The AI Engine is a powerful end-to-end modelling platform that accelerates the development and deployment of high-performing AI models. Designed to support diverse business needs, it empowers financial institutions to drive smarter decisions, optimize operations, and stay ahead in an ever-evolving market.
Discover Product Details
ApPello’s AI Engine allows organizations to easily use modern AI prediction models without the need for a large group of Data Scientists. This world-class predictive analytics software serves several business scenarios and enables centralised tracking and management of all models.
Discover Product Details
ApPello’s AI Engine allows organizations to easily use modern AI prediction models without the need for a large group of Data Scientists. This world-class predictive analytics software serves several business scenarios and enables centralised tracking and management of all models.
Discover Product Details
ApPello’s AI Engine allows organizations to easily use modern AI prediction models without the need for a large group of Data Scientists. This world-class predictive analytics software serves several business scenarios and enables centralised tracking and management of all models.
Discover Product Details
ApPello’s AI Engine allows organizations to easily use modern AI prediction models without the need for a large group of Data Scientists. This world-class predictive analytics software serves several business scenarios and enables centralised tracking and management of all models.
AI Portfolio
AI Portfolio
Credit Scoring
Our model family estimates the Probability of Default (PD) for both retail and corporate customers using data such as demographics, behavior, and income etc.. The results can inform credit decisions independently or in combination with traditional scoring models, subject to local regulations.
Early Warning
ApPello's machine learning-based model efficiently identifies retail and SME exposures likely to become delinquent, enabling proactive intervention by the bank. Additionally, the model predicts which exposures are expected to self-cure and which require action.
Early Warning
ApPello's machine learning-based model efficiently identifies retail and SME exposures likely to become delinquent, enabling proactive intervention by the bank. Additionally, the model predicts which exposures are expected to self-cure and which require action.
Collection Optimization
ApPello’s model family enhances the collection process by predicting which delinquent customers are likely to self-cure and determining the optimal treatment for the rest. It also assesses customer cooperativeness, helping the bank efficiently allocate its efforts.
Propensity to Buy
ApPello’s AI Engine (ML) helps identify potential customers likely to engage with business offerings, such as opening a new account or taking out a loan, giving the bank a competitive edge. Our proven track record shows a significant increase in targeting genuinely interested customers, enabling the bank to optimize resources and enhance acquisition strategies effectively.
Propensity to Buy
ApPello’s AI Engine (ML) helps identify potential customers likely to engage with business offerings, such as opening a new account or taking out a loan, giving the bank a competitive edge. Our proven track record shows a significant increase in targeting genuinely interested customers, enabling the bank to optimize resources and enhance acquisition strategies effectively.
Collection Optimization
ApPello’s model family enhances the collection process by predicting which delinquent customers are likely to self-cure and determining the optimal treatment for the rest. It also assesses customer cooperativeness, helping the bank efficiently allocate its efforts.
Main Benefits
Main Benefits
Tailored solutions for any need, from low/no-code to full customization
Effortless integration of existing AI models
Unified data sources for richer, more accurate predictions
Supports financial functions and Basel II,
III indicator calculations
Transparent, explainable AI for better decision-making
Automatic documentation, saving time and reducing manual work
Seamless deployment and integration with existing services
Workflow
Workflow
Product features
Product features
Flexible Solution Options
The solution supports both low/no-code configurations and fully customizable solutions, allowing financial institutions in lending to tailor AI models according to their operational needs, risk appetite, and regulatory environment. This flexibility enables to comply with local regulations and adjust AI tools as market conditions evolve.
Flexible Solution Options
The solution supports both low/no-code configurations and fully customizable solutions, allowing financial institutions in lending to tailor AI models according to their operational needs, risk appetite, and regulatory environment. This flexibility enables to comply with local regulations and adjust AI tools as market conditions evolve.
Flexible Solution Options
The solution supports both low/no-code configurations and fully customizable solutions, allowing financial institutions in lending to tailor AI models according to their operational needs, risk appetite, and regulatory environment. This flexibility enables to comply with local regulations and adjust AI tools as market conditions evolve.
Flexible Solution Options
The solution supports both low/no-code configurations and fully customizable solutions, allowing financial institutions in lending to tailor AI models according to their operational needs, risk appetite, and regulatory environment. This flexibility enables to comply with local regulations and adjust AI tools as market conditions evolve.
Effortless AI Integration
The platform facilitates the integration of pre-existing AI models into the lending ecosystem, supporting common industry tools such as credit scoring models, fraud detection systems, and loan origination systems. This allows for a smooth transition, reducing the complexity of adopting new AI technologies while enhancing predictive capabilities, such as assessing credit risk or customer defaults.
Effortless AI Integration
The platform facilitates the integration of pre-existing AI models into the lending ecosystem, supporting common industry tools such as credit scoring models, fraud detection systems, and loan origination systems. This allows for a smooth transition, reducing the complexity of adopting new AI technologies while enhancing predictive capabilities, such as assessing credit risk or customer defaults.
Flexible scorecard definition
The platform facilitates the integration of pre-existing AI models into the lending ecosystem, supporting common industry tools such as credit scoring models, fraud detection systems, and loan origination systems. This allows for a smooth transition, reducing the complexity of adopting new AI technologies while enhancing predictive capabilities, such as assessing credit risk or customer defaults.
Effortless AI Integration
The platform facilitates the integration of pre-existing AI models into the lending ecosystem, supporting common industry tools such as credit scoring models, fraud detection systems, and loan origination systems. This allows for a smooth transition, reducing the complexity of adopting new AI technologies while enhancing predictive capabilities, such as assessing credit risk or customer defaults.
Unified Data Sources
Financial institutions can integrate data from a wide range of sources—transaction data, credit reports, payment histories, and alternative data such as social media and purchase behavior—into a single AI model. This consolidated data approach ensures more accurate creditworthiness assessments, enabling better decision-making and reducing the risk of loan defaults.
Unified Data Sources
Financial institutions can integrate data from a wide range of sources—transaction data, credit reports, payment histories, and alternative data such as social media and purchase behavior—into a single AI model. This consolidated data approach ensures more accurate creditworthiness assessments, enabling better decision-making and reducing the risk of loan defaults.
Unified Data Sources
Financial institutions can integrate data from a wide range of sources—transaction data, credit reports, payment histories, and alternative data such as social media and purchase behavior—into a single AI model. This consolidated data approach ensures more accurate creditworthiness assessments, enabling better decision-making and reducing the risk of loan defaults.
Unified Data Sources
Financial institutions can integrate data from a wide range of sources—transaction data, credit reports, payment histories, and alternative data such as social media and purchase behavior—into a single AI model. This consolidated data approach ensures more accurate creditworthiness assessments, enabling better decision-making and reducing the risk of loan defaults.
Transparent AI
Transparency in AI-driven decisions is critical in financial services, particularly for compliance with regulations like the Fair Lending Act or GDPR. The platform provides detailed, interpretable insights into how AI models make decisions, offering credit analysts clear explanations for loan approvals or rejections, which helps build trust with regulators and customers.
Transparent AI
Transparency in AI-driven decisions is critical in financial services, particularly for compliance with regulations like the Fair Lending Act or GDPR. The platform provides detailed, interpretable insights into how AI models make decisions, offering credit analysts clear explanations for loan approvals or rejections, which helps build trust with regulators and customers.
Transparent AI
Transparency in AI-driven decisions is critical in financial services, particularly for compliance with regulations like the Fair Lending Act or GDPR. The platform provides detailed, interpretable insights into how AI models make decisions, offering credit analysts clear explanations for loan approvals or rejections, which helps build trust with regulators and customers.
Transparent AI
Transparency in AI-driven decisions is critical in financial services, particularly for compliance with regulations like the Fair Lending Act or GDPR. The platform provides detailed, interpretable insights into how AI models make decisions, offering credit analysts clear explanations for loan approvals or rejections, which helps build trust with regulators and customers.
Automatic Documentation
The platform automatically generates the necessary documentation for compliance and audit purposes, including data lineage, model parameters, and decision outcomes. This is essential in lending, where regulators require detailed records of how credit decisions are made and which data was used in the process, ensuring both compliance and traceability.
Automatic Documentation
The platform automatically generates the necessary documentation for compliance and audit purposes, including data lineage, model parameters, and decision outcomes. This is essential in lending, where regulators require detailed records of how credit decisions are made and which data was used in the process, ensuring both compliance and traceability.
Automatic Documentation
The platform automatically generates the necessary documentation for compliance and audit purposes, including data lineage, model parameters, and decision outcomes. This is essential in lending, where regulators require detailed records of how credit decisions are made and which data was used in the process, ensuring both compliance and traceability.
Automatic Documentation
The platform automatically generates the necessary documentation for compliance and audit purposes, including data lineage, model parameters, and decision outcomes. This is essential in lending, where regulators require detailed records of how credit decisions are made and which data was used in the process, ensuring both compliance and traceability.
Seamless Deployment
AI models can be effortlessly deployed into existing loan origination systems and core banking technologies. This ensures that models used for fraud detection or automated underwriting integrate smoothly into current workflows, maintaining system integrity and minimizing operational downtime.
Seamless Deployment
AI models can be effortlessly deployed into existing loan origination systems and core banking technologies. This ensures that models used for fraud detection or automated underwriting integrate smoothly into current workflows, maintaining system integrity and minimizing operational downtime.
Flexible scorecard definition
AI models can be effortlessly deployed into existing loan origination systems and core banking technologies. This ensures that models used for fraud detection or automated underwriting integrate smoothly into current workflows, maintaining system integrity and minimizing operational downtime.
Seamless Deployment
AI models can be effortlessly deployed into existing loan origination systems and core banking technologies. This ensures that models used for fraud detection or automated underwriting integrate smoothly into current workflows, maintaining system integrity and minimizing operational downtime.
Are you interested?
Want to learn more about how our platform can modernize your bank?
Just schedule a call with one of our experts. We're here to help.
Are you interested?
Want to learn more about how our platform can modernize your bank?
Just schedule a call with one of our experts. We're here to help.
Are you interested?
Want to learn more about how our platform can modernize your bank?
Just schedule a call with one of our experts. We're here to help.
Are you interested?
Want to learn more about how our platform can modernize your bank?
Just schedule a call with one of our experts. We're here to help.