING Remove onboarding friction caused by paper documents. Get seamless onboarding, verify asserted income and gather bank transactions with instant analysis in seconds. COLLECTIONS Create more informed collections programmes and better customer experiences with direct data insights. CREDIT RISK Don't rely on aged credit data and self-asserted income. Our real-time data insights supplement credit bureau reports to enable smarter credit risk underwriting. OPERATIONAL EFFICIENCY Reduce time spent on the phones and assessing documents. Connect directly to customer bank data and get automatically categorised transactions in seconds, whilst also reducing fraud.

SS&C Loan Services brings unprecedented operational efficiency to the management of loan assets in a highly regulated and evolving lending environment. This is for both lenders and investors. Our solutions cover all types of loan products: unsecured consumer credit, commercial and residential mortgages, syndicated bank loans, and even unsecured consumer credit. We give our clients complete control over the entire loan servicing lifecycle, starting with origination through to REO. This includes bank loan trading with accounting and valuation, loan credit risk calculation and stress testing. It's no surprise that SS&C Loan Services has over 300 clients. SS&C GoLoans provides a single-source, scalable solution that increases efficiency and provides transparency throughout the loan life-cycle. SS&C GlobeOp maintains all your records and books. It uses an integrated operating company accounting package to reduce operational burdens and increase transparency.

Automate the entire life-cycle of commercial loans, from sales management to monitoring. Streamline the lending process and manage your loan portfolio to reduce credit risk. We integrate with all Core Banking solutions, as well as the majority of documentation preparation solutions. This allows for faster processing times and lower costs, which will allow your bank to expand its loan portfolio. Credit Track integrates Workflow and Collaboration. You can view the details of each person and their tenure at any time. We also provide metrics that allow you to track any delays or issues. Are you tired of sending paper packages to be approved? Stop sending emails with so many attachments! Credit Track allows you to access your entire loan package online. When actions are required, we send emails. Send, Review and Approve any package electronically. Digital signatures are possible.

Rubix can be used to assess the risk of your counterpart throughout your business relationship. Rubix helps you manage credit risk, build a supply chain and ensure compliance for your business partners around the globe. It is crucial to conduct an on-boarding risk assessment for any new distributor, dealer or customer. If you are a Bank/ Fintech/ NBFC, it is important to conduct an Identity Check (KYC/ AML and Compliance) prior to loan origination. Then, an independent credit risk assessment should be performed at the loan decisioning stage. In today's volatile business environment and interconnected world, a firm's risk profile can change rapidly. Rubix will allow you to monitor your portfolio and track any changes in the firm’s risk profile.

Bad debts are more expensive for SME debts that for retail loans. Scorto cannot provide assistance for this, but it is important to use your skills efficiently. SME loans should have lower operational costs and be more efficient. The tough competition in the SME market requires continuous credit strategies improvement and proper performance measurement. Automated processing of SME loan applications Risk-based pricing. Credit risk assessment throughout the loan lifecycle. Companies scoring, rating, and segmentation. Evaluation of payment dynamics, credit risk assessment, and estimation of PD and EAD, as well as other parameters necessary for calculating RWA (Basel 2). Cross-Sell/Up-Sell decision support. SME lending can be managed by business rules/process management. Automated re-evaluation and re-evaluation for default risk and financial ratios in SME analysis.

DocCredit software is used to automate the collection process and commercial credit risk management. It integrates with the major Business Information providers and includes a company rating engine that allows you to get to know your customer. The degree of risk affects business opportunities and guides collection efforts to find new clients, prioritize more dangerous credit and increase sales to less dangerous clients. Automate reminder processes using personalised workflows. Smart activity planner: emails and phone calls, visits. Automatic linking of reminders sent, and replies received. Track payments by risk category, business channel, and client segment. Actions that have not been completed. Reminder/collection efforts are effective. Overdue/turnover ratio. Probability of default for the subject and the industry. Trend analysis reveals the internal credit line.

Tekambi is a solution that allows lending portfolios to control every aspect of lead buying. Tekambi optimizes the flow of leads and web traffic. Scorecards can be created and assessed using third-party data in order to improve portfolio performance. To unlock increased revenue potential, purchase and exchange leads as well as increase organic website traffic. Use machine learning to score leads according to historical performance. This will improve key metrics. Discover the easiest way to get in touch with the best software solutions available. Our software engineers are available to assist you in understanding your pain points. Tekambi's innovative solutions for lenders streamline the lender/borrower experience. Our lending-industry-tech team is experienced and enables rapid development of tailored solutions. By building tools on demand, you can bypass HR challenges and expensive internal technology.

Streamline your business with platform consolidation to improve compliance, streamline approvals and manage risk more intelligently. Automate KYB and KYC with accurate financial verification. Instantly access 242 millions businesses for KYB and IDV, fraud detection and reputation checks. Automate underwriting and accelerate time-to-revenue with Worth Score, reducing manual work and reducing the amount of manual effort. Continuously track credit data in real-time, enabling proactive risk assessment and minimising potential losses. Automated document verification and real time compliance checks can streamline the customer onboarding, reducing churn while increasing revenue. Utilize advanced AI underwriting to accelerate approvals, reduce costs and improve business performance. This will drive higher revenue growth. Consolidate multiple data streams into one comprehensive score to simplify and enhance credit decision-making.

Credco is a consumer report agency that gathers and evaluates consumer data and provides reports to third parties for the purposes of extending credit offers and/or other purposes, as permitted by law. Credco's Consumer Assistance Department can provide a copy of any information we may have about you. Credco is a consumer report agency that provides consumer reports for its clients, which include banks, mortgage companies, and other lending institutions. This information is used to assess credit risk and/or other legal purposes. As a consumer report agency, we can only disclose information about you to companies you have authorized to access it or to those with a permitted purpose under the Fair Credit Reporting Act. Credco is a reseller for consumer report information. We do not maintain a database from where new consumer reports can be produced.

Kleverlend is a complete decision management platform that allows lenders to make better decisions by using apis and dashboards to manage workflows in a safe and regulatory compliant way. Advantage You are faced with the challenges of managing customer acquisition, credit risk, customer performance, as well as other operational concerns in a changing and increasingly competitive lending market. You'll soon realize how crucial it is to have quick and efficient decision strategies. KleverLend's decision management platform allows lenders to quickly respond and adapt their lending programs. It uses innovative technology that helps achieve the following benefits: Quicker decisions. Easy management of credit policies changes. Make profitable and accurate offers. It is easy to adjust business rules without disruption. Automated decision making with a single API You can easily manage your business rules with a visual Workflow and business rules designer.

DocFinance is now a Fintech HUB that can provide its customers with all the benefits of full integration between technological services and our company's treasury management software and commercial credit management software. It is a software application that automates the collection process and commercial credit risk management. It integrates with the main Business Information providers and includes a company rating engine that allows for you to get to know your customers. It is a software application that allows advanced management of company treasury and includes Corporate Banking services. Its completeness is characterized by the integration of Remote Banking services and the company information system. The AFEXDirect platform has a single, consolidated and intuitive interface that is easy to use. It is also flexible and safe. The platform is available to customers 24 hours a days, 7 days a săptămână. Changes are made in real-time.

Openlink is designed for companies that operate in multiple commodities markets at a global level, and have sophisticated needs regarding risk management and physical logistics. Front-to-back supports all commodity asset types with advanced risk management and extensive workflow automation. Customization capabilities are also available. Openlink's comprehensive coverage across commodities and value-chain segments allows it to grow with your business. Openlink offers unparalleled comprehensive capabilities for risk management, high performance operations, and real time streaming data. With a complete portfolio view and sophisticated risk analysis, you can unlock the potential to thrive in commodities markets. Openlink is used by many of the largest and most sophisticated commodity-intensive companies in the world.

NuovoPay is a leading Device Financing Risk Management platform that provides financial institutions and telecom carriers with a comprehensive solution to manage the risk associated with providing financing for devices such as smartphones and laptops. With advanced features such as default and delinquency management, automation, and integration with third-party solutions for credit risk assessment, NuovoPay enables financial institutions and telecom carriers to protect financed devices in case of EMI defaults. NuovoPay’s cutting-edge technologies and integration capabilities make it a highly sought-after solution in the industry. Its reputation as a leader in Device Financing Risk Management is solidified by its track record of delivering results for its clients and its commitment to compliance and customer satisfaction. NuovoPay enables telecom carriers, Resellers & Finance companies to protect their financed devices against EMI payment defaults. NuovoPay's mobile locking technology remotely locks the devices that are financed to the consumers in the event of failure in EMI payments or if the devices are reported stolen. This ensures reduced collection costs and timely EMI payments.

Our technology and services are rooted within the most recent data science applications to ensure credit cooperatives have the right tools to compete and win! Cloud-based, API-enabled comprehensive portfolio and risk management solution that reduces collection costs and increases understanding of opportunities. Cloud-based comprehensive loan portfolio management system to manage performance, strategy, as well as expected loss withholding. A team of industry experts provides supplemental and advisory support services to help your origination and collection teams reach their full potential. Modern, clean collector workspace with simplified information for quick research, auto dial capability and standard comments. Pre-packaged functionality, enhanced data history, and automated surveillance. Rich library of dashboards, including surface key information, alert management tools and deep analysis of KPIs and behavior.

Lenders face increasing pressure to make more compelling offers to more applicants. But managing risk and growing profitable portfolios is more difficult than ever. It's time for a rethink of the data and insights that are used to assess credit risk. RiskView Credit Solutions can help you gain a fresh perspective on credit risks by leveraging non-credit event and alternative credit-seeking information. Improved risk segmentation in credit score bands allows you to refine offers for applicants who are in highly competitive credit segments. Improved predictive capabilities for near prime applicants can maximize acceptance rates and manage risk exposure. Assess consumers with thin or no-hit credit histories.

Risk Explorer™, which is present in more than 30 countries, is at the core of enterprise risk modeling processes around the world. Risk Explorer™, our industry-leading platform for financial and risk modeling, features powerful analytics and high performance simulation technology. It is flexible, transparent, and simple to learn. Risk Explorer's proven technology and advanced modeling capabilities allow insurance companies, reinsurers and reinsurance brokers to add value to their business. Risk Explorer's software engineering design allows even the most complex corporate risk models to be created in days after all parameters have been parameterized. This ensures that commercial benefits can be delivered quickly from financial modeling.

ERM is a fully integrated trading and credit management solution that can be used to manage complex multi-commodity energy companies. Our CRM manages credit risks, including counterparty and contract risk, collateral, exposure management, credit scoring, advanced credit analytics, credit scoring, and advanced credit analytics.

Lenders can save time, money, and errors with our online Auto Decision Platform (ADP). Increasing your bottom line profits ADP is multifaceted and multi-award-winning, with many possibilities once it's been implemented.

CRisk is an intuitive, modern energy credit risk management system that supports all credit processes from one place. CRisk allows you to monitor and control all counterparty positions in real-time. CRisk supports all aspects of the OTC counterparty lifecycle, from assessment to allocation and exposure management (current and future), both current and past. This is complemented by comprehensive CSA collateral management capabilities and liquidity forecasting - vital in today's volatile commodity markets.

Axe Credit Portal, axefinance’s powerful integrated software for loan origination automation, is available as a locally hosted solution or as a SaaS solution (cloud). Axefinance was founded in 2004 and is a global provider of software that focuses on credit management automation for financial institutions (traditional, Islamic, etc.). Looking for a competitive edge in productivity and customer support for all client segments: corporate, retail, and SME. axefinance is a trusted financial partner to respected global financial institutions such as Societe Generale and Al Rajhi Bank, Banque Internationale de Luxembourg, First Abu Dhabi Bank, and Banque Internationale de Luxembourg. ACP users enjoy increased profitability, greater productivity, and customer satisfaction, while staying current with ever-changing compliance regulations

We provide a single credit risk management system that covers all bases. Square 1 Credit Suite allows community banks to benefit from the efficiency and accuracy that comes with removing disparate systems. Our commitment to you extends from beginning to end, both in your lending process as well as as a valued customer. Our single solution is the best way to manage credit risk at your institution. Square 1 Credit Suite can be used to manage your loan portfolio, whether it's a legacy system or a newer system. We are the experts in single-point solutions. Our team of experts has over 20 years experience and will help you through every step to ensure that your transition to greater efficiency, accuracy, and speed is seamless.

Model building software for today's machine learning age incorporates credit risk modelling expertise spanning over thirty years. Modeller is a flexible, transparent, interactive, and feature-rich tool that helps organizations get more out of their analytical teams. It allows for a variety of techniques, rapid development of powerful models, full explanation, and advancement of less experienced members of the team. You can choose from a variety of modeling techniques, including machine-learning, to achieve optimal predictive accuracy, especially when working with complex interrelationships and multicollinearity. At the touch of a button, you can create industry-standard binary and continuous target models. You can use decision tree modeling with CHAID trees and CART. You can choose from logistic regression, elastic network models, survival analysis (Cox PH), random forest, XGBoost and stochastic gradient descend. SAS, SQL and PMML are all available export options for use in other scoring and decisioning programs.

At Creditsafe, we know how tough it is to protect and grow your business long-term, especially in the current turbulent economy. With supply chain disruptions, labor shortages and the rising costs of supplies, it can sometimes feel like the odds are stacked against you. But the good news is that you can take back control of your business growth by vetting potential and existing customers to make sure they can and will pay their invoices on time. Creditsafe holds business data on over 365 million companies across 160+ countries worldwide, providing you with the most accurate and unbiased commercial payment data that is: • Updated up to 5 million times a day to include credit scores and limits, financial information on up to three years of annual accounts, bankruptcies, judgments and lawsuits • Compliance data verified by over 35,000 trusted sources globally • Intelligently designed to predict up to 70% of business failures 12 months in advance • Responsible for shaping 1.06 million business decisions daily • Trusted and used by over 110,000 businesses worldwide, including BMW, Volvo, Viacom, Panasonic and Nestle

ACTICO Platform is a powerful tool for intelligent automation and digital decisions. It combines human intelligence and artificial intelligence with automated technology. It is easy to quickly implement services and applications using a unified low-code platform. This allows you to adapt quickly to market changes. ACTICO Platform is easy to use and gives you more power for your business. The graphical development approach allows users to quickly build, implement, and adapt intelligent apps and services without the need for coding. ACTICO Platform is designed for agility. Companies can quickly launch new services and applications, and make all kinds of changes. They don't need IT support and don't have to wait for the next IT release. ACTICO Platform can meet even the most demanding performance requirements. The runtime components can seamlessly integrate into any IT architecture, whether it is legacy system, microservice architecture, or cloud environment.

Brighterion has revolutionized artificial Intelligence for more than 20 years. Our AI solutions prevent fraud in payment and acquirer payments, reduce credit risk, delinquency, and healthcare fraud. Your growth possibilities are endless with our extraordinary scalability. With powerful personalization, your business goals can be defined by the models. With AI Express, you can get the full power of Brighterion AI within 6-8 weeks. Advanced AI can sound complicated. We also understand that the idea of moving from legacy rules-based systems and into something new can seem overwhelming. Imagine if all the risk was removed so that you could test drive your model in as little as 6-8 weeks. After seeing the ROI and how the models outperforms the rules, you are ready to deploy.

Financial institutions can fully automate their compliance and risk management processes with AI-driven technology. Continuity, a RegTech solution, automates risk, compliance and vendor management for the financial service industry. It integrates the required processes of compliance and risk to improve performance. Continuity reduces regulatory burden and mitigates risks by combining cloud technology with regulatory expertise. Our solution has been adopted by hundreds of financial institutions in the United States. Continuity's enterprise-risk management (ERM), compliance, vendor, performance management, and compliance systems are designed to meet the needs of banks, credit unions and mortgage companies of all sizes. A robust platform designed for efficiency and flexibility.

Total Bank Solutions combines industry knowledge, superior business processes, and proprietary technology to provide flexible wealth management solutions. Cash investors have the option to receive extended FDIC insurance. Participating banks also have a stable, diversified, and cost-effective source of deposit funding. It supports reciprocal deposits being placed as part of a single integrated deposit sweep solution. TBS is a leader in insured deposit programs, with more than $80 billion in assets under administration (AUA). TBS Loan Management System (TBS) is an end to-end, securities-based lending platform that connects banks and intermediaries with excess lending capacity to their clients. Advisors and banks now have the ability to offer competitively priced lines of credit that are securities-based. These lines of credit offer lower rates and tax incentives than home equity loans.

Data is the key to unlocking your true potential. Novus works with fund administrators and custodians as well as prime brokers and portfolio management systems to digitize, organize, and manage manager-provided data. You can also retain control by self upload. Any frequency, any transparency level. Novus uses advanced reconciliation technology to verify the timeliness and quality of critical portfolio information. Novus can identify and correct data errors and provide perfect portfolio information. Custom tags can be used to label, bucket and analyze data. Connect other data, such ESG. Compare public filings of thousands of managers. Leverage Novus' proprietary indexes allow you to track the most popular stocks of hedge funds (learn more).

Ethos is an MRM platform that streamlines every stage of the MRM Lifecycle for Financial Institutions. Ethos simplifies complex business processes by utilizing real-time dashboards and automated workflows. The platform ensures compliance with regulatory standards, such as SR 11-7 and OCC 2011-12. It also adheres to NIST, GLBA CCAR Basel III DFAST FASB. Ethos features include Governed Inventories that serve as a single point of truth for all models, promoting trust and alignment between all lines of defence. Its Workflow engine automates and standards the entire MRM Lifecycle, improving operational efficiency and fostering team collaboration. Ethos, built by financial industry experts and delivering accuracy, compliance and resilience, allows organizations to manage traditional and AI driven models effectively.

Our platform provides pre-built APIs to access traditional and other credit data sources. This allows for faster data ingestion, which will allow for better credit decisioning. Pre-configured features that help you make better credit decisions. Powerful predictor library built on years of credit experience. A fully explicable proprietary AI, ML credit modeling methodology that delivers significant lift. Multiple champion challengers can be run simultaneously. Credit models and strategies all in one workflow. Rapid deployment of new credit strategies and models. Our AI credit underwriting models for AI are easy to understand, FCRA compliant, and robust. They can be used to automate adverse action reasoning.

SS&C Algorithmics MDAS provides end-to-end managed services, as well as access sophisticated risk management, analysis and investment decision support tools on a highly scalable platform that doesn't require a large on-premise deployment. SS&C Algorithmics offers features of an on-premise financial solution, but with bundled cloud data. It has an integrated risk framework that covers a wide range of asset classes and provides access to a variety of financial models. SS&C Algorithmics combines turn-key risk services with the flexibility to customize solutions and operational reliability. Cloud Advantage - A highly scalable, flexible, and secure platform that provides more value at lower prices. Advanced Analytics - Comprehensive coverage of asset classes, analytical models, and risk perspectives across instruments and risk factors.

CECL FIT helps you comply with the CECL accounting standard. Our web-based CECL FIT solution, in conjunction with our PCBB Advisors will help you determine the best methods to use for your securities groups and loans. CECL FIT is a web-based solution that allows you to easily review your portfolio reserve and test your assumptions. You can also see instant results with CECL FIT. Institutions with a low loss history or none can quickly get started and find the best solution for each loan or securities segment. Executive dashboard that allows you to instantly see the effects of adjustments. Forward Look with realistic and supported forecasts

The Risk Insight Suite provides you with the most up-to-date information on economic conditions, credit conditions, alternative loan activity, and the performance of loans across the country. Default is the measurement of borrowers who have not paid their bills on time. This is an important piece of data to assess the overall health of the economy. View and compare national credit information and state loan default forecasts, create customizable graphs and report, gain unique insight into the small business economic and access an Opportunity Insights economic tracker.

Credit Pulse automates and digitizes the credit process. It reduces manual effort for credit approvals and continuously monitors portfolios for credit risk. Automated bank and trade references can reduce the time it takes to obtain references from weeks to minutes. Optimize credit allocation across all customers. Credit can be extended and restricted as the risk changes to reduce bad debts by 20%. Notify you of any changes, such as NSFs (non-sufficient funds), bankruptcies (bankruptcy), liens on bank accounts, and changes in credit scores. Manage your entire credit operations, from applications to approvals. You can also monitor your portfolio continuously for credit risk. Credit Pulse offers a streamlined application for credit with pre-filled business information, eliminating the usual 'back and forward'. Save over 1000 hours per year of manual work. The days of manually sourcing data from third parties are over. Credit Pulse centralizes 15+ reliable sources of data, including credit bureau reports. Credit Managers will feel more confident in making decisions, especially for SMBs.

DataView360 was created to make it easier to integrate with external and internal data sources such as fraud and credit bureaus. The software product can be configured to allow customers to select and choose the data that they need within their processes for instant decisioning. DataView360 is a web service application that can be easily integrated into existing infrastructures or external environments. The DataView360 DataEngine has been recognized as an essential tool in dynamic and effective risk management. The Data Engine can be used to access, query and integrate data with any host system or proprietary system. It is equally useful for users who want to upgrade their legacy systems as well those who are looking for a modular, full-scale solution.

Effectively manage customer touchpoints, measure feedback in real time, improve customer experience, and gain valuable insights based upon smart data and analysis. No matter if you are a large multimarket company or a small startup, our market-leading Risk- and credit management solutions can be tailored to meet your needs. Our Analytics Services are a bespoke solution that meets your specific needs. They can help you improve customer relationships, reduce waste, and improve performance. No matter if your business requires data about individuals, households, companies, or industries, we can provide it via API's or web services.

SRA Watchtower is a general ledger that tracks all critical risk activities. It is the single source for truth for all risk and performance indicators, giving you a comprehensive record of where you have been. SRA Watchtower's veteran banking professionals provide continuous data and insights that will help you see and solve potential risks before they become impossible to solve. SRA Watchtower gives bankers, credit union leaders, and insurance executives the most up-to-date, relevant, and accurate information to make quick and informed decisions that will help ensure the future success of their organizations. SRA technology was developed and implemented by former leaders in all areas of consumer and commercial banking, financial service and credit unions.

All major branches of risk management rely on the same core analytics techniques. Kamakura was the first company to offer an integrated enterprise risk management solution in 1993. Kamakura Risk Management (KRM), integrates credit portfolio management with market risk management, asset management, liability management, Basel II, other capital allocation technologies, transfer pricing and performance measurement. KRM can be applied directly to operational risk, total risks, accounting and regulatory requirements by using the same analytical engine GUI and reporting. Kamakura's vision for risk management: a fully integrated solution to manage risk based on common assumptions.