The largest trends impacting retail banks in 2020 will be “changing customer behaviour and demands” and “new technologies, such as AI and machine-learning" (The Economist Intelligence Unit 2018).

We are ahead of the curve as we leverage AI and big data to monitor credit risk in real-time whilst delivering an enhanced customer experience. Our risk, analytics and underwriting engine is second to none — powered by data analytics, data science, psychometrics and market data — built by some of the world leaders in technology, marketing, banking and psychology.

With this information, we are able to underwrite based on our customers' current risk profiles and monitor their financial situations in real-time to better understand them.

Our technology infrastructure also ensures we are profitable from an early stage.

• Strict credit parameters can be verified real time 24/7, 365 days/year and approved in minutes
• Personalised products and services by customer segments: demographics, behaviour, attitudes, etc
• Personalised messages for each unique customer
• AI-enhanced customer experiences based on data analysis of customers’ attitudes and needs

Our technology platform demonstrably improves the underwriting process by leveraging:

• Data Engineering: We collect commercially available consumer and lifestyle data sets to enrich our customer data profiles, increase loyalty and identify future customers
• Predictive Analytics: Our advanced data analytics identifies consumer segments that share demographics, beliefs and lifestyles and analyses behavioural traits that drive decisions‍
• Segmentation: Given the financial world’s high volume, accurate historical records and quantitative nature, few industries are better suited for AI technology
• Regulatory compliance efficiency through real-time risk analysis tools

Product offerings continuously evolve based on customers’ and prospects’ needs.