Pan Finance Spotlight Series: Finexos

Finexos combines advanced AI, behavioural analytics, and real-time data to reduce risk, costs, and default rates. Its state-of-the-art machine learning platform automates and enhances the credit-decisionmaking process to significantly improve outcomes. The solution enables lenders to provide safer credit to a broader customer base, potentially reducing companies' default rates by up to 72%, and is designed to cut costs at every stage of the lending cycle.

The integrated platform helps lenders provide a real-time view of a borrower's financial situation and their ability and likelihood to repay. It goes beyond simple affordability assessments by analyzing borrower behaviour and utilizes either live data sources or historical transaction data when live data sources are unavailable to deliver significantly more accurate results.

No personally identifiable information (PII) is required or accepted, which removes bias. The platform can be rapidly integrated through APIs. Finexos not only delivers real-time data credit decision-making at the point of origination but also enables affordability and vulnerability monitoring throughout the life of a loan. This includes early detection of financial distress and higher risk of default. Additionally, Finexos offers all Fintech Market clients a highly accurate complimentary Loan Book Vulnerability Assessment (LBVA) of their existing loan books.

Meet Management Team

Darren Smith - CEO

Alex Minshall - Chief Technology Officer

Thomas Belli - Head of Operations

Finexos aims to empower lenders with cutting-edge tools to enhance their credit decision-making processes, reduce default rates, and improve overall lending outcomes through innovative AI and real-time data solutions.