N.E.O.S

Unlock the power of open banking for deeper credit insights

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New Evaluation Open Suite (N.E.O.S.) by CRIF

Transforming Credit Assessments and Financial Innovation

N.E.O.S. is an advanced API-based SaaS solution designed to revolutionize financial evaluation. By seamlessly integrating with payment accounts, it accelerates creditworthiness assessments for both individuals and businesses. With its powerful categorization engine and advanced analytics, N.E.O.S. delivers actionable insights into financial behaviour, empowering lenders, insurers and FinTech companies to innovate and excel.

What N.E.O.S. Offers

Streamlined Creditworthiness Assessment

Automatically categorize customer transactions and profile spending behaviours.

Precision Insight

Identify financial opportunities and risks with unparalleled accuracy.

Regulatory Confidence

Navigate complex compliance requirements with ease.

Benefits

For Lenders

  • Deep Financial Insights: Analyse borrowers' transaction histories for precise credit evaluations.
  • Personalized Lending Solutions: Offer tailored credit products that meet individual financial needs.

For Insurers

  • Tailored Insurance Products: Use granular financial data to design custom policies and dynamic pricing models.
  • Enhanced Risk Profiling: Understand financial behaviours to refine underwriting processes.

For FinTech Companies

  • Drive Innovation: Access enriched datasets to develop next-gen financial products.
  • Efficient Integration: Leverage shared financial data to create seamless user experiences.

Key Performance Indicators (KPIs)

N.E.O.S. delivers a comprehensive suite of KPIs to support credit risk evaluation, early warning signals and marketing strategies.

Credit Risk KPIs

Savings Ratio

Measures income saved, signalling financial prudence.

Recurring Income

Tracks regular income for consistency.

Gambling

Flags risky behaviours that may impact creditworthiness.

Indebtedness

Evaluates total debt to assess repayment capacity.

Early Warning KPIs

Overdraft

Detects overdrawing behaviours as a sign of financial distress.

Cash Runway

Measures how long current cash reserves can sustain spending.

Risk Score

Offers a holistic creditworthiness assessment.

Collection Notifications

Highlights potential debt recovery challenges.

Gambling

Serves as an early indicator of financial instability.

Marketing KPIs

Child Expenses

Insights for family-oriented products and services.

Digital Expenses

Tracks digital spending for technology-driven marketing.

Investment & Trading

Indicates financial acumen and product interests.

Social Life Expenses

Guides lifestyle-based marketing strategies.

Sport & Traveling

Reflects hobbies and preferences for tailored campaigns.

Why N.E.O.S. is a Game-Changer

Advanced Categorization Engine

Accurately classifies each transaction for deeper insights.

Holistic Risk Assessment

Combines credit risk, behavioural trends and early warnings.

Comprehensive View

Uncover opportunities across risk, cash flow and marketing.

Customer-Centric Focus

Enables tailored solutions for diverse financial needs.

Lead with Precision and Trust

Whether you’re focused on smarter lending, better underwriting, or creating innovative financial products, N.E.O.S. empowers institutions to lead with confidence.

Contact us

Consent

We hereby inform you that CRIF shall collect and process your personal data, also through automated means, for purpose of sending advertising, commercial and information material related to CRIF or to affiliated companies. Your personal data shall be processed fairly and with the maximum confidentiality and may be communicated to members of CRIF Group for the same purpose stated here-above. I hereby consent that my personal data are processed and communicated for the purpose and within the terms stated in the informative note here-above.

 

 

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