nQube provides bespoke, explainable AI systems for loan scoring, credit ratings, and other financial applications. All models are built in-house using advanced optimization and data modeling methods developed through more than 30 years of combined research and applied experience.
Each system is designed to learn from internal customer data, producing tailored ratings, collection prioritizations, and other quantitative measures that improve risk assessment, compliance, and decision accuracy within financial institutions.

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Limits of Traditional Ratings

• Generic scoring models miss customer, regional, and behavioural nuances.

• Exclusive reliance on external data omits key internal insights.

• Lack of explainability undermines compliance and confidence.

• Results in missed opportunities and under-leveraged data assets.

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nQube’s Bespoke Explainable AI for Loan Scoring and Ratings​

Learns from internal customer data to:

• Create custom internal ratings, or

• Fine-tune standard ratings using internal client data for improved precision.

• Scores debt defaults to maximize return on collections.

• Includes an associated debt collection model and tools for collection account prioritization.

• Supports bespoke loyalty and customer engagement ratings for enhanced retention and portfolio analysis.

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Other nQube Fintech Products and Services

Treasury & Liquidity Analytics

• Forecasting, credit-loss modeling, and liquidity stress testing.

• Improves capital efficiency, compliance, and operational speed.

Segmentation & Behavioural Modeling

• Proprietary AI identifies hidden patterns in customer and product behavior.

• Enables precision targeting, marketing optimization, and strategic decision-making.

Location Optimization

• Data-driven spatial modeling for branch, site, and network performance.

• Supports expansion planning, efficiency improvement, and market risk analysis.

Bespoke AI Development

• Custom explainable AI engines for scoring, forecasting, and optimization.

• Implemented in banking, treasury, logistics, and enterprise operations.

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Fintech Team
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