Technology

A man smiling and a list of some of our benefits for customers: Rate Reduction, Free FICO® Score, Fair Risk Evaluation, Financial Education, and Easy to Apply.

How ADF helps

We believe the problem isn't risky customers. It's the way financial institutions have treated them. And so we built an innovative, AI-powered financing platform that alows us to match customers with loans they can afford to repay at risk-appropriate rates.

Our AI models offer a better way to measure credit risk

  • Refined over 9 years
  • Trained on more than 121 million data points
  • Drawing on more than 30,000 predictive variables
Bar graph showing our predictive power increasing as our models and data become better over time, from years 2015 to 2021. Starting from an Industry Benchmark (footnote 1) in 2015, our predictive power has increased by 2.5 times the industry benchmark as of 2021.
An illustration of the cycle of Lean Six Sigma methodology: Define, Measure, Analyze, Control, and Improve.

Our culture of continuous innovation transcends the business

  • We operate under a Lean Six Sigma methodology
  • We leverage data science, artificial intelligence and machine learning not just to assess credit and fraud risk...
  • ...but also for marketing, prepayment, conversion, compliance and customer service

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