Proven AI for

Digital Banking

Transform BFSI with Machine Learning

Increase Profitability, Reduce Risks, Optimize Customer Experience
Utilizing AI/ML & Behavioral Analytics

up to 99% accuracy

REDUCE Non Performing
Loans by 30-50%

in 60 seconds

75% faster

Why AI for Banking

Machine Learning/Deep Learning can help Lenders anticipate, resolve and reduce costs and risks by automating intelligent credit scoring and predicting Non-Performing Loans (NPL). Intelligent selling can be hyper-automated and enabling personalized product offerings targeted at the right customer at the right time.

Increase Profitability &
Reduce Risks

There is a marked increase in non-performing loans (NPL) and loan defaults since the Global Pandemic (COVID-19). Prediction is historically a very labor intensive process. Applying AI to improve the predictive power across various types of loans can help reduce risk - both in the number and size of Non-Performing Loans. When potential Non-Performing Loans are predicted early, and proactively resolved before going to collection, both cash flow and stock price can benefit. Future profitability increases as the NPL ratio decreases.

Optimize Customer Experience

Customers can obtain loan decisions in 30 to 60 seconds when proven AI technology is applied to rapidly assess credit worthiness beyond FICO scores. With intelligent credit-scoring, loan decisioning is rapid and timely. Banks can proactively up-sell and cross-sell customers with aptly targeted products using intelligent sales hyper-automation.

Utilize AI/ML & Behavioral

Banks can utilize Artificial Intelligence/Machine Learning, Neural Networks, Natural Language Processing, & and innovative Behavioral Analytics on their digital transformation journey. Proven AI Technology can provide strong competitive differentiation. Sophisticated ML models can be applied to massive datasets to create better output. Continuously self-learning models can be explained - providing “Explainable AI”.

How can Capton Help Customers?

Non-Performing Loans Early Warning System

Intelligent Credit Scoring

Intelligent Sales Hyper-Automation

NPL Early Warning System (EWS):

Early Warning System to Predict NPL (Non-Performing Loans) at 90+% accuracy in 3,6,9,12 month horizons

To minimize NPL’s, it is critical to have early prediction. Capton AI NPL EWS Leverages over 160 data points for prediction modeling with up to 99% accuracy depending on existing datasets. Rapid training across multiple risk models enables the solution to predict 3. 6. 9 and up to 12 months in advance of an NPA becoming a distressed loan.

Intelligent Credit Scoring (ICS)

Automated Credit Scoring combined with Decision Intelligence to Enable 60-second Consumer Credit worthiness & Onboarding

To proactively manage risk, it is useful to have credit worthiness scoring that goes beyond FICO and traditional methods. Capton AI ICS provides AI-based social scoring of prospects and customers to provide an overall lending risk score in 60-90 seconds.

CAPTON™ AI ISHA (Intelligent Sales Hyper-Automation)

Effective targeting of the right product to the right customer at the right time

To optimize a customer’s experience requires knowing the customer propensity for a particular product as well as where they are in their journey. Capton AI ISHA enables AI-powered intelligent hyper-automation well beyond traditional recommendation engines for a seamless experience for both customers and sellers. Sales can achieve their targets with increasing precision.

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