Finbots.ai provides creditX, an AI‑driven credit‑scoring platform that lets banks and digital lenders create, validate, and deploy custom scorecards in under 24 hours without coding. The solution ingests internal, external and alternative data, applies proprietary high‑accuracy machine‑learning models, and delivers instant (<0.03 s) lending decisions with explainable, compliance‑ready outputs, helping lenders approve more credit while reducing loss rates and operating costs.
Funding
$1.2M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Financial institutions often rely on slow, manual credit assessment processes that produce low‑accuracy scores, leading to high non‑performing loan ratios, limited loan approvals, and elevated operating costs.
Solution
Finbots.ai offers creditX, an AI‑driven credit‑scoring platform that automatically creates, validates, and deploys custom scorecards in as little as one day without any coding. The system ingests internal, external, and alternative data sources, applies proprietary high‑accuracy machine‑learning models, and delivers instant (<0.03 s) lending decisions. Built to meet regulatory standards, creditX provides explainable outputs and integrates via APIs into existing loan origination workflows, enabling lenders to approve more credit, reduce loss rates, and cut operational expenses.
Target Audience
Primary customers are banks, digital lenders, and fintech platforms that originate personal, SME, or credit‑card loans and require fast, accurate, and compliant credit risk assessment.
Features
- No‑code interface for rapid scorecard creation and deployment in under 24 hours
- Automated data ingestion from internal, external and alternative sources with built‑in data treatment
- Proprietary AI/ML algorithms delivering market‑leading predictive accuracy
- Real‑time decision engine (<0.03 s) with fully automated scoring and rule application
- Explainable AI outputs and compliance‑ready validation (MAS Veritas, AI Verify)
- API and web‑dashboard integration for seamless embedding into existing loan systems
- Scalable architecture supporting retail, SME, and credit‑card lending portfolios