Better predictions, better decisions, better results
Bowpi gives you a sharper competitive edge using a digital transformation model to reduce transaction costs and improve your value chain
What we do
Use a direct sales model or massive processing to generate a prequalified clients list based on risk exposure.
Start the process with mobile onboarding, electronic file generation and ID validation using OCR.
Create a multi-score card using traditional and alternative scoring mechanisms to accurately determine a client´s risk profile.
Customize the core to the business model by creating products, processing transactions and managing the portfolio.
Develop an efficient portfolio management strategy using predictive financial models and dynamic cube analysis
Create a better collections strategy based on client behavior and real-time analytics.
Our Lending as a Service (LaaS) model provides a modular solution with various elements that can be interconnected, and assembled in various configurations to fit your needs. This model makes our solution easy to implement and scale, adapting it to your business strategy and processes.
As part of our credit analysis, we use a multi-score evaluation, built with several scoring mechanisms. The objective is to assign a risk level and weight to each score. The combination of scores strengthens the evaluation of the risk in a loan application, giving you a comprehensive view of the risk associated with each client. The model is constantly re-calibrated using new information as it arises.
PLATFORM ARCHITECTURE (LaaS)
We develop our solutions based on the needs of our client. The architecture of the platform is based on micro-services distributed in different layers, which allow us to increase our capacity and resources upon demand. The platform was designed using the premise of high availability which is why it is distributed in various environments in the cloud. Operating as a LaaS makes our solution:
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