GiniMachine

GiniMachine builds, validates and deploys predictive models from historical data without coding, mainly for credit and collection decisions. Banks, lenders, telecom firms and auto dealers use it to score applicants, prioritize debtors and forecast churn.

You upload past records and the platform trains a scoring model in minutes, then shows which factors drive each prediction. Credit scoring models aim to help lenders approve thin-file borrowers, while collection scoring ranks debtors by how likely they are to pay and suggests calls, messages or other channels.

It is sold as SaaS with a free trial, and the company also offers data preparation, data provision and a free audit of a credit department for bias and human error. Separate products named GCredit and GCollection target lending and collections teams.