IceKredit has the most cutting-edge machine learning algorithms in Silicon Valley. Our company explores and pursues constantly the application of machine learning and deep learning in financial technology field. At present, our technological reserves in term of machine learning (refers the codes of core algorithms developed independently by our modeling team) includes:
IceKredit is an independent credit evaluation institution for small & micro enterprises and individuals, which does not directly participate in lending and is not affiliated with or attached to any financial institutions. So there is no conflict of interest with our financial clients.
With millions of real first-party credit data from hundreds of cooperative agencies and dozens of third-party data sources such as Unionpay, AIC, courts, tax administration and communication, IceKredit provides the most comprehensive data sources and data integration service for clients.
Based on real credit data, IceKredit uses exclusive core machine learning algorithms to develop models. The accuracy of IceKredit’s credit evaluation models for small & micro enterprises and individuals has reached the same level of American similar companies’ models based on their years of accumulation and optimization.
After receiving the credit evaluation applications of small & micro enterprises or individuals delivered by financial institutions, IceKredi’s risk control platform can provide evaluation results only in a few minutes, which sharply shortens the evaluating time and improves the evaluating efficiency.
Combining multidimensional data source, accurate credit models and strong business intelligence strategy system, IceKredit creates the petty loan- specialized credit reports for enterprises or individuals, which helps clients reduce bad rate effectively and simultaneously improve approval rate, as well as transfers clients’ data into tangible business value.
IceKredit provides customized risk management and other related services for four major types of customers: banks, P2Ps, micro-lending companies and consumer finance companies. IceKredit not only customizes models for different types of customers, but also sub-divide these models into customized sub-models based on specific business procedures and application scenarios so that each customer will receive the best one-stop risk management solutions.