What We Do?
We help Financial Institutions improve their Return on Assets (ROA) through the use of Machine Learning based Credit Decisioning and Quantum based Asset Liability Optimization under a Hybrid Model.
Our machine learning platform combines experimental data with multiple data elements provided by clients to deliver predictive analytics for real-time decision making. The platform uses proprietary machine learning algorithms to find anomalies and patterns based on historical and real-time data for decisions on loans, mortgages, trade credit, etc.
We solve multi-period stochastic optimization problems using a Hybrid Classical+Quantum model. Our algorithms leverage the power of Quantum Computing to derive optimized samples of potential optimal solutions for Asset Liability Management to help Financial Institutions improve their Return on Assets (ROA) on their Banking Book.
Predictive Machine Learning
Our hybrid solutions can be leveraged to support predictive analytics and mapping outcomes based on assumptions.
Why Choose us?
Innovative Hybrid Solutions that combine Classical approaches with the power of Quantum.
Research based Solutions
Our solutions are based on over 1400 Classical experiments and numerous Quantum experiments.
Easy to Implement
Simple API’s and Simulation Engine so you can test.
We understand that one size does not fit all. We work with you to customize our solution to help you meet your objectives.
Read about Machine Learning and Quantum Advances, tools and more.
About two years ago, I had a meeting with the Chief Risk Officer of a large sub prime lender in Toronto. Business was booming, delinquencies were high but contained within a range and the CRO was disinterested in using Machine Learning for Credit Decisioning. He felt that his algorithms were time tested, adaptive in his mind didn’t mean much and he just saw this as incremental costs for his business. He had built a large army of thirty people just for underwriting and didn’t see why he needed to change the approach. We just agreed to disagree.
You are pre-approved in 5 minutes says the advert by a lender. Now what does that mean. Nothing much it seems. All it really says is you meet some minimum criteria, but we cannot take you at your word, so we need to see documentary evidence and pull a credit score. Two days or more and a day or two to receive the money in your account. This does not sound like progress. Back to the future!
A number of loans are provided by banks for small business purposes and hence involve both personal credit and business plan evaluations. Traditional lending is very silo based. You are either a personal borrower or a business borrower. Almost all SOHO borrowing is business borrowing using personal credit.