
Airvantage replaced a defensive rules engine with H2O Driverless AI to score airtime-advance risk in real time and win back creditworthy customers
Airvantage advances airtime credit to prepaid telecom subscribers and carries the risk itself. Its static, rules-based scoring was overly defensive, turning away creditworthy customers, so the team evaluated more than 30 toolkits, ran POCs with four platforms, and chose H2O Driverless AI. Using MOJO scoring, it moved to a machine learning model that scores airtime-advance risk in real time and re-evaluates the customers the old rules engine had rejected.
“With H2O Driverless AI's MOJO technology, we are able to integrate strongly with our current infrastructure.”Maram MishanActuarial Data Scientist, Airvantage
Airvantage is a fintech provider of AI and machine learning digital financial services for underserved markets, giving telecom operators the tools to offer airtime, data, mobile money, and buy-now-pay-later credit to prepaid subscribers. Its Prepaid Airtime Service advances credit to subscribers who need airtime, and Airvantage bears 100% of the debt risk so its operator partners carry no financial exposure.
The company builds personalized financial profiles on unbanked and underbanked customers, using a proprietary profiling system and a dynamic rules engine to extend low-risk, adaptive lending across emerging economies. More at https://www.airvantage.co.za/.