Discover Our JOURNEY
2017
Founded
The most important milestone in the company’s history.2018
Pilot Project
Monetization strategy with the release of premium services2019
Going Commercial
Commercialised General Financial Insights2020
Partnerships with Brands
Partnerships with several prominent companies.
Solutions
SME
Increase portfolio yield by approving prospects who have thin files using psychometric, AI-based, alternative credit scoring
MICROFINANCE
Leverage AI-based, alternative credit data to achieve more comprehensive risk profiling
PEER-TO-PEER (P2P)
Ride the P2P lending wave using informative AI solutions for comprehensive portfolio monitoring
RETAIL CONSUMERS
Credit scoring of consumer applications can easily be applied using GFI risk assessment. While GFI depicts a consumer’s creditworthiness, it also helps consumers to make better financial decisions over time.
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INSURANCE
Apply GFI credit-based insurance score to determine an insurer’s premium and minimises insurance claim frauds.
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LEASING
Ride the leasing wave using alternative credit solutions for unbiased leasing profiles.
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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.
Reduce Non-Performing Loans
GFI has high predictive accuracy. 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. The system is fully managed and is updated on a regular basis to keep pace with technological advances. GFI offers multiple dashboards, accessible over the Internet, that make monitoring of progress easy. Lenders can access the system anywhere, at any time, using desktop, laptop or mobile devices. Our experienced team will provide full training and support.
ADVANCED ANALYTICS AND REPORTING
A GFI credit rating is calculated using analysis of multiple sources. Among them are behavioural data, smartphone metadata and mobile data. GFI embeds top-notch security features to protect and secure customer data.
It also provides analytics of data collected from mobile carriers for prediction. GFI can output a credit rating for an individual, a company, or both.
With customised dashboards that deliver intuitive insights and comprehensive reporting, the GFI analytics system can be integrated into a lender’s business processes. Results are presented in an easily understood format, with readable explanations of their significance. Lenders can see standard predictions as well as month-to-month predictions.
Data for all customers can be accessed through one single interface for quick, insightful decision-making. 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.
Scientific and Reliable
GFI quantifies psychometric measures of entrepreneurial potential, financial decision-making and compliance to accurately assess a borrower’s ability and willingness to pay. GFI conforms to International and Malaysian psychometric ISO standards.
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.
OPEN UP NEW MARKETS
Lenders can confidently lend to entrepreneurs who do not have a verifiable credit history. Other products that can benefit from GFI’s risk assessment include consumer credit, insurance, leasing, cash transfers and student loans.
GFI DELIVERS IMPACT
Financial Inclusion
GFI enables lenders to offer appropriately priced credit to entrepreneurs and consumers without requiring a recorded financial history. Micro entrepreneurs, rural producers, women and youth will benefit the most. By integrating GFI into their lending processes, lenders can institutionalise inclusiveness.
Enterprise development
GFI places the entrepreneur at the centre. The business owner is the sole source of data. GFI Entrepreneurial report enables self-development and the delivery of tailored training by service providers.
Responsible Lending
By providing a quick and accurate measure of the ability and willingness of prospective borrowers to repay a loan, GFI can support responsible lending practices and improve the financial health of consumers.
Five variants of the GFI application are available:
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
A GFI risk assessment 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.
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.
Insurance
GFI credit-based insurance scores can be used to determine an insurer’s premium and minimize insurance claim frauds. It can also be used by an insurance company in the underwriting process and in the rating of customers.
Leasing
The GFI credit score for leasing provides the best possible basis for deciding whether to offer a lease, using unbiased judgements of human characteristics and predictions of human behaviour.
It comes with different tiers of credit that are considered when deciding whether a user qualifies for a lease.
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.
Reduce Non-Performing Loans
GFI has high predictive accuracy. GFI is calibrated to the lender’s credit risk framework and business model. Its accuracy is continuously enhanced by its self-learning algorithm.
ADVANCED ANALYTICS AND REPORTING
A GFI credit rating is calculated using analysis of multiple sources such as behavioural data, smartphone metadata and mobile data.
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.
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.
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.
Scientific and Reliable
GFI quantifies behavioral data such as entrepreneurial potential, financial decision-making such as and compliance to accurately assess a borrower’s ability and willingness to pay.
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.
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.