Micro, Small and Medium Enterprises
GFI allows lenders to better assess the risks they are taking when they provide loans. GFI’s advanced AI algorithms help to speed up lending decisions.
Retail Consumers
GFI risk assessments can aid lenders in the grading of consumer credit. GFI not only depicts a consumer’s creditworthiness, but also helps consumers to make better financial decisions over time.
Insurance
GFI credit-based insurance scores can be used to determine an insurer’s premium and minimise insurance claim frauds. It can also be used by an insurance company in the underwriting process and in the rating of customers.
Leasing
GFI credit scores for leasing provide unbiased judgements of human characteristics and behaviour. They are used to assign consumers to tiers of credit according to the risk that they will default on a lease.
Gig Economy
GFI evaluates and protects credit for freelance and gig economy workers without sacrificing their career priorities. GFI does this by processing psychometric, smartphone, and other data points through AI algorithms.
Features
QUICKER LOAN APPROVAL
The credit score and individual analytics reports are generated automatically. Because borrowers themselves are the primary source of data, costly integration and reliance on third-party data are avoided.
ADVANCED ANALYTICS AND REPORTING
GFI credit ratings are calculated using analysis of multiple sources such as behavioural data, etc. GFI can output a credit rating for an individual, a company, or both. GFI’s self-service dashboard feature enables lenders to easily manage customers, with facilities such as sending emails and posting SMS notifications to a customer directly from the dashboard.
e-KYC WITH AI ADVANTAGE
GFI e-KYC for user account verification comes with live face capture, facial verification and recognition, and AI-assisted and automated identity document authentication.
EASILY ACCESSIBLE
GFI was designed in accordance with recognised principles of good practice and meets internationally accepted standards. Each application is optimised for mobile phones, tablets and PCs, and is easily accessible whenever needed.
Reduce Non-Performing Loans
GFI is calibrated to the lender’s credit risk framework and business model. Its accuracy is continuously enhanced by its self-learning algorithm.
CLOUD-BASED, EASY, MANAGEMENT AND MONITORING FEATURES
GFI lives in the cloud and can be easily deployed. GFI offers multiple dashboards, accessible over the Internet, that make monitoring of progress easy.
Scientific and Reliable
GFI quantified behavioral data such as entrepreneurial potential, financial decision-making and compliance to accurately assess a borrower's ability and willingness to pay.
LANGUAGE AND LOCALISATION
GFI is available in Bahasa Malaysia, English and Mandarin, and is tailored to local culture, norms and values. Interface in other languages can be readily developed.