Rent, phone bills, utilities paid on time—proof scattered across silos. Consolidated into AI profiles, the invisible became creditworthy.
A Canadian fintech serving credit-invisible borrowers: newcomers, young adults, and those rebuilding after financial setbacks, who pay rent and bills reliably but have no credit history the traditional financial system will recognize.
Traditional credit scoring ignores behavioral data that actually predicts repayment: rent payments, phone bills, utility records. Building...
“The traditional financial paths where you could pay for an education, come out with modest student debt that you repay in two to four years, and then get a car and a house are just not available to folks anymore.”
Digital banking platform for spending, saving, and credit building in Canada.
Cloud computing platform and on-demand infrastructure services.
KOHO's Credit scoring is part of this use case:
Related implementations across industries and use cases
Creditworthy but credit-invisible: millions of Colombians locked out. Graph ML mapped their behavior instead, making them legible to lending.
Privacy rules bottlenecked AI scaling. A secure internal platform now cuts AML investigation time by days and security resolution by 50%.
Watching your money, flagging issues, taking action—that was reserved for the wealthy. Rowan does it by text, no dashboard needed.
Creditworthy but credit-invisible: millions of Colombians locked out. Graph ML mapped their behavior instead, making them legible to lending.
Treasurers scrambled off-hours to manually calculate cash flow. Now, AI continuously monitors risks and offers to move funds directly.
Engineers capped at basic chat, complex work out of reach. Now 700 tackle cross-jurisdiction compliance reviews in hours, not weeks.
Treated as a plug-in, not a platform. Now 370+ scenarios handle 10M+ daily AI calls — and new models ship in a day, not two weeks.
Accountants manually scoured mailboxes to assemble 15 subsidiary workbooks. Now, staff-built AI agents pull invoice data for instant review.
Bond selection took days of manual review. Custom AI agents now surface risks, empowering analysts to execute trades in hours.
Rent, phone bills, utilities paid on time—proof scattered across silos. Consolidated into AI profiles, the invisible became creditworthy.
A Canadian fintech serving credit-invisible borrowers: newcomers, young adults, and those rebuilding after financial setbacks, who pay rent and bills reliably but have no credit history the traditional financial system will recognize.
Traditional credit scoring ignores behavioral data that actually predicts repayment: rent payments, phone bills, utility records. Building...
“The traditional financial paths where you could pay for an education, come out with modest student debt that you repay in two to four years, and then get a car and a house are just not available to folks anymore.”
Digital banking platform for spending, saving, and credit building in Canada.
Cloud computing platform and on-demand infrastructure services.
KOHO's Credit scoring is part of this use case:
Related implementations across industries and use cases
Creditworthy but credit-invisible: millions of Colombians locked out. Graph ML mapped their behavior instead, making them legible to lending.
Privacy rules bottlenecked AI scaling. A secure internal platform now cuts AML investigation time by days and security resolution by 50%.
Watching your money, flagging issues, taking action—that was reserved for the wealthy. Rowan does it by text, no dashboard needed.
Creditworthy but credit-invisible: millions of Colombians locked out. Graph ML mapped their behavior instead, making them legible to lending.
Treasurers scrambled off-hours to manually calculate cash flow. Now, AI continuously monitors risks and offers to move funds directly.
Engineers capped at basic chat, complex work out of reach. Now 700 tackle cross-jurisdiction compliance reviews in hours, not weeks.
Treated as a plug-in, not a platform. Now 370+ scenarios handle 10M+ daily AI calls — and new models ship in a day, not two weeks.
Accountants manually scoured mailboxes to assemble 15 subsidiary workbooks. Now, staff-built AI agents pull invoice data for instant review.
Bond selection took days of manual review. Custom AI agents now surface risks, empowering analysts to execute trades in hours.