- 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
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.
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
