Artificial Intelligence technologies are changing every aspect of financial and investment decision making. Since they have proven a significant improvement of the analysis’ accuracy, the demand of tools for the automation and digitalization of the analysis procedures – from data input, to processing and monitoring results – has therefore constantly increased.
oplon is the new predictive solution – developed for financial institutions, investments funds, corporates and Fintech companies – which provides tools and skills of a Rating Agency to a modular and web-based platform for the assessment of the counterparty insolvency risk and the management of the exposure portfolio. modefinance’s financial background and numerical engineering expertise, which have led it to be the first European Fintech Credit Rating Agency, are now conveyed in a transparent and innovative solution; BigData and Machine Learning technologies, also core of modefinance’s MORE Methodology, are employed to generate automatically predictive analysis’ models able to forecast accurate exposure scenarios and to offer an intuitive an immediate understanding of risky situations.
oplon features all risk management and assessment tools – like ratings, sensitivity and cashflow analysis, Probability of Default (PD), Expected Loss (EL), Loss Given Default (LGD), debt capacity, etc. – and integrates public data and information provided by external sources to the private ones provided by the company itself.
In an increasingly digitalized and connected world, modefinance doesn’t overlook the importance of providing a modular tool that can be available everywhere and at any time: oplon’s web-based framework is optimized both for desktop and mobile devices and is fully customizable on users’ need.
oplon Risk Platform is already employed by investment banks, industrial holding companies and financial institutionIt has proven to be able to reduce the decision-making times by more than 60% and the evaluation procedures costs of the 23%.
modefinance is an international Credit Rating Agency registered by European Securities and Markets Authority (ESMA). Founded in 2009 as a spin-off from Trieste University. modefinance is the first fintech company to operate as a ratings agency in Europe, and also the only Italian one, and one of the few in the world to be authorised by ESMA (in October 2016) to issue ratings on the world banking system. Using the proprietary MORE methodology (Multi Objective Rating Evaluation),modefinance can provide ratings for over 250 million companies in over 200 countries throughout the world.