Optimize your credit risk strategy with our credit engine
Automate, customize, and scale your credit analysis with security and intelligence. Connect data from any source, tailor risk policies through a No-Code engine, and make decisions in seconds, with a frictionless user experience.
Rely on a robust credit engine that delivers credit limits better aligned with each customer’s financial reality.
Fast and secure approval
Cut response times from days to seconds with automated workflows fully compliant with the LGPD and Central Bank regulations.
Smart decisions powered by integrated data
Seamless integration with credit bureaus, Open Finance, SCR, negative media, protests, and more.
100% customizable and No-Code
Build and test credit modeling rules in just a few clicks. Run A/B tests, backtests, and maintain full control, without depending on technical teams.
Higher approval rates with security
Increase your credit conversion without compromising risk control. Leverage data intelligence and predictive models to identify good payers more accurately, reducing losses and expanding your market reach.
Reduce subjective analysis errors and prevent defaults
Reduce subjective analysis errors and prevent defaults
One platform. Multiple data sources. Greater decision power.
Automate your analysis with enriched data from Open Finance, SCR, and more
Access a wide range of registration, financial, and behavioral data in a single environment to make your credit origination safer and more efficient.
SCR (Credit Information System)
Gain access to the client’s financial history with institutions regulated by the Central Bank. QI Tech provides an enhanced and comprehensive view of each customer’s payment capacity and indebtedness level.
A complete identity validation stage using cutting-edge technology: facial recognition, document OCR, and Device Scan. The analysis engine determines whether the registration should be approved or not, according to your policy.
Once registration is approved, the credit decision engine evaluates the proposal based on customized rules, integrating multiple data sources in line with your credit policy.
The proposal is approved, rejected, or sent for manual review according to predefined criteria. The result is presented to the customer in just a few seconds.
With the proposal approved, you can complete the operation using our Lending as a Service (LaaS) solutions, digital formalization with QI Sign electronic signature, and more.
Complete credit analysis flow
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