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

 

Explore

What we do

ACQUISITION

Use a direct sales model or massive processing to generate a prequalified clients list based on risk exposure.

ONBOARDING     

Start the process with mobile onboarding, electronic file generation and ID validation.

CREDIT ANALYSIS     

Create a multi-score card of the client using alternative scoring mechanisms.      

CORE     

Customize the core to the business model by creating products, processing transactions and managing the portfolio.      

PORTFOLIO MANAGMENT     

Develop an efficient portfolio management strategy using predictive financial models and dynamic cube analysis

COLLECTIONS     

Create a better collections strategy based on client behavior and real-time analytics.

Competitive Edge

Our PaaS 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.

PROFILES

We build a client profile using data mining, business intelligence, credit analysis and behavioral science. This method allows a dynamic aggregation of data from any source or structure to give you a holistic view of the client’s behavior and risk.

ID Information

Demographics Information

Socioeconomic Information

Financial Information

Payment Behavior

Multi-score Card

ELECTRONIC FILE

We continuously digitalize information of the process of the loan and build a digital file of the client, including a digital loan application with electronic signature. Additionally, we have incorporated Optical Character Recognition (OCR) to convert images of the client´s ID and required documents into text.

GEOLOCATION

We use geolocalization to map the end-to-end process of the loan, giving us actionable data to design business strategies for:

+ Sales
+ Collections
+ Marketing
+ Scoring and Geo Classification

CREDIT SCORING 

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 ARQUITECHTURE (PaaS)

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 PaaS makes our solution:

+ Scalable 
Flexible
+ Robust

How we add value

POTENTIAL CUSTOMERS   

We accurately profile potential customers using Data Mining & Machine Learning, generating better loans and reducing defaults.

MULTI-SCORE CARD

We use a Multi-Score card approach, using traditional and alternative scoring mechanisms in order to have a comprehensive view of the risk associated with each client.

MODULAR SOLUTION

We are a PaaS which makes our solution modular, it can be interconnected and assembled in various configurations to fit the your needs.

CLOUD-BASED

We make changes and scale at a faster, more efficient rate than a traditional system by being a cloud-based platform.

OMNI-CHANNEL

We have an omini-channel solution, built on multiple layers of micro-services and systems, allowing you to access it via app, web or API.

App
Web
API

OUR TECHNOLOGIES

Our platform is built on multiple layers of microservices which makes it possible to make changes, balance and scale faster than with a traditional system.

                                      

Contact us

CONTACT INFORMATION

Vía 4 1-00 zona 4 Edificio Tec 2 Oficina 702, Guatemala City, Guatemala

+502 2445-4945

admin@bowpi.com