Future-proof BNPL offerings with AI to manage risk, respond quickly to new revenue opportunities and shift as needed to keep pace with the regulatory environment
Harness alternative data beyond traditional credit checks (Behavioral scores, telco info, transactional data, etc) to support AI based credit assessment that will speed customer and merchant acquisition
Match BNPL customers with appropriate credit offers based on their history
Help BNPL providers retrain risk models for significant improvements in decisioning performance.
Provide transparency into automated decisions for pre-approved BNPL loans and recommended payment schedules to ensure customers can afford repayments.
Use datasets with meta-features in a networked context to generate accurate credit scores of individuals by training machine learning models to generate credit scoring models
Capture Network Properties of the Customers
Predictive Modelling to give better credit scores.
Create models and use custom H2O recipes specifically built for generating features/variables that provide associated information about defaulting behavior.
Create models and use custom recipes that generate features/variables that provide a probabilistic estimation of whether customers will perform any of such actions or not i.e. a propensity score.