Platform

A combination bar and line graph showing cumulative loan originations and number of loans between June 2015 and June 2022. The bar graph shows growth from near zero to 1.2 billion in cumulative loan originations. The line graph shows growth from 17 to 304,016 loans.

Our platform is highly scalable

  • AI-driven underwriting engines enable highly automated decisions
  • Artificial intelligence performance increases with scale
  • Our 100% digital lending platform is engineered to be deployed into new applications and asset classes
  • 91% of the loans are fully automated

More predictive than industry benchmarks

Rich datasets and unmatched AI power the accuracy of our scalable, real-time credit decisioning systems.

A list of applied data finance’s features: Predictive analytics with 2-3 times more predictive power than industry benchmarks (footnote 1), Data-driven with over 110 million data points, AI powered with over 30,000 predictive variables, and realtime with a 100% digital process
Man smiling at his phone, surrounded by illustrations of the loan process: a prequalification letter, a computer, analytics, approval, and disbursal of funds.

Our unique approach sets us apart from other FinTech platforms

  • Uses next-generation underwriting, a fully automated approach with data- and optimization-driven characteristics
  • Leverages knowledge of consumer behavior across the full credit spectrum, enabling us to effectively price, manage, and monitor risk at a higher level
  • Incorporates risk, prescreen, conversion, fraud, and lifetime profitability models

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1 AI models’ predictive performance measured using the Kolmogorov-Smirnov (KS) statistic on the ADF portfolio.