Unlock the Future of Finance with AI & ML

In today's fast-paced financial world, staying ahead requires more than just traditional strategies; it demands the integration of cutting-edge Artificial Intelligence and Machine Learning technologies. At Phenx, we specialize in transforming complex financial challenges into opportunities for growth and innovation. Discover how our bespoke AI and ML services can propel your business into the future.

Our services

Custom Risk Models

Transform your creditworthiness evaluation methods. We specialize in creating bespoke models for each company, utilizing their unique data sets. Our approach extends past the standard credit bureau metrics by incorporating application specifics and a diverse range of non-traditional data. This allows for a more detailed and precise credit scoring system tailored specifically to your needs.

Deal Optimization Models

Unlock the full potential of your offerings with our Deal Optimization Models. These advanced AI solutions are engineered to not only minimize risk but also maximize the likelihood of conversion.

Loss Forecasting

Enhance your financial risk management with our advanced AI solutions. Our system is expertly designed to accurately forecast potential losses, enabling a more efficient allocation of resources and significantly reducing operational delays, thereby enhancing overall performance and customer satisfaction.

Fraud Detection

Stay ahead of fraudulent activities with our dynamic fraud detection systems. By analyzing patterns and anomalies in large datasets, our solutions can proactively identify and alert you to potential frauds.

PD/LGD/EAD Models

Strengthen your credit risk management with our PD/LGD/EAD models. Designed to accurately predict Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD), these models support better lending decisions and compliance.

“This is an AI company you want to work with”

CRO at One of the Leading Lenders in the Pre-Owned Automobile Sector.

Advancing Beyond Traditional Data

Our approach to data utilization sets us apart in the industry. We excel at constructing models that transcend the limitations of traditional bureau data feeds. By incorporating and thoroughly analyzing both application variables and a diverse array of non-traditional data points, our models offer a richer, more comprehensive analytical depth. This innovative approach not only broadens the scope of our analysis but also uncovers valuable insights that conventional methods may miss.

Transparency and Trust

In an industry where trust is paramount, we prioritize transparency. Our Explainable AI approach ensures that every decision made by our systems is understandable and justifiable, fostering trust and compliance.

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Practical AI

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