Pioneer solution for optimizing the profitability of current loans and clients. ARM is based on Artificial Intelligence, predicts non-payment in the admission of risk and in credit assets. ARM suggests and automates actions for the avoidance of defaults and the minimization of the impact on the business.

ARM allows to collect quantitative and qualitative information, adjust predictive models in real time, obtain results and publish those results to the company's current operational systems and their users when they need them.

Success Report

Success Report

Get additional business insight thanks to our AOS solution. Selecting the right KPI will depend on your company and which part of the business you are looking to track. Each department will use different KPI types to measure success based on specific business goals and targets.

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Assessment of ARM Success

The fields of all the tables are described below.

Performance and predictions

Name ColumnDescription
Model IdModel identifier
Date dataDate of the data
Evaluation dateDate of the evaluation
Prediction datePrediction date
Total customersNumber of customers
Total productsNumber of products
Total alertsNumber of customers with default prediction
Total GoodNumber of clients with good prediction
Default ratioPercentage of clients with predictions of default on the number of clients
SENSensibility: Percentage of clients with defaults correctly alerted to the total of customers with defaults
PFAProbability of false alarms: Percentage of clients alerted erroneously with respect to the total number of clients alerted
EFFEfficiency: Percentage of success in predictions

Product types

Name ColumnDescription
Model IdModel identifier
Total consumerNumber of consumer loans
% ConsumerPercentage of consumer products
M€ consumerNet value of consumer loans
Total MortgagesNumber of mortgages
% MortgagesPercentage of products that are mortgages
M€ MortgagesNet value of mortgages
Total CCNumber of credit cards
% CCPercentage of products that are cards
M€ CCNet value of credit cards

Cost effectiveness

Name ColumnDescription
Model IdModel identifier
Date dataDate of the data
Evaluation dateDate of the evaluation
Prediction datePrediction date
M€ alerted€ million in loans alerted
% € alertedPercentage of predicted defaults on total net of products
M€ provisions alertedNet value of predicted provisions
% provisions alerted.Percentage of provisions that have corresponded to defaults
M€ correctly alertedNet value of correctly predicted defaults
M€ false alertsNet value of the false alarms predicted
M€ provisions correctly alertedNet value of provisions predicted with success

Migrations

Name ColumnDescription
Model IdModel identifier
Good → Default 1 monthCustomers with prediction of "Good" in the last month and "Default" in the current
Good → Default 2 monthsCustomers with prediction of "Good" in the penultimate month and "Default" in the current
Good → Default 3 monthsCustomers with prediction of "Good" in the third from last month and "Default" in the current
Default → Good 1 monthCustomers with prediction of "Non-payment" in the last month and "Good" in the current
Default → Good 2 monthsCustomers with prediction of "Non-payment" in the penultimate month and "Good" in the current
Default → Good 3 monthsCustomers with prediction of "Non-payment" in the third from last month and "Good" in the current
New CustomersNumber of clients that were not in the prediction of the previous month but in this one
Lost CustomersNumber of clients that were in the prediction of the previous month but not in this one


Data Visualization

Data Visualization

In the world of Big Data, data visualization tools and technologies are essential to analyze massive amounts of information and make data-driven decisions.

API Services

API Services

It brings the advantages of an API REST service
  • Independence of technologies / languages
  • Reliability, scalability, flexibility
  • User Experience Response of plain text readable by a user
API Client Library

API Client Library

We provide code in customer's own language to help them get started with the API. That’s what a client library does. It helps to reduce the amount of code the application developers have to write, and ensures they’re using the API in the best supported manner. See API client demo.

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Phone

+34 915 211 650
+34 910 547 170

Address

Calle Alcalá, 20
28014 Madrid
Spain