Fractal Labs

Company Portfolios

$fractal labs$

Data is nothing if not converted to actionable insights and used to make smart business decisions. With our team of scientists and AI developers, innovative bespoke technology solutions, and industry experience, Fractal Labs can simplify your raw data, enabling you to unlock insights for strategic development within your organisation. We turn data into measurable and scalable financial and risk tools. We enable your business to run faster, streamlined and overcome regulatory, financial and fraud challenges.

26m

Loans processed as
technology solution has
evolved

14

Clients

7,1%

Default rate delivered across 5 markets

30%

Improvement in models
predictive strength
(Gini)

AI Solutions

Sales Lab

Scrutinisation of clients’ personal data to optimise leads and define quality and well as which clients are more likely qualify and convert into a sale.

Score Lab

Supervised machine learning to make predictions within seconds. Using financial and psychometric data allows faster more accurate decision making, improving the speed of loan application processes.

Fraud Lab

Identify organized groups of fraudsters, synthetic identities, stolen identities, compromised networks and hijacked devices.

Offer Lab

Transactional behaviour modelling creates opportunity to up-sell, cross sell and identify where improvements can be made on spending habits with product expansion possibilities.

Lender Lab

Reduce risk, eliminate human error, improve turnaround time and improve over all customer experience.

Risk Lab

Seamless provisioning modelling allowing inputs from all other modules delivering IFRS9 compliant models with scenario analytics for macro-economic and SIC-R impact assessments and implementations.

Next generation credit decision engine
A fully autonomous credit decision engine built on four decision pillars of policy rules, scorecards, affordability and market sector risk decisioning.
Uses a supervised machine learning algorithm and data source agnostic, decisions returned within milliseconds.
Strategy solution to shape the impact of each decision area, champion/challenger deployments and immediate retrospective analysis for potential changes.
Transaction Modeling
What information lies within the client’s transactional data?
This is an AI classifier that identifies different transactions based on their descriptions using advanced algorithms and feature engineering.
Automated classification and analysis of transactions ensure consistent and fast results compared to manual processes.
Transactional behaviour modelling creates opportunity to up-sell, cross sell and identify where improvements can be made on spending habits with product expansion possibilities.
Transforming Fraud Detection
To combat fraud, Fractal Labs has developed an AI fraud detection system that characterizes client actions and detects anomalous
behavior.
Dynamic software solution modelling data to determine probability of fraud or identity theft/impersonation.
Identify organized groups of fraudsters, synthetic identities, stolen identities, compromised networks and hijacked devices.
Identify rogue agents or employees modifying or falsifying data for their own gain.
Future-proof your provision modelling
Stage 1 to Stage 2 transitions
NPL Coverage
Provision Level
Provision engine fully supporting IFRS 9 requirements
Independently audited and reviewed User control over macro-economic and SIC-R inputs
Back and forward scenario testing in
real time