About Finexos

Finexos is a fintech innovator leveraging AI, Open Banking, and machine learning to provide real-time financial intelligence, credit risk analysis, and loan book vulnerability insights. With its cutting-edge platform, Finexos enables lenders to assess repayment risk more accurately, identify financial vulnerabilities in loan portfolios, and meet regulatory standards—all without relying on traditional credit scores or borrower personal data. Their mission is to unlock financial opportunities for underserved markets while improving lender decision-making through advanced behavioral insights.

Their core offering is an AI-powered risk engine that integrates over 300 financial data points, allowing lenders to better price risk, assess financial capability, and detect repayment likelihood.

Services & Solutions:

• AI-Powered Financial Capability Metrics

  • Real-time insights into a borrower’s financial behavior and repayment likelihood.

  • Combines over 300 financial indicators with behavioral analysis to assess risk effectively.

• Loan Book Vulnerability Analysis (LBVA)

  • Complimentary analysis that detects risk vulnerabilities in loan portfolios.

  • Helps lenders minimize defaults by identifying potential financial instability.

• Real-Time Decisioning

  • Leverages AI to approve underserved borrowers and identify new customer opportunities previously rejected.

• Regulatory Compliance & Consumer Duty Readiness

  • Tools and insights to ensure compliance with emerging lending regulations.

• Early Warning Systems for Financial Distress

  • Advanced monitoring capabilities to detect borrower financial stress early and mitigate risks proactively.

• Open Banking Data Integration

  • Finexos uses anonymized Open Banking data securely to analyze spending patterns and repayment behaviors without exposing sensitive information.

• AI-Driven Risk Prediction & Affordability Metrics

  • Predict default probabilities and repayment risks by blending machine learning with real-time financial trends.

Finexos offers a data-driven, transparent, and ethical approach to credit risk and lending. With an emphasis on financial inclusion, they are revolutionizing how credit providers assess risk while reducing defaults and enhancing returns on capital employed (ROCE) for financial institutions. Finexos holds an ISO 27001 certification for security and has been accepted into the FCA’s Innovation Pathways and Digital Sandbox—demonstrating innovation leadership within the fintech space.

To Learn more about Finexos please visit: https://www.finexos.io/

Contact @ Finexos

Zitah McMillan, CEO | Email: zitahmcmillan@finexos.io