Client: A large Moscow bank

Description: AI-based credit risk estimation, using an extended questionnaire and neural networks for cases when there is no credit history available.

Special challenge: Create an advanced, automated credit scoring technology for individuals with no previous credit history.

The system:

• collects and stores client questionnaires and creates an audit trail of all interactions with them and their affiliates;
• uses neural networks to analyze client information, determine credit risk, and provide a credit score; and
• integrates with both the call center module and the bank’s core financial system.

The implemented system has all the features of a typical financial services high technology CRM.

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