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Income onboards AI credit decision making software

Estonian peer-to-peer lender Income has partnered with Finnish fintech ResultElf to build in its AI software for making credit decisions.

The new technology enables Income’s fintech loan partners to optimize their credit creation, allowing them to extend credit to the best candidates faster.

“We are delighted to partner with ResultElf,” said Kimmo Rytkönen, CEO of Income.

Read more: UK P2P sector more than doubles in size as new ‘big three’ emerge

“Their data science capabilities will benefit our fintech lending partners, enabling them to extend credit and drive financial inclusion more efficiently in their selected markets.

“Revenues are well positioned at the center of fintech lending and we will continue to leverage this position through special partnerships like this one.”

The implementation tool of ResultElf’s AI decision model is called the Elf Engine. It uses machine learning to predict decision-making patterns in real time.

Read more: Estonia’s income focuses on €400,000 from crowdfunding campaign

Jukka Suuronen, co-founder and chief executive of ResultElf, added: “ResultElf Team is delighted to sign the partnership agreement with Income.

“ResultElf focuses on helping the financial sector optimize its decisions to increase efficiency and how to allocate its capital to the right clients. We partner with fintechs in their profitable and sustainable growth journey.

“We see a win-win-win partnership between Income, ResultElf, fintechs and their end customers.”

Read more: Income approaches crowdfunding target just days after launch

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