Unlock AI-Powered Financial Insights

Transaction Categorization: Transform raw transactional data into actionable information. 
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Customer Analytics: Assessing categorized transactional data to generate valuable analytics.

Affordability scoring : A numerical rating that assesses a customer's ability to afford a loan based on their transactional data.

Once your data has been enriched, our AI technology will recognize key indicators with the data to determine a numerical rating that assesses a customer's ability to afford a loan based on their transactional data. Read more about Affordability scoring here

First it all starts with your customers. Before the process can begin they have to give permission on their banking application to enable Open Banking services. Once you have the customer’s consent, only transactional data is securely collected from the customer’s account into our Transaction Categorization process. Where we use artificial intelligence mixed with machine learning to categorize the transactions and identify the entities involved. From there the Enriched data is served on a silver platter back to your customers, allowing them to harness better value from your platform. 

Similar to Transaction Categorization, it all starts with your customer’s Open Banking consent. Afterwards only transactional data is securely collected from the customer’s account into our Customer Analytics process. Where it is first categorized, if necessary and then digested by our algorithm to pull valuable insights that allow you to learn more about your customers using a mixture of artificial intelligence and machine learning.

Yes, FOCAL customizable platform capabilities enables a tailored Financial Insights and Credit Risk solution to our client’s unique needs and risk profiles. Allowing you to select what products and features they need.

Yes, any of FOCAL products can be used separately if the existing infrastructure can support it. 

We understand the complexity of different organization’s goals, timelines and infrastructure. Hence FOCAL is built around the concept of adaptability. Choose what works best for you, integrate our technology through API or adopt our user friendly UI for instant functionality.

Financial insights enable businesses to make data-driven decisions. By deeply understanding your customers you can ensure successful loan allocations. Minimizing losses and increasing lending profitability. Spearheading rapid growth for your business. 

Absolutely, FOCAL is designed to adhere to industry standards and regulatory requirements, helping you maintain compliance and avoid potential legal repercussions.