Bank Account Insights (BAI)

Spotcap BAI is an off-the-shelf web service application that provides real-time in-depth bank account analytics on SMEs including a determination of an eligible credit limit, probability of default, profiling, adverse transaction categorisations, segmentation analysis and other factors.

Bank Account Insights (BAI)

Spotcap BAI is an off-the.shelf web service application that provides real-time in-depth bank account analytics on SMEs including a determination of an eligible credit limit, probability of default, profiling, adverse transaction categorisations, segmentation analysis. and other factors.

Overview

Key Features

  • Presents an easy-to-use interface covering all categories of the case analysis with possible additional features options to offer end-to-end underwriting.
  • Clusters company’s transactions based on groups using data analytics and generates bank account statistics ranging from monthly in- and outflows, end of day balance and concentration-risk.
  • Allows assessing operational resilience of the SME client during and after COVID-19 economical changes based on changes in dynamics of the bank account profile.
  • Supports importing of all the major bank transaction input formats and produces exportable PDF or CSV report formats. API-only integration is also available.

Bank Risk Analytics Report

Credit Limit

Based on the customer‘s available capital and average liquidity buffer. A range is provided to account for different product terms.

Default Probability Score

Derived applying machine learning techniques using the customer‘s cash profile, based on several years of SME loan performance across countries and 200+ unique attributes tied into a strong performing risk model.

Detailed Profiling

Including transactions characteristics, balance volatility, outflow deviation and balance drops.

Transaction Categorisation and Customisation

Assessment of transaction semantics and model customisation possible for premium version.

Borrower Deep Dive Analyses

Semantic Transaction Analysis

All inflows and outflows for the period of consideration including main semantics labels to detect adverse borrower information (e.g. new lending obligations, dishonoured payments, etc.,) which impact the likelihood of default.

Model Insights

Bank Risk Analytics Model incorporates various insights provided from peer comparisons, highlighting balance volatility and sudden drops, as well as inflow and outflow deviations.

Segmentation analysis

Based on clustering approaches, all main inflows and outflows are grouped to detect concentration risks and trends related to both customers and suppliers.

Special: COVID-19 Indicator

Additional statistics are applied to measure the stability of various key bank account aspects. Leverage of population stability index (PSI) as a metric to measure shifts in the bank account profile over time comparing the period pre-COVID-19, lockdowns and the current situation.

  • Bank balance
  • Inflows
  • Outflows
  • Transaction health
  • Concentration

Overview

Key Features

  • Presents an easy-to-use interface covering all categories of the case analysis with possible additional features options to offer end-to-end underwriting.
  • Clusters company’s transactions based on groups using data analytics and generates bank account statistics ranging from monthly in- and outflows, end of day balance and concentration-risk.
  • Allows assessing operational resilience of the SME client during and after COVID-19 economical changes based on changes in dynamics of the bank account profile.
  • Supports importing of all the major bank transaction input formats and produces exportable PDF or CSV report formats. API-only integration is also available.

Bank Risk Analytics Report

Credit Limit

Based on the customer‘s available capital and average liquidity buffer. A range is provided to account for different product terms.

Default Probability Score

Derived applying machine learning techniques using the customer‘s cash profile, based on several years of SME loan performance across countries and 200+ unique attributes tied into a strong performing risk model.

Detailed Profiling

Including transactions characteristics, balance volatility, outflow deviation and balance drops.

Transaction Categorisation and Customisation

Assessment of transaction semantics and model customisation possible for premium version.

Borrower Deep Dive Analyses

Semantic Transaction Analysis

All inflows and outflows for the period of consideration including main semantics labels to detect adverse borrower information (e.g. new lending obligations, dishonoured payments, etc.,) which impact the likelihood of default.

Model Insights

Bank Risk Analytics Model incorporates various insights provided from peer comparisons, highlighting balance volatility and sudden drops, as well as inflow and outflow deviations.

Segmentation analysis

Based on clustering approaches, all main inflows and outflows are grouped to detect concentration risks and trends related to both customers and suppliers.

Special: COVID-19 Indicator

Additional statistics are applied to measure the stability of various key bank account aspects. Leverage of population stability index (PSI) as a metric to measure shifts in the bank account profile over time comparing the period pre-COVID-19, lockdowns and the current situation.

  • Bank balance
  • Inflows
  • Outflows
  • Transaction health
  • Concentration

Our Subscription Plans

Per Usage

€0 / month

  • €100 per report
  • Customer care response within 72h

Basic

€2000 / mo

  • 100 reports
  • €15 per additional report
  • Customer care response within 72h

Standard

€5000 / mo

  • 500 reports
  • €9 per additional report
  • Customer care response within 24h
  • Automated reports via XML, CSV or REST
  • Country and market customisation

Dedicated

Custom

  • Negotiable number of reports
  • Customer care response within 24h
  • Automated reports via XML, CSV or REST
  • Country and market customisation
  • Dedicated environment
  • High volumes of data processing
  • Prognosis model builder & tuning