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THE WORLD OF AI POWERED LENDING

Heuristically Programmed Algorithmic Output (HALO) has helped financial institutions to vastly improve their lead identification and automate the underwriting process. It has consistently delivered higher accuracy in discriminating between good and bad applications, thus helping organization to quickly find and fund more creditworthy borrowers.

HALO is driven by the Generative Adversarial Network class of machine learning algorithms.
In other words, it uses statistical data to derive deep, accurate and practical insights.
Really fast!

DRAWBACKS OF TRADITIONAL UNDERWRITING

Why do we need to relook at traditional underwriting anyway? Well, they are saddled with a few major issues that negatively affect the end results of the process.

Traditional underwriting decisions are based on limited data points such as payment history, debt/credit ratios, credit length and so on. Limited data leads to sub-optimal decision making.

Manual processes tend to induce biases in underwriting decisions that ultimately impact market share. The result is more time, higher costs and lower accuracy.

Typical rating systems (such as FICO, CIBL etc.) tend to leave out large segments of the potential market due to the limitations of scoring methodologies. Thus, a significant number of prospective customers are generally under-served or totally un-served.

HALO promises to be a game-changer for the underwriting process.

0%
Increase in creditworthy borrowers
0%
Reduction in losses
0%
Improvement in overall underwriting efficiency

WHY HALO DELIVERS BETTER RESULTS

HALO uses a machine-learning-based scoring model, which helps eliminate bad leads and approve good leads, by analyzing past data. Thus it helps lenders fund more of the right merchants and less of the wrong ones! It performs powerful Big Data analyses of credit reports, bank statements, and other relevant data to build a scorecard — that self-trains and improves itself continuously!

HOW HALO WORKS — FOR YOU!

HALO adopts a 3-step process to work for you:

HOW HALO WORKS — FOR YOU!

HALO adopts a 3-step process to work for you:

GET THE HALO ADVANTAGE!

HALO offers multiple advantages over other systems:

Expand your market share, reach more customers faster, minimize errors, and cut your expenses.
Find out how HALO can transform your underwriting process!

TESTIMONIALS

At its core, Zuci’s underwriting solution HALO (Heuristically programmed Algorithmic Output) helps us in two areas -eliminating bad loan applicants, and identifying good loan candidates.

The HALO solution is set up to learn on its own, without the need for manual adjustment to the rules. Zuci’s team built this model based on lead, applicant and consumer historical data with the ability to self-train and re-train itself based on any updated data received by the system.

As Zuci explained, this system uses a Generative Adversarial Network, a class of machine learning systems that has helped significantly improve lead rejection accuracy and lead selection accuracy within 6 months of implementation. We are confident that HALO will continue to provide us with significant improvements over time.

James C. Jacobson
President at First Financial Service Center

HALO’s milestone-based pricing model translates into a 40% cost advantage as compared to competitors.
Find out how HALO can help your organization improve efficiency!