Loan Origination and Monitoring: New Approaches and Future Developments

The outbreak of the COVID-19 pandemic represented a revolution for Credit Institutions and Banks all over the World, hitting a market that had already tried to recover from years of limited development. In this context, tough competition for traditional banks emerged, carried out by other players using innovative methodologies and technologies.

Therefore, traditional Banks need to completely re-think their credit processes by enhancing the Innovation of approaches for supporting credit decision strategies.

As an innovation-oriented Company, Reply is focused on the development of Machine Learning techniques that can be applied in the calculation of risk and business indicators and the identification of the highest levels of predictivity for the Loan origination and monitoring phases; the goal is to reach out to the Regulators’ expectations focused on the use of new approaches and of key indicators for credit origination and monitoring.