BAI Featured Innovation

How to increase lending without adding risk


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Banks and other lenders face competitive pressure to increase revenue by expanding their loan portfolios. But banks cannot afford increased lending to compromise the robust risk management practices needed to ensure long-term financial stability.

Most untapped lending markets, however, lack the credit history needed to analyze risk using traditional metrics like FICO scores. Fortunately, AI-powered enterprise software is opening up new capabilities that enable lenders to enter new markets, reduce non-performance across the full loan lifecycle, and more.

In this guide, Capton explores three ways lenders can “thread the needle” by making more loans without adding risk, as well as:

  • How banks can utilize enhanced credit scoring to speed up loan decisions
  • How NPL prediction models provide an early warning system for banks
  • How to leverage predictive analytics to generate personalized customer sales recommendations