We are building innovative data models to optimize both the supply and demand facets of the alternative financial services industry
We engage many areas of machine learning in this process including classification, regression, natural language processing, and associative rule mining
With the constantly changing regulatory environment, properly collecting, using, and storing data is more important than ever. MoneyLion employs stringent compliance policies that are the best in the industry.
Our modeling techniques are resulting in higher total approval rate, lower cost of credit to borrowers, and our increased repayment rate compared to the industry standard.
By identifying patterns in multi-level time-series variables we are able to interact historical consumer behavior with current indicators to better predict future behavior. This approach allows for a detailed 360-degree view of a customer that is flexible and continuously updating.
We are making sense of millions of lines of anonymized transactional data. Our models allow us to incorporate hundreds of signals about an individual consumer that result in a clear-cut credit score. Collaboration between MoneyLion IT and Management teams combines CS and industry specific expertise allowing for sophisticated data connection with intelligent results.
Our behavior-priming platform uses positive psychology to incentivize users to build good financial habits. These habits enable our users to graduate from expensive credit to affordable credit options upon proving their financial responsibility.Read More
Customer retention is an invaluable component for increasing profitability in the consumer finance space. Our robust models provide incredible insight, allowing us to continuously enhance customer retention initiatives and transform the consumer finance space.
Our data models are measuring interaction to enable easier and quicker access to existing lending capacity within communities, affinity groups, and personal networks.