Spotcap Decision Engine & Risk Analytics

Standing at the core of our proprietary lending platform, our decisioning technology includes numerous risk profiling services that optimise — and in some cases fully automate — the underwriting process.

Business Bank Account Insights

Embedded into a stand-alone API which can be accessed by authorised third parties, our proprietary risk technology analyses small business customers based on data from their business bank account.

  • Instant risk assessment of a business customer based on a minimum of 180 days of business bank account transactions
  • Default probability score calculated by state-of-the-art machine learning techniques using the customer’s cash profile and years of performance data
  • Various additional insights provided from comparisons with peers, highlighting balance volatility and sudden drops, as well as inflow and outflow deviations
  • Credit amount recommendation based on comprehensive affordability checks and the customer’s available capital
  • Customisation of transactions’ semantics and overall model possible for premium products

Standard

  • Customer default probability score
  • Customer profile & insights
  • Credit amount recommendation
  • Descriptive bank account statistics
  • Technical support

Advanced

  • Customer default probability score
  • Customer profile & insights
  • Credit amount recommendation
  • Descriptive bank account statistics
  • Technical support
  • Bank transaction categories with adverse Information
  • Bank transaction risk score

Premium

  • Customer default probability score
  • Customer profile & insights
  • Credit amount recommendation
  • Descriptive bank account statistics
  • Technical support
  • Bank transaction categories with adverse Information
  • Bank transaction risk score
  • Customisation of insights & bank transaction categories incl. additional languages
  • Development and inclusion of custom risk model including ongoing updated parameters

All-Encompassing
Decision Engine

As the core element of our Lending-as-a-Service platform, Decision Engine links seamlessly with our Onboarding and Data Processing modules to provide analysts with vital insights into a customer’s serviceability.

  • Proprietary environment reinforcing underwriting with proven risk parameters, decision rules and workflows
  • An internal dashboard stores the customer’s information from the signup form, uploaded financial documents, connected bank account(s) and authorised 3rd parties
  • Contains risk parameters and insights from financial, bank account and credit bureau information as well as local 3rd party databases
  • Warning signals highlight potential issues related to both financial and non-financial risk elements
  • Depending on your strategic priorities, Decision Engine is able to fully automate each case and deliver an approval or rejection within minutes
  • Once a decision is made, the necessary information is automatically passed to CRM and Customer Service, as well as the loan management system

Leverage your data

null

Deliver fast decisions

Shorten your review times from weeks to hours, or even minutes

null

Visualise large datasets

Assist underwriters with detailed breakdowns and warning signals

null

Use predictive analytics

Forecast a customer’s cash flow profile using transactional data

null

Mitigate risk

Upgrade your analysis with an extensive collection of risk parameters