https://store-images.s-microsoft.com/image/apps.34319.9b990340-2a1f-4579-af1c-cfc335c8bcf0.eb5aaaa0-9ceb-42e4-9f5b-839034f518a9.410cc804-b04f-45cc-8eb4-f11b9e13413c
Financial Risk Profiler
Datanomers
Financial Risk Profiler
Datanomers
Financial Risk Profiler
Datanomers
Build risk profiler for your loan applicant.
Datanomers AI (NLP and ML) big data platform builds the use case: Financial Risk Profiler (FRP) to
- Provide leading-indicator credit risk information from the web, summarized in a dashboard, neatly categorized in multiple tabs
- Automate credit risk assessment for commercial underwriting
- Quicker, consistent and better loan outcomes
- Cloud-based solution with fee based on monthly transactions
Web data has latest info on credit, leading-indicator -> complements core financials.
How does FRP differentiate:
- Credit Bureaus web data delayed by manual screening, no longer fresh and latest
- Startups geared towards stock equities, hedge funds, asset managers -> provide financial information from limited number of curated web sites
- FRP provides financial information from a billion web sites (social media, news reports, govt registries, SME website, etc) -> very importantly, adds further value by extracting business intelligence from data to better predict loan outcomes -> intelligence made actionable
Vision for FRP: democratize access to capital, especially for SMEs -> complements the thin financials, with web data, to lend to more, without increasing risk.
Milestones for FRP: 5 banks (BMO, AmEx) and FinTechs (Fundation, Quarterspot) are customers.
Banks need FRP to lend to SMEs with confidence – loan origination and portfolio monitoring:
Underwriter Productivity: Get latest information from billions of web sites about credit risk, neatly categorized for ready consumption -> eliminates keyword-based search engines that hit you with spam -> 10-15% increase in underwriter productivity
Reduce Defaults: Extract predictive intelligence from textual data by combining it with financials -> customized ML model to reduce defaults 5-15%, lend more with same risk -> actionable intelligence
Very easy to trial, no bank IT effort -> transmit anonymized data, we return results
Easily deployable and scalable on the cloud (e.g. Azure VMs, Azure Load Balancer, etc.).
https://store-images.s-microsoft.com/image/apps.27770.9b990340-2a1f-4579-af1c-cfc335c8bcf0.eb5aaaa0-9ceb-42e4-9f5b-839034f518a9.8ac2a361-7ec4-4fb8-b1ff-15cd7bf53347
https://store-images.s-microsoft.com/image/apps.27770.9b990340-2a1f-4579-af1c-cfc335c8bcf0.eb5aaaa0-9ceb-42e4-9f5b-839034f518a9.8ac2a361-7ec4-4fb8-b1ff-15cd7bf53347
https://store-images.s-microsoft.com/image/apps.64600.9b990340-2a1f-4579-af1c-cfc335c8bcf0.eb5aaaa0-9ceb-42e4-9f5b-839034f518a9.5cafe1a4-ad33-484b-81ee-d05b374f43a0
https://store-images.s-microsoft.com/image/apps.47766.9b990340-2a1f-4579-af1c-cfc335c8bcf0.eb5aaaa0-9ceb-42e4-9f5b-839034f518a9.ceaa67ab-6377-4120-87c7-0f2ef0bad7a2
https://store-images.s-microsoft.com/image/apps.11038.9b990340-2a1f-4579-af1c-cfc335c8bcf0.eb5aaaa0-9ceb-42e4-9f5b-839034f518a9.6dd066df-bd3f-4935-8d85-b0fd59c3b43f
https://store-images.s-microsoft.com/image/apps.21724.9b990340-2a1f-4579-af1c-cfc335c8bcf0.eb5aaaa0-9ceb-42e4-9f5b-839034f518a9.40b15059-fb83-4235-9224-54c9bafb13c6
https://store-images.s-microsoft.com/image/apps.57453.9b990340-2a1f-4579-af1c-cfc335c8bcf0.eb5aaaa0-9ceb-42e4-9f5b-839034f518a9.af2cac0d-7fe2-4d0e-8ce7-2b7e8c585d40
https://store-images.s-microsoft.com/image/apps.54594.9b990340-2a1f-4579-af1c-cfc335c8bcf0.eb5aaaa0-9ceb-42e4-9f5b-839034f518a9.dff37314-5eac-4b33-abfd-dbcfe8e40ad6