ID Finance, the first carbon neutral FinTech in Spain and Mexico.

Credit Intelligence

Data science based financial solutions

Developing credit and operational risk management solutions for global financial institutions. We focus on processing large data arrays, introducing machine learning mechanisms and artificial intelligence.
<1 min
Time decision-making
12M
Loan applications scored
90%
Retention rate
27%
Y-o-Y revenue growth in 2020
70
Spain NPS Score
76
Mexico NPS Score

How do we do it?

Smart scoring

We use a narrow AI that allows risk officers to build, test and validate advanced credit scoring models.
AI Fraud prevention
  • We have enhanced the credit scoring capabilities with the integration o newly developed AI-based fraud-scoring engine.
  • The fraud-scoring engine analyzes data related to the applicant’s authenticity and detects atypical behavior or information anomalies by using biometrics like the time spent filling in the form.

Document recognition

  • Currently, general-purpose computer vision models are most often used for document recognition.
  • Our computer vision model is based on an ensemble of several neural networks, each of which specializes in one type of object to allow processing documents much more accurately.

Client service automation

  • We use a self-learning chatbot that interacts with users and gives them information on financial products, individual recommendations, and financial prudence.
  • Information is processed based on statistical matches covering a wide range of FAQs. Machine learning technology enables the chatbot’s number of answers to increase daily.

Connect with us

[email protected]
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